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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com To sign up for my free monthly Survive & Thrive letter, click here.

Recent Posts from YourSurvivalGuy.com

Time to Flee Stocks for Bonds? Your Frontier

How you invest in stocks and bonds, in other words, your asset allocation can mean more to your investment success than what you invest in. Let me explain. When you look at risk/reward as measured by my efficient frontier, you can see by the fish hook how having your eggs in one basket can mean […]

ESG Pushback Lands in Europe

You have watched as American politicians and business leaders have pushed back against the ESG movement to protect shareholder returns. Now, the movement to put shareholders ahead of politics has made it to Europe. Niall O’Shea and Hugh Wheelan report for Reuters: March 14 – Ignored, ridiculed, embraced, sanctified, attacked. If you’ve been living it […]

Hochul’s Exercise in “Security Theater”

Radical progressive politicians like NY Gov. Katyh Hochul have enabled criminals for years, and now that Americans are irate over the crime and homelessness in their streets, Hochul & Co. are desperately attempting to put the genie back in the bottle. But, at City Journal, Dorothy Moses Schulz explains that Hochul’s efforts are “security theater.” […]

“And I’ve Never Forgotten,” His Nephew Told Me

You never know when you’re going to pick up a nugget of wisdom. Wisdom that can last a lifetime. In a world loaded with information, wisdom is in short supply. Don’t confuse the two. Your Survival Guy was speaking with a client this week. He’s in his early sixties, and he’s ready to retire in […]

TUCKER EXPLAINS: Rand Paul and the Plan to Ban TikTok

In an interesting and educational segment, Tucker Carlson and Sen. Rand Paul discuss the plan to ban TikTok or force it to change ownership and the implications that could have on free speech in the future. Watch: The people who’ve handed our country to China are banning TikTok to protect you from China? Probably not. […]

Bernie Sanders Wants a Day Off

Sen. Bernie Sanders is attempting to pass a law that would shorten a full work week from five days (40 hours) to four (32 hours). Jennifer Liu reports for CNBC: The act would shorten the standard workweek over four years by mandating that overtime pay kicks in after 32 hours worked in a week, down […]

New Chinese Electromagnetic Surveillance Leaves “Nowhere to Hide” on Battlefield

Christopher McFadden of Interesting Engineering tells his readers that Chinese researchers have developed a new signal intelligence device that could rival or exceed those of the US. The device is AI-enabled and is said to be a “game-changer,” leaving adversaries “nowhere to hide on the battlefield.” He writes: Chinese scientists have allegedly developed a new […]

Your Retirement Life: Walk Like a Modern Day Warrior

Looking over your shoulder is no way to live. Wondering who’s behind you. Wondering if you’re safe. Feeling uncertain. Uncomfortable. It’s scary. Instead, walking with your head up, eyes forward, and shoulders back is the stride of the modern-day warrior. You never tire. You have the same confidence tomorrow as you do today. You’re comfortable […]

Another Inflation Surprise

You know Your Survival Guy is not in the prediction business. I don’t attempt to know the future but instead to prepare for it. But the market has no such limitations. Every month, new economic data are released, and the market reacts with glee or terror if the data are better or worse than expectations. […]

SPENDING TSUNAMI: Revenue Is Not the Problem

At Reason, Eric Boehm explains that Joe Biden’s budget makes even less sense considering the current economic environment of low unemployment and relatively decent growth. He writes: “The level of borrowing under the President’s budget would be unprecedented outside a war or national emergency,” notes the Committee for a Responsible Federal Budget, a nonprofit that advocates for […]

Your Retirement Life: Traveling the Efficient Frontier

Are you familiar with the efficient frontier? More on this in a minute. First, let’s talk about risk. One of the more helpful exercises in understanding your own risk tolerance is imagining how you will react if your stock portfolio declines by 30% or so. You can do a historical review of how you reacted […]

Haiti’s Chaos Is an Endorsement of the Second Amendment

You may have noticed in the news that Haiti is falling apart as a country at the moment, as feral gangs harass and destroy its institutions and people. While you’ll often hear in the media about how guns cause chaos, you know that, in fact, it’s unchecked evildoers who cause chaos. And you know that […]

SAVE TIL IT HURTS: Beware “Money Dysmorphia”

You may have read the stories of Your Survival Guy’s “Save Til It Hurts Hall of Famers,” Ronald Read, Geoffrey Holt, and Terry Kahn. These men put frugality and wealth building ahead of ostentatious spending and piled up millions of dollars. Now, CNBC’s Jessica Dickler reports on a syndrome that appears to be the opposite […]

They’ll Tell You Inflation is “Under Control”

When you hear that inflation is under control, all you need to do is sink your teeth into Your Survival Guy’s food inflation chart to get the real story. You and I know that government knows no limits when it comes to spending your money. It will create dollars out of thin air because it […]

Once Again, the Market Is Surprised by Price Inflation

For the second month in a row, inflation came in above the market’s estimates. Bloomberg’s Augusta Saraiva reports: Underlying US inflation topped forecasts for a second month in February as prices jumped for used cars, air travel and clothes, reinforcing the Federal Reserve’s cautious approach to cutting interest rates. The so-called core consumer price index, which […]