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Hello there!

In this edition of the newsletter, we are introducing our brand new decision tool: Should I Buy It? We are also discussing how a.i. is changing passive income. Plus, an update from inside my portfolio.

Let's dive in!

Should I buy it?

How many times, daily, do you find yourself trying to decide if something is "worth the money?" I've been there. But here's the thing: that decision is more complex than you think. There is the price paid, recurring expenses, time spent taking care of it, and more.

This is why we created our brand new decision tool called Should I buy it?​

This tool quickly and easily calculates how much your purchase really costs, and converts that cost into a time-expense.

Instead of thinking about a new iPhone costing $600, think about it in terms of how many hours it takes you to earn that iPhone, after taxes. For some, it might require 40 hours to earn that money. For others, it might be 20 hours.

The app gathers your purchase information, including price and maintenance costs:

The app shows you how much money you spend or save and how much time you spend or save, with the purchase:

The app will always be free on our website. Give it a try, and in 5 minutes, you'll decide on your next purchase!

Try "Should I Buy It?"

How AI Is Creating New Passive Income Opportunities for Employees in 2026

A year ago, if you told me I'd have a functioning website, multiple ebooks, a newsletter, and a growing online business, all built without writing a single line of code, I would have laughed.

Not because I didn't want those things. I've wanted to build CheatCode Wealth for years. I just didn't think it was possible for someone like me.

I'm a full-time employee. I have four kids. My day job involves soil health and helping farmers, not building websites. I don't have a tech background. I don't have a marketing degree. And I definitely don't have hours of spare time lying around each evening.

But AI changed the math. And it can change it for you, too.

​Continue reading...​

A Look Inside My Portfolio

You may have noticed, recently, that one stock has been on the move: Advanced Micro Devices Inc. ($AMD). This stock has gone straight up, in a vertical line. Over the month of April, it's up 134%.

My followers on TradingView were aware of my investment thesis on $AMD back in October 2025, when I noted a retest of a bullish breakout. Based on that breakout, I identified a potential price target of around $370 a share. It has now blasted past that target on its way to $450/share.

My portfolio has benefited nicely from the development. My AMD position is now over 260% in returns:

But I didn't get here by drawing random lines on a chart. Absolutely not.

It was the data from my favorite stock analysis tool that showed me the potential: FastGraphs.

This is what the FASTGraphs chart of AMD looked like in October, when I noted the bullish breakout (red arrow):

I used the forecasting tool in the chart to project that AMD could reach $319.90 per share by 12/31/2026. This was based on analyst estimates that included 75% earnings growth in 2026.

For quick reference, the black wiggly line is AMD's stock price, the black solid line is the current P/E valuation of the stock plotted over time, the blue line is the stock's average P/E valuation, and the orange line is the estimated "fair value" P/E valuation.

As you can see, the price has far exceeded my expectations, based on this data. I have decided to trim my AMD position and take profits, because the risk-reward ratio has tipped.

Any of these scenarios could play out for AMD from here:

1. Price falls back to fair value, around $319 per share, by the end of 2026.
2. Price "treads water" and moves little between now and 2027.
3. Price continues to track the current P/E valuation line, which puts the P/E at 84.55 (very high).
4. Price experiences a mean reversion to its average valuation, followed by an overshoot to undervalued territory.

Here's the thing: nobody knows.

The future cannot be predicted. But with the aid of FASTGraphs, I have never been more successful with stock investing. Full stop.

If you want to give FASTGraphs a try, you can get a 25% discount using this link and the promo code AFFILIATE25 at checkout.

FASTGraphs offers 5 different subscription services:

1. Free Trial ($0 for 7 days)
2. Monthly Basic ($19.95/month)
3. Annual Basic ($191.40/year)
4. Monthly Premium ($49.95/month)
5. Annual Premium ($480/year)

The free trial and Premium plans will get you access to all the tools and data, including the Basic plan, stock screening, unlimited portfolios, broker connections, advanced portfolios, and more.

The Basic plan gives you access to charts, forecast calculators, basic valuation metrics, and performance data.

In my opinion, Basic is an absolute must-have for any stock investor, and Premium is fantastic for serious stock investors.

The subscription cost seems high, but I've never have any heartburn paying it every year. I've been a subscriber since 2018. This tool has saved me from wasting time and making poor investments. It has paid for itself many, many times over.

I encourage you to give it a try. Once you get a handle on the dashboard, getting the info you need will be a breeze.

Use promo code AFFILIATE25 to get 25% off at checkout:

Get started with FASTGraphs

Disclaimer: this content is for educational purposes only and is not financial advice. This segment contains affiliate links. I may receive compensation from those affiliate links at no extra cost to you.

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Build your portfolio, keep your life.

Garrett​
​Author of Portfolios & Bedtimes Stories newsletter