higround — Human Investing Blog

Hi Ground Episode 11: Got FOGO? Fear Of Getting Obliterated?

E-mail us your questions, comments, and if you have FOGO: higroundpodcast@gmail.com

Episode 11 show notes

Part 1: Midterms Recap

November 3, 2016 Market Results post 2016 Elections

November 4, 2026 Market Results post 2026 Elections

**US Stocks**: Average Market Monthly Returns Based on Presidential & Congressional Parties (Human Investing)

Part 2: Investor Anxiousness

Rudegeair, Peter. “Hedge Fund Elliott Warns of FOGO: Fear of Getting Obliterated in the Market” Wall Street Journal, November 2nd, 2026 [Article]

Source: Federal Reserve Bank of St. Louis

Part 3: Economic Health

S&P 500 Year to Date Performance as of 11/3/2026

Source: JP Morgan Asset Management, Guide to the Markets

Part 4: Local Recs

Portland Running Company, Run With Paula Turkey Trot [Link]
White Rabbit Gluten-free Bakery, Aurora, Oregon [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 10 show notes

Part 1: Midterm Elections

Bonaparte, Kumar. “Political Climate, Optimism, and Investment Decisions” Science Direct, June 2017 [Article]

Sources: Large Cap Stock performance is the Ibbotson® SBBI® US Large-Cap Stocks (Total Return) for 1926 thru Sep1989, S&P 500 Total Return for Oct 1989 to Dec 2025. Ibbotson data courtesy of CFA Institute, S&P 500 TR data courtesy of Ycharts.
• Data is monthly Jan 1926 thru Dec 2025.
• Changes to Congress and President are assumed to occur 1/1 of each odd year (i.e 1937, 1939, etc.) Congressional and Presidential control data courtesy of house.gov records.

Part 2: Correlation v.s. Causation

Part 3: 2032 Social Security

Kellar, Will. *“The Reality Behind Social Security: What the 2032 Deadline Really Means*” Human Investing Journal, 22 October 2026 [Article]

Part 4: Local Recs

Durant Vineyards, Dundee, Oregon [Link]
Verboort Sausage & Kraut Festival, Verboort, Oregon [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 9 show notes

E-mail us your questions, comments, and if you like our banter: higroundpodcast@gmail.com

Episode 10 show notes

Part 1: Headline Reactions

Herbert, Emily. “S&P 500 hits record high as AI stocks shrug off bond market slump” Financial Times, 6 October 2026 [Article]
Wang, Isabel and Wiltermuth, Joy. “Rising yields are quietly crashing the stock market’s earlier winners of 2026” Market Watch, 8 October 2026 [Article]
Fonda, Daren. “Here comes third-quarter earnings season. Booming profits could propel the S&P 500 to new heights” CNBC, 7 October 2026 [Article]
Confino, Paolo. “Michael Burry's Bearish View. The Market Is In 'Denial' About The End Of The AI Trade.” Investor’s Business Daily, 6 October 2026 [Article]
Detrick, Ryan [@RyanDetrick]. “When the S&P 500 is in the sweet spot going into Q4 (up YTD between 10% to 20%) the returns get even better. Higher 85% of the time in Q4 and up 5.3% on average.” X, 1 October, 2026 [Tweet]
Morningstar Mind the Gap US 2026 [Report]

Part 2: Bonds in Retirement Plans

Nelson, Andrew. “The Bond Market is Changing Retirement Math” Human Investing Journal, 6 October 2026 [Article]

Part 3: End of the Year Moves

Part 4: Local Recs

Dos Mundos, Newberg, Oregon [Link]
Mole Mole, Portland, Oregon [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 8 show notes

Part 1: Collectibles as an Asset Class

Post, J.J. “Joe Montana Super Bowl XXIV jersey fetches record price” ESPN, 13 August 2026 [Article]
Holder, Larry. “What’s working in the sports collectibles world: Industry leaders share what they’re seeing” The Athletic, 6 August 2026 [Article]
Burrows, Benjamin. “CardVault by Tom Brady adds investors including Aaron Judge, Jay-Z, Connor McDavid” The Athletic, 13 August 2026 [Article]

Part 2: Local Real Estate Updates

U.S. Bank. U.S. Bank 2026 Wealth Report, 2026 [Report]

Part 3: Local Recs

The Alley Cards and Collectibles, Lake Oswego, Oregon [Link]
E.Z. Orchards, Salem, Oregon [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 7 show notes

Part 1: Sports Betting Rush

Song, Zijia and Amponsah, Michelle. “Gen Z Is Moving Money From Stocks to Sports Betting in Wealth Plans” Bloomberg, 12 August 2026 [Article]
Bloomberg Originals. “Why Gen Z Is Gambling With Its Future” YouTube, uploaded by Bloomberg Originals, 10 July 2026 [Video]
Northwestern Mutual. “Planning & Progress Study 2026” Northwestern Mutual, 2026 [Report]

Part 2: Becoming a 401(k) Millionaire

Picchi, Aimee. “Sturdy stock market mints a record number of 401(k) millionaires” CBS News, 4 September 2026 [Article]
Fuhrmans, Vanessa. “American Workers Are Staying Put” Wall Street Journal, 9 September 2026 [Article]

Human Investing Retirement Contribution by Decade Calculator [Link]

Becoming a 401(K) Millionaire by Peter Fisher [Link]

Part 3: Local Recs

Swan Island Dahlias in Canby, OR [Link]
Hood to Coast Relay [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 6 show notes

Part 1: Why Are Bonds Acting Up?

Goldfarb, Sam and Rubin, Richard. “Bonds Are Getting Hammered, and Wall Street Says the Rout Won’t End Anytime Soon” Wall Street Journal, 18 August 2026 [Article]

Part 2: Where Do Bonds Fit?

Kellar, Will. “Managing Your Finances With The Three Bucket Approach” Human Investing Journal, 10 June 2025 [Article]

Part 3: Parking ‘Safe’ Dollars

Gottfried, Miriam. “Wealth Management Has a $3 Trillion Problem: Investors Are Keeping Too Much Cash” Wall Street Journal, 12 August 2026 [Article]

Damodaran, Aswath. “Historical Returns on Stocks, Bonds, Real Estate and Gold.” Stern School of Business at New York University. 1 August 2026. [Database]
Chilkoti, Avantika and Kruger, Daniel. “Some Investors Had Hunch Yields Were About to Fall” Wall Street Journall, 9 June 2019 [Article]

Part 4: Local Recs

Portland Annual Swift Watch [Link]
LPGA The Standard Classic [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 5 show notes

Part 1: The Economy vs. Stock Market

Heard on the Streets Staff. “Markets Rally on Surprise U.S. Job Losses” Wall Street Journal, 7 August 2026 [Article]
Mutikani, Lucia. “US suffers unexpected job losses in July, markets dial back rate hike expectations” Reuters, 7 August 2026 [Article]
Michael Burry 2023 “Sell” [Link]
Chart: S&P 500 % Change Over Previous 5-years

Part 2: $100 Hot Dogs & Investing Behavior

Chandler, Adam. “The Rise of the $100 Hot Dog” Wall Street Journal, 8 August 2026 [Article]
Lake, Sydney. “Costco CEO promises the $1.50 hot dog isn’t going away: The price will not change as long as I’m around” Fortune, 4 July 2026 [Article]
Understanding ERISA Diversification [Link]
“The Real Cost of Your Morning Coffee” Human Investing, 22 May 2015 [Article]

Part 3: Local Recs

Hot Mama Salsa Tortilla Chips [Link]
Farmer Johns Produce & Nursery, McMinnville OR [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

Episode 4 show notes

Part 1: The Allure of the Gamble

“'I couldn't breathe': South Korea's frenzied stock trading exposes margin loan risks.” Reuters, 19 July 2026 [Article]
The Frame by Samsung [Link]
Thaler, Richard. Johnson, Eric. “Gambling With the House Money and Trying to Break Even: The Effects of Prior Outcomes on Risky Choice.” Research Gate, June 1990 [Article]
Chart: What percentage gain is needed to make up for a loss?

Part 2: The Odyssey Sirens

Part 3: Rip City Update

“Tom Dundon using a tired playbook.” Bald Faced Truth by John Canzano, 25 July 2026 [Article]
“Trail Blazers, city of Portland finally meet, but distance to arena deal remains ‘significant’.” The Athletic, 30 July 2026 [Article]
4.14.2004: Kobe Bryant Nails the Winning 3 in Double OT [Video]

Part 4: Local Gems

Call Ja Morant Hotline [Link]
Suttle Lodge Boat House, Deschutes National Forest, Oregon [Link]

Featured

Will Kellar

Will Kellar, CFP®
Will is motivated by the opportunity to serve hardworking people and their financial pursuits, through advocacy, problem solving and great advice. He’s a CERTIFIED FINANCIAL PLANNER™ practitioner who loves the feeling of when our team makes a positive tangible impact in someone's life. He’s also serving as an adjunct professor of Retirement Planning at George Fox University.

Read more →

Blog Authors

Andrew Nelson

Andrew Nelson
Andrew is passionate about diving into the details of organizations and how they serve their employees. Working with companies, increasing the financial literacy of employees and committees and stretching employee benefit dollars are at the core of what Andrew and his team get excited about.

Read more →

Disclosure:
This material is provided for informational and educational purposes only. It should not be construed as investment, legal, or tax advice, nor does it constitute a recommendation or solicitation to buy or sell any security. Investors should consult with a qualified financial professional before making any investment decisions. Rebalancing and asset allocation strategies do not ensure a profit or protect against loss in declining markets. There is no guarantee that any investment strategy will achieve its objectives. Any references to historical performance, academic studies, or research are based on past data and should not be considered indicative of future results. Past performance is not a guarantee of future outcomes. Advisory services offered through Human Investing, an SEC-registered investment adviser.

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