Michael H. Baker

08/24/2026

Today, I had a debate with AI. A few observations:
- AI's argument is still somewhat generic and predictable (if you know the subject matter)
- AI continues to work on sounding more "human" while listening and responding
- I won. But...of course, this is by design. Most AI queries still affirm what you want to be true...even if it necessarily isn't.
Be careful using AI to feed your confirmation bias

08/21/2026

One of the big misconceptions about wealthy people and taxes is how taxes actually apply to different levels of income.... Most Americans live on W2 income, which is the worst type of income when it comes to taxes.

07/22/2026

Does money buy credibility?

What do you think?

06/22/2026

The WSJ reports that Q4 of 2032 as the date when the Old-Age and Survivors Trust Fund will run dry, reducing social security checks by more than a fifth.

06/19/2026

My next newsletter "How Do You Spend?" is coming today. Subscribe to get it and stay in the loop on everything I'm creating.

Investment advisory and financial planning services offered through Advisory Alpha, LLC, a SEC Registered Investment Advisor. Insurance, Consulting and Education services offered through Vertex Capital Advisors. Vertex Capital Advisors is a separate and unaffiliated entity from Advisory Alpha, LLC.

06/12/2026

You didn't ask.. I'm sharing anyway.

For the last couple of weeks, the SpaceX chatter has increased to a fever pitch. This IPO will be historic for multiple reasons.

06/04/2026

What if we face another 2008-style downturn? In my latest post I walk through realistic scenarios, what to watch for, and why long-term optimism still matters. Read the full piece and join the conversation: https://wix.to/CamE6qz

I'm a long-term optimist on America, despite our flaws. That doesn't mean that we can't or won't face some hard times in the future.

05/17/2026

05/08/2026

My next newsletter "How to Get Rich in American History" is coming tomorrow. Subscribe to get it and stay in the loop on everything I'm creating.

Investment advisory and financial planning services offered through Advisory Alpha, LLC, a SEC Registered Investment Advisor. Insurance, Consulting and Education services offered through Vertex Capital Advisors. Vertex Capital Advisors is a separate and unaffiliated entity from Advisory Alpha, LLC.