Happy Holidays!

The TradeSmith offices are closed today in observance of Christmas, so this week’s message will be brief.

I just wanted to take a moment to say thank you for being a loyal Money Talks reader.

As I told you when we launched this letter nearly one year ago, in January 2021, I’m no financial guru or investment expert.

I’m just a regular, hard-working guy who’s made many mistakes over the years and learned a lot of financial lessons the hard way.

My promise in Money Talks was simply to share the best of what I’ve learned so that readers might be able to avoid making some of those same mistakes and reach their financial goals more easily.

I hope I delivered on that promise in at least some small way for you this year. And I hope you enjoyed reading these lessons as much as I enjoyed writing them for you.

I’ll be back with a special, year-end edition of Money Talks next week.

In the meantime, as we begin to look forward to 2022, I would love to get your feedback on our first year together.

What did you love? What could I do better? Are there any specific topics you’d like me to cover? How can I make Money Talks even more useful for you going forward?

As always, you can reach me directly at [email protected]. I can’t respond to every email, but I personally read them all.