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Home insurance rates up by 76% in some states
Over the last 6 years, home insurance rates have increased by up to 76% in some states. Between inflation, costlier repairs, and extreme weather, premiums are climbing fast – but that doesn’t mean you have to overpay. Many homeowners are saving hundreds a year by switching providers. Check out Money’s home insurance tool to compare companies and see if you can save.
Readers,
Welcome to The Starting 5 Newsletter! The 30 Second Newsletter with stocks, motivation, and tunes! Hope you enjoy!
1. Stock Performance 📈
DIA: $476.75 ↑ 0.31%
NASDAQ Composite Index: 23,320.18 ↓ 0.40%
S&P 500 (SPY): $682.42 ↑ 0.13%
AMZN: $232.69 ↓ 0.74%
AAPL: $286.64 ↑ 0.16%
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Introducing The Warm-Up — the once-a-week newsletter breaking down the music behind the world’s top athletes.
Founded by two former Division I athletes, we’re not here to clutter your inbox — just one email a week with the pre-game playlists, locker room anthems, and go-to tracks that fuel champions and teams. Song-by-song, we show you what today’s top performers are listening to before they dominate.
It’s like having that teammate who always had the aux cord… now in your inbox.
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2. Crypto Check-In 🪙
BTC: $92,458.00 ↑ 1.69%
ETH: $3,083.42 ↑ 2.48%
SOL: $141.07 ↑ 2.11%
LTC: $85.19 ↑ 3.07%
3. Motivation Of The Day 💭
“Start where you are. Use what you have. Do what you can.”
— Arthur Ashe
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4. Term Of The Day 📚
Sharpe Ratio
📖Definition: A measure of how much excess return an investment generates for each unit of risk (volatility) taken. It’s calculated as:
Sharpe Ratio = (Investment Return − Risk-Free Rate) ÷ Standard Deviation of Returns
📊Why it matters: It lets you compare risk-adjusted performance. Two portfolios might have the same return, but the one with the higher Sharpe ratio delivered that return with less “bumpiness” along the way—meaning you were paid more for each unit of risk
💡Example:
Portfolio A returns 10% per year with low volatility.
Portfolio B returns 12% per year but swings wildly.
If Portfolio A has a Sharpe ratio of 1.0 and Portfolio B has 0.6, A is actually the better risk-adjusted choice, even though its raw return is lower
How High-Net-Worth Families Invest Beyond the Balance Sheet
The 2025 High-Net-Worth Professional Services Report reveals what today’s wealthy families value most, what disappoints them, and where satisfaction truly comes from.
Learn why emotional well-being often outranks financial optimization.
See which services families are most likely to change — and which they’ll never give up.
Understand generational differences shaping how the wealthy live, work, and parent.
See how you compare to your peers.
5. Song Of The Day 🎧
🎧Song: “HUMBLE.” by Kendrick Lamar
Genre: Rap
Why it hits: Minimal, hard-hitting production paired with laser-focused lyrics—perfect “lock-in” energy when you need to reset your mindset and attack the day with confidence
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3. Personal Finance Tips - 1 tip a day to help with your personal finance needs
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Thanks For Reading,
The Starting 5 Team
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