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3 Quick and Unrelated Thoughts. 

Going to keep things even briefer this week and share 3 quick thoughts, and maybe somehow string them together (editor’s note: that latter attempt failed)

1. Tax deadline delayed. Details can be found on the IRS’s website, but for the 2nd year in a row some things are delayed, some aren’t. As of this writing, PA and some other states have also delayed the deadline. 

Delayed until May 17th, 2021 - tax filing deadline, payment for 2020 taxes, IRA/HSA 2020 contributions (most likely). 

NOT delayed - 1st quarter estimates for 2021 (still due April 15th, 2021)


2. Stimmy challenge. Millions of people are receiving a third round of stimulus payments or received them already. Some families definitely need the funds right now - and some don’t. If you fall into the latter category I have a challenge for you: do something crazy with it.

Take a deep look at your Values and do something that isn't normally within your budget. Give it away. Spend it on a one-time splurge you wouldn’t normally do (preferably an experience). Leave a ridiculously large tip or buy an absurdly high gift card for someone. Do something that abnormally fulfills your Values that you typically don't do.  

Do something that seems arguably irresponsible and a CERTIFIED FINANCIAL PLANNER
professional shouldn’t tell you to do.*

And if you choose to accept this challenge, report back to me your results. 

3. Firm update. Fident was recently audited by PA’s banking and securities department. Firms like mine are audited every couple years, and although I try my best to keep all the t’s crossed and i’s dotted from a compliance standpoint, I think the experience still shaved a few years off my life. I’m happy to report - however - that I am not composing this from jail. That said, they did find a few minor tweaks to make to my Form ADV, which I’ve now updated on the bottom of the website that you can access. 


*this is not actual advice - it's a challenge/suggestion.

Interesting Resources

Daily Doodle
Although I don't send them regularly, I still try and make a habit of creating a daily doodle in a little notebook of mine. They're oftentimes my attempt at visualizing a concept I've read or have thought about myself. If I were to update this one, I'd rephrase the second box to say "What my $ and time shows is important to me." It's a play off the age old phrase of looking at someone's checkbook and calendar to determine their values. 
The Boy Who Called Bubble
8 min read | of Dollars and Data 
A few months ago, often-called permabear Jeremy Grantham made a familiar sounding doomsday call for US stocks. However, this time he went as far as calling anyone who doesn't think he's right "intellectually undemanding." Hmm. Nick does a great job here diving deep into this call, and shows that - ironically - the call itself isn't all that bold. Great read. 
If anyone takes me up on that stimmy challenge - please respond back and let me know you're in, what you plan to do, and then let's connect later to hear your thoughts on the experiment. 

Gratefully,
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Phone: 717-208-2235
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Fident Financial, LLC (FFL) is a registered investment advisor offering services in the state of PA and in other jurisdictions where exempted.  Opinions expressed in this email are solely those of FFL, unless otherwise specifically cited.  Material presented is believed to be from reliable sources but no representations are made by FFL as to another parties' information accuracy or completeness.






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