Nick Maggiulli - Benzinga

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Nick Maggiulli

COO & Data Scientist, Ritholtz Wealth. Author, OfDollarsAndData

About Nick Maggiulli

Nick Maggiulli is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management, where he oversees operations across the firm and provides insights on business intelligence. He is also the author of OfDollarsAndData.com, a blog focused on the intersection of data and personal finance, and the bestselling book Just Keep Buying: Proven ways to save money and build your wealth. His work has been featured in Forbes, The Wall Street Journal, and CNBC. Mr. Maggiulli graduated from Stanford University with a degree in Economics and currently resides in New York City.

Articles by Nick Maggiulli

How Much House Is Too Much?

How Much House Is Too Much?

Homeownership is a cherished part of American society and a cornerstone of the American Dream. With the homeownership rate at 65% within the U.S.

How Much Is My Pension Worth?

How Much Is My Pension Worth?

A few weeks ago I saw a tweet that said that Tim Walz, the Democratic vice presidential candidate, had a net worth of around $330,000.

Are Demographics Destiny For The Stock Market?

Are Demographics Destiny For The Stock Market?

A recently released paper called The Wealth of Working Nations found that, after controlling for working-age population (i.e.

Is Nvidia Overvalued? The $3 Trillion Question

Is Nvidia Overvalued? The $3 Trillion Question

Last week Nvidia released its quarterly earnings to much fanfare (including this Nvidia earnings watch party in NYC).

Nothing Is Certain Except Debt And Taxes

Nothing Is Certain Except Debt And Taxes

A few weeks ago I tweeted the following, which caused a bit of controversy on Twitter/X:

How Long Can Stocks Underperform?

How Long Can Stocks Underperform?

The S&P 500 is now roughly 8.5% off its all-time highs last month, foreign stocks are getting hammered, and the crypto markets saw

Why Lifestyle Creep Is Mostly A Myth

Why Lifestyle Creep Is Mostly A Myth

Lifestyle creep. Keeping up with the Joneses. Raising your spending after an increase in your income.

Don't Take The Last Dollar

Don't Take The Last Dollar

My favorite scene in the movie Arbitrage (spoiler alert) is where Richard Gere’s character, Robert Miller, negotiates the sale of his business to a rival, James Mayfield.

How Does Inflation Impact Retirement?

How Does Inflation Impact Retirement?

Though the rate of inflation has decreased over the past two years from a high of 9%, many consumers are still worried about rising prices. This is especially true for retirees, who don’t have the ability to earn more money and offset an increased cost of living.

Why Stocks Are The Greatest Asset Class

Why Stocks Are The Greatest Asset Class

One of the questions I get asked the most often is, “What should I invest in?” While the right answer depends on a host of factors including your risk tolerance, financial goals, and more, I’ve slowly converged toward one asset class in particular—stocks/equities.

Why Haven't Home Prices Dropped?

Why Haven't Home Prices Dropped?

Last month the median U.S. home sale price hit a record high of $387,600, according to Redfin.

Is Maximizing Credit Card Rewards Worth It?

Is Maximizing Credit Card Rewards Worth It?

Credit card rewards: are they a free lunch, a waste of time, or a bit of both? I’ve often thought about this question over the years as I signed up for different credit card reward programs and chase appealing signup bonuses. However, my thinking has changed a bit since getting my first rewards card back in 2012.

How Does The Stock Market Perform In An Election Year?

How Does The Stock Market Perform In An Election Year?

With the U.S. Presidential election set for a rematch in November, many investors are wondering how the U.S. stock market might perform in the months that follow. While predicting the future is never easy, using history as a guide can be useful for understanding how markets might react to a Biden or Trump victory. To this end, I have written this blog post which will cover:

Bitcoin And Gold Won't Save You

Bitcoin And Gold Won't Save You

With the rise of AI, the growing U.S. debt, and the looming possibility of WWIII, there’s been some discussion about how to invest in case society collapses. Though these conversations tend to be overly dramatic, most of the theories around how to allocate your money for the end of the world are misguided.

Invest For The Decades, Not The Years

Invest For The Decades, Not The Years

A little over two years ago, I published Just Keep Buying: Proven ways to save money and build your wealth. Back then, it looked like my timing couldn’t have been worse.

Where You Should Put Your Money (And When)

Where You Should Put Your Money (And When)

One of the biggest problems people have when it comes to money is figuring out what to do with it and when. Should you save up an emergency fund or pay off your debt first? Should you max out your 401(k) or invest more into your taxable brokerage account? Is it better to pay off your home early or invest your excess savings in stocks?

Should You Rent Or Buy A House?

Should You Rent Or Buy A House?

Buying a home is often considered the biggest financial decision people make in their lives. As a result, it makes sense as to ask yourself whether buying is the right choice when compared with renting. Unfortunately, this decision can easily get bogged down with the many assumptions and costs that go into renting vs. buying a home.

More People Buy, Number Go Up

More People Buy, Number Go Up

Bitcoin (CRYPTO: BTC) hit a new all-time high last week and I felt nothing. No FOMO. No regrets. Nada. I still own more than half a Bitcoin, but my thinking on crypto has changed quite a bit since Bitcoin was last at $69,000.

The Case For And Against Dividend ETFs

The Case For And Against Dividend ETFs

One of the most common questions I get asked when it comes to which kinds of stock ETFs/mutual funds to invest in is: What do you think about dividend paying ETFs?

Millionaires Don't Use Astrology, Billionaires Do

Millionaires Don't Use Astrology, Billionaires Do

I recently read this New York Magazine article written by Reeves Wiedman (his name will be relevant