The Hidden Factors that Shape Your Retirement Decades Before It Begins

Published on April 20, 2026

Choosing when to invest is one of the most important factors influencing your retirement security. The best time to start building retirement savings is after your first paycheck. Starting that early allows you to maximize how much time you have to save and how much time those dollars have to grow, thanks to compounding interest.

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Margin Debt Down 2.6% in March, Second Straight Decline

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Will Private Credit Cause the Next GFC?

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Given the misunderstanding linking subprime mortgages and private credit, I discuss how leverage and derivatives, layered atop subprime mortgages, were at the heart of the GFC. A better understanding of that event will help advisors and investors better assess whether recent woes in private credit are an omen of another crisis or an overstated concern.