by G. Brian Davis | Last updated Feb 19, 2026 | Spark Blog |
The Short Version: Saving preserves capital. Investing grows it. Confusing the two can cost you decades of wealth-building potential. A savings account earning 4% while inflation runs at 3.5% means you’re barely treading water — and most years, you’re...
by G. Brian Davis | Last updated Feb 16, 2026 | Personal Finance, Spark Blog |
The Short Version: Depreciation is one of real estate’s biggest tax advantages but the IRS wants that money back when you sell. It’s called depreciation recapture, and it catches a lot of investors off guard. The depreciation recapture portion is taxed at...
by G. Brian Davis | Last updated Feb 13, 2026 | Personal Finance, Spark Blog |
The Short Version: The difference of approach between a seasoned investor vs a novice Why we’re psychologically wired to focus on upside and ignore risk. It’s why so many investors get burned by deals that looked great on paper. The 2008 crash and the 2022...
by G. Brian Davis | Last updated Feb 11, 2026 | Personal Finance, Spark Blog |
The Short Version: Most people don’t avoid passive real estate because of risk. They avoid it because they don’t want to feel uninformed. Confidence doesn’t come from knowing everything. It comes from understanding the key moving parts and following a clear process....
by G. Brian Davis | Last updated Feb 6, 2026 | Personal Finance, Spark Blog |
The Short Version: After years investing through crowdfunding platforms, I’ve shifted away due to high fees, limited liquidity, and better opportunities in direct real estate investments. Real estate crowdfunding promised passive income, but illiquidity,...
by G. Brian Davis | Last updated Feb 4, 2026 | Personal Finance, Spark Blog |
The Short Version: AI is already cutting entry-level and mid-level knowledge jobs. A Harvard study found a 22% reduction in entry-level postings at companies using AI. Some careers are more exposed than others. The jobs that survive require human judgment,...