Life Changing Wealth, By James D Baldwin

The $400,000 Mortgage Mistake Most People Make

Pay off your mortgage or invest? A wealth building framework that gives you more options.

Feb 15 • James Baldwin

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What To Do About Sky-High Stock Prices in 2026

I wrote about elevated stock valuations a year ago, and this is a data-driven update based on where the market stands today.

Feb 4 • James Baldwin

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January 2026

Most Investors Made Money in 2025. Did You?

The quilt chart shows why chasing last year’s winner is one of the most expensive mistakes investors make.

Jan 25 • James Baldwin

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The easiest way to become a 401(k) millionaire.

The 401(k) raise tactic is the easiest way to be a multi-millionaire in retirement without cutting spending or changing your lifestyle.

Jan 14 • James Baldwin

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Reduce Stress with Your Financial Buffer

A story about why options matter more than optimization when life gets tense.

Jan 4 • James Baldwin

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December 2025

Most People Park Cash in the Wrong Place

Most people leave $1,000+ on the table by keeping cash at Chase, Wells, or BofA. Here's where to move it instead.

Dec 23, 2025 • James Baldwin

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Do a Backdoor Roth IRA the Right Way

How a Backdoor Roth actually works for high earners and how to avoid the one mistake that triggers taxes.

Dec 14, 2025 • James Baldwin

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The Best S&P 500 Fund for Long-Term Investors

How to pick the cheapest, cleanest, and most reliable S&P 500 ETF.

Dec 3, 2025 • James Baldwin

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November 2025

The Single Best Investment for Long-Term Wealth.

Build life-changing wealth with unbeatable consistency.

Nov 23, 2025 • James Baldwin

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How to save $10,000+ in investment taxes.

You might be letting your brokerage decide how much tax you pay.

Nov 9, 2025 • James Baldwin

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October 2025

The Longevity Revolution. We're not ready for how rich we will be.

You can live longer and get richer than you thought possible. You need to think differently about investing.

Oct 26, 2025 • James Baldwin

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It's Not Only Gold! How to Stagflation-Proof Your Portfolio

If prices run hot while growth cools, the usual ‘cash and bonds’ playbook can fail. Here’s a practical allocation you can implement today.

Oct 11, 2025 • James Baldwin

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