Christine Benz @christine_benz Twitter profile | Pikagi

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Christine Benz

@christine_benz

32,111

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1,028

Following

548

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Director of personal finance and retirement planning for Morningstar + co-host of The Long View podcast. Serving up practical financial guidance for the people.

Chicago, IL

https://t.co/YFBjTMvCHs

Joined October 2009

Don't wanna be here? Send us removal request.

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@christine_benz

Christine Benz

@christine_benz

2 years

“I don't want to sell anything, buy anything, or process anything as a career. I don't want to sell anything bought or processed, or buy anything sold or processed, or process anything sold, bought, or processed, or repair anything sold, bought, or processed.”--Lloyd Dobler

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@christine_benz

Christine Benz

@christine_benz

5 years

I am delighted to add “roaching” to my vocabulary. 😂 And do follow @IvePetThatDog ; trust me on this one.

@IvePetThatDog

I’ve Pet That Dog

5 years

I pet Cocoa. She is a 6 year old Greyhound and a retired racer. Her racing name was DC Chocolatedrop. She was not good at racing, but she is good at roaching on the couch. Roaching is when Greyhounds lie on their backs with their legs up. Cocoa likes swimming and her honking pig.

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Christine Benz

@christine_benz

3 years

I’ve said it before but it bears repeating: One of the unsung advantages of being a long-term investor—perhaps better yet an index investor—is that you don’t have to waste a bit of mental energy trying to figure out what’s happening with the likes of GameStop or AMC.

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@christine_benz

Christine Benz

@christine_benz

6 months

The cat's out of the bag on this and I couldn't be more excited! 🥂✨🌟 Coming fall 2024, from @harrimanhouse and with thanks to the dream team of experts who are contributing insights.

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Christine Benz

@christine_benz

2 years

One cycle I wish we could break: The one where investors begin a mad search for noncorrelated/diversifying assets AFTER the markets tank, then capitulate and sell the diversifiers when their performance struggles and conventional assets start performing better. 🤦‍♀️

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Christine Benz

@christine_benz

2 years

Most common portfolio issue that I observe in real people's portfolios: Low-cost index funds augmented by mega-cap individual-stock holdings that completely duplicate the holdings in the index funds. Anyone else?

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Christine Benz

@christine_benz

5 years

A financial “advisor” knocked on the wrong door. Mine.

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Christine Benz

@christine_benz

4 years

I'll say it: Individual stocks are TERRIBLE investments for people just starting out. I know that many people learned about investing through their Disney shares yadda yadda but I think we need to be clearer about this when we discuss financial education.

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Christine Benz

@christine_benz

5 months

Taylor Larimore, one of the original @bogleheads , a war hero and veteran of the Battle of the Bulge, and an all-around prince of a man, celebrated his 100th birthday in Miami today. It was such an honor to celebrate him along with his family and friends. ❤️✨

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Christine Benz

@christine_benz

3 months

If your friend or loved one is working on a book, please don't ask "How's the book going?" or "Are you done with the book?" But when it's done, ask away! Coming September 17, available for pre-order now.

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Christine Benz

@christine_benz

2 years

I've focused on investments for nearly 30 years. And yet I just advised a friend that if a prospective financial advisor talks too much about investing and the markets and not enough about other aspects of her financial life, that's probably a bad sign. 🤷‍♀️

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@christine_benz

Christine Benz

@christine_benz

3 years

I'm a killjoy on the idea of young people dabbling in individual stocks for this reason: If a 19 y.o. loses the better part of the $200 he put in, there's a risk that he'll conclude that investing is a crapshoot and not come back for another decade. That's a big opportunity cost.

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Christine Benz

@christine_benz

3 years

Much of the $GME narrative is around the idea of the little guy "sticking it to the man." But please let's not forget that the late Jack Bogle created an entire SYSTEM for doing just that. It's called buying (and holding) index funds.

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Christine Benz

@christine_benz

3 years

Friend: My mom has a great financial advisor. Me: How do you know the advisor is great? Friend: Because her portfolio has performed well for a long time. Me: The market has performed well for a really long time. Friend: No, seriously, I think this guy is really good. Me: 🤦‍♀️

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Christine Benz

@christine_benz

2 years

Hey, have you hugged your value fund lately? From a cool compendium of charts by @LauricellaTom

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Christine Benz

@christine_benz

3 years

I wrote about the tyranny of what can be measured in investing (Sharpe ratios, alpha, etc.) and the value of incorporating what can't be.

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@christine_benz

Christine Benz

@christine_benz

3 years

A short, sweet Trader Joe’s story from this morning: My cashier commented on the flowers I was buying, and I told him I was bringing them to someone in the hospital. Cashier: “Do me a favor and pick out another bouquet for yourself on the way out.” ❤️💐❤️🌹❤️🌸❤️

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Christine Benz

@christine_benz

8 months

One of the things that seems to routinely shock my friends and family members is that I pay almost no attention to my own investment portfolio from day to day or even year to year--apart from contributing. They seem amazed that I could be so lazy and hands-off. Anyone else?

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Christine Benz

@christine_benz

4 years

I'm not saying a 60/40 portfolio is the be-all end all; one size can't possibly fit everyone. But any time I see people asserting that 60/40 is dead, it seems like a good reason to hang onto your wallet. Expensive merchandise and/or complicated strategies coming right up.

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@christine_benz

Christine Benz

@christine_benz

4 months

It's so depressing when I make a charitable contribution and watch the charity send it right back to me in the form of expensive mailers to my house. Charities should always provide donors with the option to select e-contact only.

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@christine_benz

Christine Benz

@christine_benz

3 years

The current inflation discussion is a perfect illustration of how many people make pronouncements about future economic events with a sense of absolute certainty, when in fact they're just kind of guessing. More humility, please.

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Christine Benz

@christine_benz

3 years

I’m casually watching some of the Sunday morning shows and it’s stunning how much the finserv advertisements focus on “trading.” It makes me want to scream. For the vast majority of people, investing successfully has nothing to do with trading acumen.

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Christine Benz

@christine_benz

11 months

I'm thrilled to announce that I'm FINALLY working on a book about the financial and nonfinancial aspects of retirement! @harrimanhouse will publish it in fall 2024. (Thank you, @brianportnoy for intro'ing us.) Some of you have been helping behind the scenes. Grateful for you.🙏

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Christine Benz

@christine_benz

6 months

One thing I find myself shaking my head over pretty much daily is the size of the financial complexity complex v. the ease/simplicity of setting up a reasonable portfolio of cheap index funds. Why are so many people engaged in making it seem harder than it really is?

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Christine Benz

@christine_benz

2 years

One thing I've observed: People are super-willing to ascribe their investment success to an advisor or to their specific investments, rarely pausing to consider that THE MARKET has been fantastic for a long time (at least until very recently). 🙄

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Christine Benz

@christine_benz

2 years

Laddering bonds is overrated/over-recommended for smaller individual investors, IMO. It can be complicated and difficult to obtain diversification, and in the end the investor builds something that looks an awful lot like...a bond fund.

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@christine_benz

Christine Benz

@christine_benz

5 years

Rest in peace, my friend. You were the conscience of the financial services industry and leave an awesome legacy of genuinely improving investors' lives. I never thought this day would come.

@MarketWatch

MarketWatch

5 years

Index fund pioneer John Bogle has died at age 89, reports

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Christine Benz

@christine_benz

3 years

There's been a lot of ink spilled over why this market is different from the late 1990s. But there's a troubling common denominator: inexperienced newly arrived investors aided and abetted by financial services companies looking to make a buck off them. This will not end well.

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Christine Benz

@christine_benz

2 years

Growth stocks' recent fall has been well documented, but I don't think we're talking enough about how style diversification has helped YTD. Vanguard Growth Index: -20.98% (1/1/22-5/4/22) Vanguard Value Index: -2.98% (1/1/22-5/4/22)

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Christine Benz

@christine_benz

11 months

This is such an essential chart, from @TRowePrice

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Christine Benz

@christine_benz

1 year

I had a bit of a revelation about index investing over the weekend. I was reading about Nvidia and thinking about what its competitors might be. Then I thought, wait, what do I care? Owning the whole market is kind of an open-ended bet on PROGRESS. And I like the odds. 👍

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Christine Benz

@christine_benz

6 months

I'm SO proud to announce that all of the 2023 @bogleheads conference sessions are free and available via the website of the John C. Bogle Center for Financial Literacy.

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2023 Conference - The John C. Bogle Center for Financial Literacy

boglecenter.net

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Christine Benz

@christine_benz

5 years

Last night while teaching an investment course to very beginning investors with very little money, I thought about how INSANE it would be to recommend anything but index funds/ETFs to them. Especially if I might not ever see them again.

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Christine Benz

@christine_benz

1 year

I've been screening for mutual funds on a major brokerage platform for the past few hours. My god there are still a lot of garbage-y funds out there. 🤦‍♀️

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Christine Benz

@christine_benz

2 years

Vanguard's 10-year Capital Market Assumptions (as of 9/22), stated in a range: U.S. equities: 4.7%–6.7% Developed markets equities (unhedged): 7.2%–9.2% Emerging markets equities (unhedged): 7.0%–9.0% U.S. aggregate bonds: 4.1%–5.1% Global bonds ex-U.S. (hedged): 4.0%–5.0%

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Christine Benz

@christine_benz

3 months

It is with a heavy heart that this onetime coffee achiever must report that she is now "no caffeine past noon" years old. 😢☕️

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Christine Benz

@christine_benz

9 months

Amazon Prime Day observation: I want nothing. I need nothing. Feels pretty good!

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Christine Benz

@christine_benz

8 months

Now THIS is scary. 💀

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Christine Benz

@christine_benz

3 years

I love these Chicago-based companies bringing people back to the office at the beginning in January. Making everyone get back to commuting in the heart of a Chicago winter—that’ll boost employee morale for sure. 😂

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Christine Benz

@christine_benz

7 months

I have had contact with a lot of professional financial people over the years. One observation: I've seen no rhyme or reason in where the most impressive ones went to school. Big state U, Ivy League, small no-name college. Impressive people come from all of these places.

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@christine_benz

Christine Benz

@christine_benz

8 months

Maddening story of the day: A friend's dad is in assisted living and had almost all of his money in CDs that had matured. Bank received the proceeds and parked the money in an account yielding less than 1%. Doesn't it seem like the bank should have called him re. next steps?

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Christine Benz

@christine_benz

3 years

I'm getting sick of this battle over the merits of target-date funds. If the criticisms stick and the investing public comes away with the notion that TDFs are suspect or not a solid choice, the critics will have done mainstream investors a grave disservice. Amen to Good>perfect.

@syouth1

Jeffrey Ptak

3 years

This is another ‘in theory you could do better’ attack on tgt date funds. TDFs aren’t perfect but succeed in way they automate tasks that can otherwise bedevil investors who don’t have the ‘time and diligence’ (or nerve!) to build their own. Good>perfect.

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Christine Benz

@christine_benz

2 years

Sigh. I'm not saying TD funds don't deserve scrutiny, but I can think of about 10,000 aspects of the finserv industry that are more worthy of criticism. These funds really simplify things/improve outcomes for a lot of people. #GoodBeatsPerfect via @WSJ

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Why Target-Date Funds Might Be Inappropriate for Most Investors

New research suggests that if you aren’t an average investor—and most people aren’t—the one-size-fits-all approach isn’t the way to go.

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@christine_benz

Christine Benz

@christine_benz

6 years

On becoming a minimalist, fighting the financial complexity complex, and talking about the hard stuff. Reflections on my 25 (🤔😬🤓🤗!) years @MorningstarInc :

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@christine_benz

Christine Benz

@christine_benz

2 years

Serious question: Do people's kids have classes on how to be a smart consumer of information and how to discern disinformation? It's starting to seem that that's as important a life skill as any.

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@christine_benz

Christine Benz

@christine_benz

2 years

So everyone knows they're following the right Christine_Benz: +If your investments are dull, you're doing it right. +Dogs rule. +I'd eat a board if it had Trader Joe's Sriracha BBQ sauce on it. +Fallingwater is one of the greatest pieces of American art of the 20th century. 🤗

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@christine_benz

Christine Benz

@christine_benz

2 years

“If your burn rate in retirement is 2% or 3%, it doesn’t matter what’s in your portfolio; you’re going to be fine.” Bill Bernstein on safe withdrawal rates at the annual @bogleheads conference. #Bogleheads

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Christine Benz

@christine_benz

3 years

Lots of smart people clearly disagree! My main point is that while expense tracking might work for some, for many people it’s better to set a savings target, automate contributions, and live on the rest. A granular spending assessment might be warranted but it might not be.

@christine_benz

Christine Benz

@christine_benz

3 years

💯! I’ve come to believe that “track your spending,” that mainstay of personal finance guidance, is a colossal waste of time that gets in the way of achieving financial goals.

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Christine Benz

@christine_benz

4 years

Welp, in true Cook County fashion, I got to vote twice this year! My mail-in ballot was not showing up as having been received, even though I dropped it off at a polling place last Monday. So I had to cast a provisional ballot in person. Not sitting this one out!

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Christine Benz

@christine_benz

2 years

This strikes me as something we should all be able to agree on. This shouldn’t be allowed. 👇🏻

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These 97 Members of Congress Reported Trades in Companies Influenced by Their Committees (Published...

See the stocks the lawmakers reported buying and selling and how their trades potentially conflicted with the committees they sat on.

www.nytimes.com

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Christine Benz

@christine_benz

1 year

Whoa, 🤯 JLCollinsNH getting a much-deserved shout-out here (watch the clip👇🏻)

@richandregular

rich & REGULAR

@richandregular

1 year

not me and Hasan literally being on the same page 🥹

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Christine Benz

@christine_benz

5 years

Surely the best thing any of us will see on Twitter today.

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Christine Benz

@christine_benz

2 years

I loaned this book to a friend quite awhile ago and he just returned it. I’m so glad he remembered! 😍

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@christine_benz

Christine Benz

@christine_benz

2 years

There’s this narrative (and indeed real research) that spending on experiences delivers a higher happiness ROI. But I’m not sure how to square that with the fact that some of my favorite experiences haven’t cost much/anything. It’s much more about *time* w/people.

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@christine_benz

Christine Benz

@christine_benz

4 years

Working through my parents' estates these past few years, I was struck by the fact that there were a few items that would have been tremendously helpful but are often unaddressed by conventional estate plans.

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@christine_benz

Christine Benz

@christine_benz

14 days

Today’s must-read, from one of my heroes, @ClementsMoney Jonathan is an absolute giant in his chosen field and an even better human being. ❤️❤️❤️❤️

@ClementsMoney

Jonathan Clements

14 days

What would you do if you were told you might have just 12 months to live? For me, this isn't a theoretical question.

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@christine_benz

Christine Benz

@christine_benz

3 years

💯! I’ve come to believe that “track your spending,” that mainstay of personal finance guidance, is a colossal waste of time that gets in the way of achieving financial goals.

Stop Tracking Spending and Other Money Tasks to Take Off Your To-Do List

Financial to-do lists abound at this time of year, but here are some suggestions from financial advisers for a 2022 to-don’t list.

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@christine_benz

Christine Benz

@christine_benz

4 years

And another thing about Social Security: People REALLY don't love it when you say it's a good idea to delay! One of my readers sends me near-daily emails about why I'm wrong about this. I'm half expecting to find him sitting in my living room some night when I get home. 🙄

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@christine_benz

Christine Benz

@christine_benz

2 years

Overdue.

@ossoff

Jon Ossoff

2 years

Tonight I introduced legislation to ban Members of Congress (and our spouses) from trading stocks. 3/4 of Americans agree!

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Christine Benz

@christine_benz

7 months

When I reflect on my failings as an investor, it's nothing as dramatic as panic selling when stocks are down or buying into bubbles. Instead it's inertia, laziness, complacency, being too busy. THOSE are the behavioral biases we need to be talking about more.

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@christine_benz

Christine Benz

@christine_benz

4 years

I wish investment firms gave you the option to not see your balance when you log on. I’m on Vanguard’s site retrieving some tax docs and am literally averting my eyes. 🤦‍♀️

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@christine_benz

Christine Benz

@christine_benz

3 months

The case for adding non-US equities looks pretty meh, given rising correlations. I'm curious: Are people keeping the faith in investing overseas? Why or why not?

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@christine_benz

Christine Benz

@christine_benz

1 year

"If everyone with a Planet Fitness membership showed up at the gym at the exact same time there would be chaos at the squat racks.... The same thing applies to banks." Great discussion from @awealthofcs

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Bank Runs, Now & Then - A Wealth of Common Sense

Silicon Valley Bank vs. the Panic of 1907.

awealthofcommonsense.com

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@christine_benz

Christine Benz

@christine_benz

1 year

1099s for taxable brokerage accounts from 2022 provide a wonderful lens to assess how good your "asset location" is. If you received big capital gains in a losing year (e.g., from mutual fund capital gains distributions), it's time to look at a more tax-efficient portfolio mix.

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Christine Benz

@christine_benz

4 years

Just finished an article about annuities. The variations among these products are so immense that it seems like the blanket term isn’t helpful and is certainly contributing to consumer confusion. Kind of like the term “financial advisor,” TBH. 🤷‍♀️

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Christine Benz

@christine_benz

5 years

I am sitting in a ballroom full of “Bogleheads” from around the country (and some from overseas!), all here to celebrate Jack Bogle’s life and legacy. It’s impossible to imagine any other individual in the investment industry inspiring that kind of devotion.

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Christine Benz

@christine_benz

1 year

The biggest financial planning opportunity to emerge from SECURE 2.0, IMO, is the widened window between retirement and the start of RMDs (age 73 this year and moving up to age 75 in 2033)--and the ability to convert traditional IRAs/401(k)s to Roth during that time. 1/

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Christine Benz

@christine_benz

3 months

"I don't want you thinking like that. It makes you small." I don't think @ramit ever said those words to me personally, but they've been hugely influential in how I think about money. I don't want to be small. 1/

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Christine Benz

@christine_benz

2 years

@ENVDani My personal solution is to just unify the 401(k)/IRA contribution limit. So rather than $20,500/$6,000, it's just $26,500 however you choose to deploy it. No 401(k) or lousy 401(k)? Put the whole $26,500 into an IRA. Gold-plated 401(k)? Put the whole $26,500 into the 401(k). 🤷‍♀️

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Christine Benz

@christine_benz

4 years

I’ll say it again: Could we possibly be complicating this investing thing a wee tiny bit? Because this isn’t that bad, right?

@michaelbatnick

Michael Batnick

@michaelbatnick

4 years

At the open, a 60/40 portfolio will be down ~10.5% YTD.

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Christine Benz

@christine_benz

6 months

One thing that seems to get lost in the shuffle: A lot of financially independent people are still working for money because they genuinely like their jobs.

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Christine Benz

@christine_benz

3 years

"Access to institutional-quality opportunities." (Just heard that in a podcast ad.) 🤯 Translation: The financial complexity complex is trying to sell you some complicated gobbledygook you don't need.

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@christine_benz

Christine Benz

@christine_benz

3 months

In hindsight, I worried disproportionately about the following during childhood: +Being sucked into quicksand +Electrocution +Getting lockjaw +Getting into deep trouble from overdue library books

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Christine Benz

@christine_benz

2 years

I've always been kind of obsessed with this graph--price/fair values for all of the companies in our equity analysts' coverage universe. Stocks currently trading at about a 15% discount to their fair values. 1/

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Christine Benz

@christine_benz

8 months

This one was from the heart.

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We Need to Talk About Your Retirement ‘Spending’

Big inheritances can be a sign of underconsumption and suboptimal planning.

www.morningstar.com

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Christine Benz

@christine_benz

5 years

With Jack Bogle's passing, one thing that I haven't seen discussed much is his influence on Vanguard's culture. Great organizations operate with a belief system; they stand for something. All of the Vanguard employees I know are true believers in doing right for investors.

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Christine Benz

@christine_benz

2 years

One thing I scratch my head over is why major investment firms heavily market TRADING (including options trading) as a productive activity for individual investors, even though it's not likely to lead to positive outcomes and trades are free. What are their major motivations?

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Christine Benz

@christine_benz

3 years

This one is really sticking with me. After the late 1990s bubble, I vowed I would speak up the next time I believed a lot of consumers were hurtling toward what is likely to be a painful outcome. It feels like that time is here. 1/4

@danielcrosby

Daniel Crosby

3 years

Shiller's Bubble Checklist: Sharp increases in asset prices Public excitement Media frenzy Stories of people earning a lot of money, causing envy Interest in the asset class among the general public “New era” theories to justify price increases A decline in lending standards

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Christine Benz

@christine_benz

1 year

Good grief, with the prime rate at 8.25%, most 401(k) borrowers are paying interest of more than 9%! Time to mark 401(k) loans with a skull and crossbones?

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@christine_benz

Christine Benz

@christine_benz

2 years

TIPS do a better job of acting like bonds than they do at providing inflation protection. Discuss.

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Christine Benz

@christine_benz

1 year

I just heard an ad for a trading platform that offers tools "that make it easy to execute complex trading strategies." I sound like a broken record but investors can be highly successful without complex trading strategies. End of rant. (For now.)

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Christine Benz

@christine_benz

4 months

U.S. total market style box currently. I don't track this kind of thing super-closely anymore, but this doesn't seem great.

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Christine Benz

@christine_benz

9 months

What's an investment-related/finance-related phrase that is like nails on a chalkboard for you? I'll start. "Generational wealth." 🤢

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Christine Benz

@christine_benz

5 months

This week is the 5th anniversary of Jack Bogle's passing. I can say with some confidence that he would love this graph.

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Christine Benz

@christine_benz

2 years

So, I attended a wake for this friend last night. 👇 He died suddenly after an aortic tear. Lessons for me: +Always be kind. (He was, unfailingly so). +Figure out what makes you happy and gives you purpose and peace. +Find a way to do those things as much/soon as possible.

@christine_benz

Christine Benz

@christine_benz

2 years

@alizig @scott_r_frank @Padres 💯 I recently ran into a college friend who has been working so hard as an attorney his whole adult life. He told me he was retiring and is sure he has enough $ because he realized what he loves best is riding his bike to the library. Wisdom.

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Christine Benz

@christine_benz

4 years

May 8 is Jack Bogle's birthday and a good time to remember all he did to make sure investors got "their fair share." @Rick_Ferri @ChipRoame @JaneBryantQuinn @knutrostad and Chip Simon got together to discuss Jack's legacy; I moderated. Watch/listen here.

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Christine Benz

@christine_benz

1 year

Sorry but this kind of thing drives me crazy. You know what MOST individual investors are doing? Investing slowly and steadily in their 401(k)s. The "busy/active individual investor" narrative is so very overdone by the financial complexity complex. 🤯

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Individual Investors Slow Stock Purchases, Leaving Markets Vulnerable

The sharp drop in individuals’ equity buying in recent weeks leaves stock markets without a dependable leg of support after a rocky first quarter.

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Christine Benz

@christine_benz

1 year

Yesterday while my sister bowled, I knocked out 2 small stones on my engagement ring. (Clapping!) I didn't notice until I got home so I went back to the bowling alley, assuming it was futile. With helpers and a 🔦, I found the 2 stones! Lesson: Don't give up without trying.💍

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Christine Benz

@christine_benz

2 years

"How can I earn more on my 'safe' money?" The most common question I've been getting from friends and family members these days is one that lacks a satisfying answer. People really don't love hearing that they'll be lucky to earn 1%. 😟

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Christine Benz

@christine_benz

1 year

Oh, how I love this photo of me and my dad, from the @MorningstarInc magazine! (Thanks to my colleague @shiftMK for sharing as she was sifting through the archives.) I miss my dad so much but he's always with me. 💓

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Christine Benz

@christine_benz

3 years

I've noticed that saying anything bad about crypto is a little like saying anything bad about investing in gold. It draws out people who have... interesting...and firmly held opinions. But I'll say it: Letting people put crypto in their 401(k)s is a hare-brained idea.

@SingletaryM

Michelle Singletary

3 years

Perspective | Some 401(k) plans may start offering cryptocurrency as an investment option. Here’s why that’s a bad idea.

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Christine Benz

@christine_benz

3 years

My hot takes from watching financial ads during golf this weekend: +You can invest successfully without ever trading options. +Insurance companies should not be a first stop for financial planning. +If you're downloading a trading app before a vacation, you're doing it wrong.

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Christine Benz

@christine_benz

4 years

Financial planning ppl often talk about obtaining charitable tax breaks, but I have a contrarian take. Some of the most impactful help you could provide might be direct financial assistance to people you know. No tax break, but it's a valuable opportunity to make a difference.

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Christine Benz

@christine_benz

4 years

The advice to pay off a mortgage early may be controversial in some circles. But I've yet to meet anyone with a paid-off home who feels an ounce of regret or FOMO.

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Christine Benz

@christine_benz

2 years

So you know you're following the right christine_benz and not some darn imposter: 📚 Saint Jack = Bogle 🎸 Saint Paul = Westerberg 💰 Less is more when it comes to your investments ☕️🐶💐💕 More is more when it comes to coffee, dogs, flowers, and kindness

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Christine Benz

@christine_benz

3 years

Yes yes yes. Anyone else walk out of Econ 101 with a) one of their worst grades in undergrad and b) a deep disinterest in the topic? And later find out that they're actually quite interested in economics? 🙋‍♀️

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Christine Benz

@christine_benz

4 years

Reese’s Take 5 is criminally underrated/underdiscussed in the candy pantheon.

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Christine Benz

@christine_benz

2 years

A short list of things I never seem to regret doing: 🚶🏻‍♀️ Taking a walk 👚🛋️ Giving stuff away 📨📞📱 Reaching out to a friend I haven't heard from in awhile

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Christine Benz

@christine_benz

2 years

Medians are better than averages. Data nerds, are you with me? (And none of this "They both have a place." This isn't the forum for nuance.)

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Christine Benz

@christine_benz

5 years

Regrets, I've had a few. 🤦‍♀️ I took stock of my financial mistakes (at least the ones that are still fresh).

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