Brian J Coule

06/01/2026

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The CEO of BlackRock, Larry Fink, says the funding needed for data center expansion will come from American’s “savings accounts and pensions accounts. If we can get more and more Americans to think about growing with the United States, we will have far [more] than enough money to invest in this"

The billionaire expects the United States to spend $10 trillion on the data center economy over the next 10 years.
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Reach out if you have questions or concerns about how this will affect you and your investments.

06/01/2026

If you’re concerned, have questions, or want perspective, reach out to discuss.

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Financial experts sounded the alarm Monday over what some have described as a financial “coup” being carried out by Elon Musk, Tesla’s CEO and fierce ally to President Donald Trump, one that could see tens of millions of Americans unknowingly prop up his unprofitable company SpaceX through their retirement accounts.

“The richest guy on the planet is about to rob your 401K,” warned content creator Zack Nelson, writing in a social media post Sunday on X to his nearly 1 million followers.

In a move that one of the United States’ largest unions warned “defies financial logic,” private index providers – the companies that decide what stocks go into major market indexes – have fast tracked SpaceX to be added to indexes like the S&P 500 and the Nasdaq-100, indexes that millions of Americans buy into via their retirement accounts.
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Financial experts sounded the alarm Monday over what some have described as a financial “coup” being carried out by Elon Musk, Tesla’s CEO and fierce ally to President Donald Trump, one that could see tens of millions of Americans unknowingly prop up his unprofitable company SpaceX through the...

03/16/2026

The 10-Year Treasury just hit 4.14% — here's why that matters for your money right now.

Two weeks ago it was sitting at 3.96%. That's an 18 basis point jump in 10 trading days. Doesn't sound like much, right?

Here's what most people miss: the 10-year Treasury is the benchmark that moves almost everything in your financial life. Mortgage rates. Auto loans. Corporate bonds. Even the interest your bank pays you on savings. When it moves, the ripple effects hit everyone — whether you're paying attention or not.

So what does 4.14% actually mean for you?

If you have cash sitting on the sidelines — CDs, money markets, and treasuries are all repricing higher. The banks won't tell you this, but the gap between what they're paying you and what's actually available in the market right now is probably the widest it's been all year. If you're still earning 0.5% on a savings account while treasuries pay 4.14%, you're leaving real money on the table every single month.

If you're thinking about a mortgage or refinance — the window is getting more expensive, not less. 30-year rates track the 10-year closely, and they've already started climbing. If you've been sitting on a refi decision, every week of delay is costing you.

If you own bonds or bond funds — rising yields mean falling prices on existing bonds. If you haven't looked at your portfolio's duration in a while, now's the time. There are strategies to reposition without taking a huge hit, but timing matters.

If you're within 10 years of retirement — this is actually good news if you play it right. Higher rates mean better pricing on annuities, better yields on conservative income portfolios, and new opportunities to build a guaranteed income floor. The math on retirement income planning just got more favorable.

If you're a business owner — your line of credit just got more expensive. But your company's cash reserves can now earn more. It cuts both ways, and the difference between coasting and optimizing could be tens of thousands of dollars a year.

The bottom line: rates are moving. Your money should be moving with them — not sitting still.

Most people won't read this. They'll keep earning 0.5% at their bank, keep putting off the refi, keep ignoring their bond allocation. Don't be most people.

If any of this hit home, shoot me a DM or drop a comment below. I do this every day — help people make sure their money is actually working as hard as they are. No pitch, no pressure. Just a conversation about whether you're positioned right for what's happening in rates right now.

03/15/2026

I wish someone had told me this when I was starting out: the gap between people who build wealth and people who don't almost never comes down to income. It comes down to four habits.

First — know exactly what your life costs. Not a rough idea. The real number. If you don't know where to start, use the 50/30/20 rule: 50% of your income covers needs like rent and groceries, 30% goes toward things you want, and 20% goes straight to savings and paying down debt. It's simple, it's flexible, and it gives you a framework you can actually stick to. Once you see your money laid out this way, every financial decision gets clearer.

Second — invest something every single month, but pay attention to where you're putting it. A 401(k) grows tax-deferred but locks your money up until retirement. A Roth IRA lets you pull contributions out without penalty. A brokerage account gives you full flexibility but no tax shelter. These differences matter — a lot. The right mix can save you a fortune in taxes over time. Don't just invest. Invest with a strategy for how and when you'll actually use the money.

Third — stop relying on one paycheck, and start learning the tax code. The average millionaire has three or more income streams. But the part nobody talks about? The IRS has legal loopholes — deductions, credits, incentives — that can dramatically reduce what you owe. And many of them are temporary. They expire. If you're not staying current on what's available to you right now, you're overpaying. This is where working with a sharp CPA or tax strategist pays for itself ten times over.

Fourth — make your money work for you, even when you borrow. Most people think debt is the enemy. Consumer debt? Absolutely — kill it fast. But successful people think differently about borrowing. They take out low-interest loans while keeping their investments growing at higher returns. They don't liquidate a portfolio to make a purchase — they leverage what they've built and let compounding keep running. The goal isn't zero debt. The goal is making sure every dollar, even a borrowed one, is earning more than it costs.

Send this to someone who needs to hear it.