McFinance Newsletter

  Hello McFinancers! Welcome to this month’s Market Recap & Investment Overview.   June 2026 was defined by three competing forces: persistent inflation, geopolitical conditions that appear to be easing by month-end, and a broadening of market leadership beyond mega-cap technology stocks. The month began with escalating tensions between the United States and Iran that disrupted shipping through the Strait of Hormuz and drove energy prices sharply higher. As of month-end, a ceasefire agreement and reopened shipping lanes have reduced near-term supply concerns and stabilized global markets even though geopolitical conditions of this nature remain subject to rapid reversal with little to no notice, and this should be read as a snapshot of current conditions rather than a resolved outcome. Meanwhile, U.S. inflation remained elevated, with headline CPI reaching 4.2% year-over-year in May and producer prices accelerating to 6.5%, according to the U.S. Bureau of Labor Statistics....

  Hello McFinancers! The uncomfortable truth about emergency funds is that most discussions get the tradeoff backwards. Building too small a cash reserve leaves you vulnerable to layoffs, medical bills, and major repairs. Building too large a reserve creates a different risk: permanently sacrificing long-term wealth accumulation by holding excessive cash that could have been invested elsewhere. The challenge is not maximizing safety or maximizing returns. It is preserving optionality by maintaining enough liquidity to survive unexpected events while retaining the ability to capitalize on opportunities when they appear. This matters because emergencies rarely arrive in isolation. A job loss can coincide with a market downturn. A major home repair can arrive during a period of elevated inflation. A career opportunity may require relocation costs just months after a medical expense. According to the Federal Reserve's Survey of Household Economics and Decisionmaking (SHED), only 63% of...

  Hello McFinancers! Here’s your weekly round-up of what’s been happening in the world of money, markets, and macro trends: reports indicate a rise in CPI and PPI, China’s oil imports have decreased, President Trump is threatening trade deals among North American countries, and Ripple Labs released an AI kit that can interact and use the Ripple network Rise In CPI The Consumer Price Index rose 0.5% for the month of May, putting the annual inflation rate at 4.2% which is double the Fed’s 2% target. The core CPI, which strips out food and energy, came in at 0.2% monthly and 2.9% annually, which is the relatively better news in the report. The bad news is what’s driving the headline: energy prices jumped 3.9% in a single month, pushing the 12-month energy gain to 23.5%. Shelter costs, which make up over a third of CPI weighting, rose 3.4% annually. The Iran conflict is being cited as the primary catalyst for the energy surge, with markets rattled further by escalating rhetoric from th...

  Hello McFinancers! Few private companies have generated as much investor interest as SpaceX. The company has transformed the economics of space launches, built one of the world’s largest satellite communication networks through Starlink, and sits at the center of several long-term technology trends, including space infrastructure, global connectivity, artificial intelligence, and energy. A public offering is no longer hypothetical. SpaceX is targeting a June 12, 2026 IPO on the Nasdaq under the ticker SPCX. According to Bloomberg, the company is looking to raise more than $30 billion at a valuation of approximately $1.5 trillion — which would make it the largest IPO in history, surpassing Saudi Aramco’s $29 billion listing in 2019. SpaceX filed its S-1 registration document with the SEC in mid-May 2026, providing the first public look at the company’s financials. Before getting caught up in the excitement, investors should understand both the opportunities and the risks. Company ...