Your subscription
for their prescription.

My mom raised me alone from the time I was a baby. She didn't have money to her name. Thus, for parts of my childhood we were homeless, living in shelters, or in the homes of families whose houses she cleaned to keep us fed.

She worked two jobs. She saved every penny she could. We'd walk instead of taking the bus because a quarter saved was a quarter earned. Eventually Section 8 helped us into an apartment, and she kept working, kept saving, kept making sure I could focus on school while she handled everything else.

She did everything right.

Except one thing, and it wasn't her fault.

The lesson I wish she'd had

Every dollar my mom saved went into a CD at the bank. That's what she knew. That's what felt safe. And of course it was safe. But the sad thing is that it barely kept up with inflation, and over thirty years that quiet gap between being "safe" rather than being "invested" adds up to a number that would shock most people.

If my mom had known what I know now when it comes to investing, she'd be in a very different place financially today.

The problem was that she never got that lesson. Nobody ever sat her down and explained what investing is or how to do it. The financial world wasn't built for single mothers saving quarters. It was built for people who already had money. And that knowledge is locked away for people to discover it, rather than taught to you from the beginning in school.

That's the gap The Clinic is trying to close.

How I actually learned

I started through my workplace retirement plan. I had a choice of letting the brokerage's advisors manage my money for me, or do it myself. I didn't fully trust either option, so I split my money in half and let them manage one side while I managed the other. After a year, their half was down. Literally red on the year after investing in a few ETFs. That's when I decided that I could do this on my own because theses supposed advisors were worse than using a checking account for me!

From there it was self-taught. I had a investor friend who sat with me and walked through market strategies. I watched videos. Read everything I could. Tried so many different strategies, kept the ones that worked, dropped the ones that didn't. Made plenty of mistakes and learned from them. Over time I got better at cutting through the noise, tuning out what people were saying and focusing on what the market was actually doing, against the economic backdrop.

I don't have a CFA. I don't have a finance degree. I don't have a fancy Wall Street job. What I have is the discipline my mom modeled, thousands of hours of reading and trading, and a conviction that retail investors deserve research that is unfiltered and has no hidden agenda.

Where the money goes

Every dollar of membership profit from The Clinic, after platform fees and the real costs of running this thing, is donated to kids and schools in our community.

Why kids? Mostly it's because kids are innocent beings stuck in situations they had no choice in being. I remember what it was like to watch commercials for toys we couldn't afford. To not be able to join sports or martial arts or music because the fees were out of reach. An entire childhood limited by opportunities because of being poor.

This is nothing new for me as I've been helping kids as long as I can remember. In my early 20s I was a Big Brother, paired with a younger boy who I'd see regularly to talk about school, his career ideas, his hobbies. We'd play games, shoot hoops, and mostly just hang out so he had an adult in his corner who wasn't being paid to be there. I tutored middle and high schoolers through the school year and at summer programs on my college campus. I ran UNICEF fundraiser drives where we'd collect two cents at a time, enough for a vitamin A tablet that could stop a kid from going blind. There is just so much potential in kids out there being restricted by situations out of their control.

I was one of those kids. The Clinic is how I get to pay it back.

What you get

Research broken down into easy to digest bites. A community of serious retail investors who read before they trade. Direct access to me via Discord at the higher tiers.

What I don't offer: personalized advice, investment recommendations for your specific situation, or somebody who's going to manage your money for you. The Clinic is an educational publication. You make your own decisions. You make your own future.

See the tiers

One more thing

I'm blessed to still have my mom. I've used what I've learned to buy her a house and a car and make sure she's comfortable, even though she still tells me I'm wasting my money on her. She doesn't want to be fussed over because that's who she is.

I can't give her back the thirty plus years she didn't have this lesson in investing, and to give me that childhood of opportunities. However, I can make sure another mom's child gets a better shot. Backpacks, school supplies, field trip fees, whatever the community needs.

You pay for the research. They get the resources.

That's the deal.

Doc

The Clinic is an educational publication and does not provide investment advice. Nothing on this page or anywhere on this site should be construed as a recommendation to buy or sell any security. Please read the full Terms, Disclosures, and Risk Statement before subscribing.