Posts by Nicholas Hoffman and Company

My daughter competed in a USA Gymnastics state meet this weekend. The girls were judged on many elements. It caused me to ponder a possible analogy to the way people manage their money. A lot of folks approach money with trepidation. They feel like there is a right way to perform, which eliminates errors. Some…

Another college graduation period is almost upon us. I was recently asked by a client to talk to their soon-to-graduate son about how to get a job in an increasingly difficult labor market. I agreed. The client asked me what I was going to talk about. My response was simple: I will advise him to…

Early 2026 has proven to be a season of upheaval.  In technology boardrooms, technology stock prices, and even on the ice in Milan, we are seeing signs of disruption. Four stories, seemingly unrelated, together paint a picture of a world in the middle of a fundamental reset. The catalyst for much of the economic turbulence was…

As a family of four, our oven has increasingly become one of our most used appliances. Between the nearly endless supply of chicken that 4- and 6-year-olds somehow are able to consume, birthday cakes, and daily meals, it gets plenty of use. Just like any well-used item, sometimes it needs cleaning. It must have been…

An old friend used to say, “Write something worth reading. And if you can’t do that, go do something worth writing about.” It sounds easy enough, but it is hard in practice. I was in the salt marshes along the Ogeechee River at Savage Island this past weekend for a Georgia Conservancy event. There were…

The investment approach of passive index investing began inauspiciously. In 1975 Jack Bogle, founder of The Vanguard Group, launched the first index fund available to retail investors. He hoped to raise $150 million but only managed to gather $11 million. His effort was broadly derided as “Bogle’s Folly.” Ned Johnson, son of the founder of…

I made a statement recently that raised a few eyebrows: within ten years, my family will have a drone taxi landing in our front yard, ready to take us to our home in the North Georgia mountains. That may sound fanciful. But if you watch the latest video from EHANG (https://www.youtube.com/watch?v=XBCq6JGKqUg), you will see that…

Something has shifted in the world of financial fraud. The FBI reported $16.6 billion in internet crime losses last year, a 33% increase from 2024. But the more troubling statistic is this: the number of fraud reports stayed flat. Scams are not becoming more common; they’re becoming more effective. According to FTC data, 38% of…

Prices for gold and silver have skyrocketed over the past year. Gold prices have increased nearly 90%, and silver prices have increased by over 200%. There are several dynamics driving this meteoric price growth, including global central banks purchasing gold at record high levels, macroeconomic forces such as the weakening of the U.S. dollar, and…

Last week, I came home after a long day, started a load of laundry before dinner, and promptly forgot about it. The next morning, I opened the washer to find damp clothes clumped together, smelling faintly ‘off.’ It was not catastrophic: nothing was ruined, but it was annoying. Moreover, it nagged at me until I…