The Consistent Investor™ Archives
Welcome to the official Consistent Investor™ Archives.
Here you’ll find past newsletters, reports, and insights from my personal investing journey covering income, growth, and speculation within the 50/35/15™ framework.
Each letter reflects real world portfolio management, financial discipline, and the long-term pursuit of consistency, cash flow, and growth.
Newsletters
2026
Newsletter #31 — April 30, 2026
Fractional Banking Explained - Part 4: Credit Contraction, Banking Stress & Why Preparation Beats Prediction
👉 https://samuellilly.substack.com/p/fractional-banking-explained-part-35c?r=6kcdyy
Newsletter #30 — April 23, 2026
Fractional Banking Explained - Part 3: Inflation, Asset Prices & Who Benefits
👉 https://samuellilly.substack.com/p/fractional-banking-explained-part-a9b?r=6kcdyy
Newsletter #29 — April 16, 2026
Special Edition: Not Theory Results: My Stocks 2026 Portfolio So Far
👉 https://samuellilly.substack.com/p/special-edition-not-theory-results?r=6kcdyy
Newsletter #28 — April 9, 2026
Fractional Banking Explained - Part 2: Liquidity, Leverage & the Illusion of Stability
👉 https://samuellilly.substack.com/p/fractional-banking-explained-part-a6a?r=6kcdyy
Newsletter #27— April 2, 2026
Fractional Banking Explained — Part 1: How Banks Really Create Money
👉 https://samuellilly.substack.com/p/fractional-banking-explained-part?r=6kcdyy
Newsletter #26 — March 26, 2026
Broken Money — Part 5: Conclusion
👉 https://open.substack.com/pub/samuellilly/p/broken-money-part-5-conclusion?utm_campaign=post&utm_medium=email
Newsletter #25 — March 19, 2026
Broken Money — Part 4
👉 https://samuellilly.substack.com/p/broken-money-part-4-conclusion?r=6kcdyy
Newsletter #24 — March 12, 2026
Broken Money — Part 3
👉 https://samuellilly.substack.com/p/broken-money-part-3?r=6kcdyy
Newsletter #23 — March 5, 2026
Broken Money — Part 2
👉 https://samuellilly.substack.com/p/broken-money-part-2?r=6kcdyy
Newsletter #22 — February 26, 2026
Broken Money — Part 1
👉 https://samuellilly.substack.com/p/broken-money-part-1
Newsletter #21 — February 19, 2026
The Cantillon Effect — Conclusion
👉 https://samuellilly.substack.com/p/the-cantillon-effect-what-it-means?r=6kcdyy
Newsletter #20 — February 11, 2026
The Cantillon Effect — Part 3: The Quiet Tax
👉 https://samuellilly.substack.com/p/the-cantillon-effect-part-3?r=6kcdyy
Newsletter #19 — February 5, 2026
The Cantillon Effect — Part 2: Inflation
👉 https://samuellilly.substack.com/p/the-cantillon-effect-inflation-part?r=6kcdyy
Newsletter #18 — January 29, 2026
The Cantillon Effect — Part 1: Money
👉 https://samuellilly.substack.com/p/the-cantillon-effect-money-part-1?r=6kcdyy
Newsletter #17 — January 19, 2026
Understanding Liquidity: Where Money Comes From and Why It Matters
👉 https://samuellilly.substack.com/p/understanding-liquidity-where-money?r=6kcdyy
Newsletter #16 — January 8, 2026
How to Build Your First Portfolio with the 50/35/15 Plan
👉 https://samuellilly.substack.com/p/how-to-build-your-first-portfolio?r=6kcdyy
Newsletter #15 — January 1, 2026
Managing a Portfolio: Staying Consistent After Setup
👉 https://samuellilly.substack.com/p/managing-a-portfolio-staying-consistent?r=6kcdyy
Newsletter #14 — January 1, 2026
Cash Flow Strategies for Beginners
👉 https://samuellilly.substack.com/p/cash-flow-strategies-for-beginners?r=6kcdyy
2025
Newsletter #13 — December 24, 2025
The Psychology of Consistency: Why Your Mindset Determines Your Wealth
👉 https://samuellilly.substack.com/p/the-psychology-of-consistency-why?r=6kcdyy
Newsletter #12 — December 18, 2025
Understanding Where You Invest
👉 https://samuellilly.substack.com/p/understanding-where-you-invest-brokerages?r=6kcdyy
Newsletter #11 — December 11, 2025
The 50/35/15 Club Portfolio
👉 https://samuellilly.substack.com/p/503515-club-portfolio?r=6kcdyy
Newsletter #10 — December 4, 2025
Special Segment: Mortgage Strategies & Financial Independence
👉 https://samuellilly.substack.com/p/special-segment-mortgage-strategies?r=6kcdyy
Newsletter #9 — November 26, 2025
The Power of Patience
👉 https://samuellilly.substack.com/p/the-power-of-patience-why-waiting?r=6kcdyy
Newsletter #8 — November 13, 2025
Variable Yields: The Hidden Risk Behind High Rates
👉 https://samuellilly.substack.com/p/variable-yields-the-hidden-risks?r=6kcdyy
Newsletter #7 — November 6, 2025
Dividends That Grow
👉 https://samuellilly.substack.com/p/dividends-that-grow?r=6kcdyy
Newsletter #6 — October 30, 2025
Cash on the Sidelines: When Waiting Pays More Than Acting
👉 https://samuellilly.substack.com/p/cash-on-the-sidelines-when-waiting?r=6kcdyy
Newsletter #5 — October 23, 2025
Crypto for the Conservative Investor
👉 https://samuellilly.substack.com/p/crypto-for-the-conservative-investor?r=6kcdyy
Newsletter #4 — October 16, 2025
Crypto Deep Dive: Bitcoin, Stablecoins & Self-Custody
👉 https://samuellilly.substack.com/p/crypto-deep-dive-bitcoin-stablecoins?r=6kcdyy
Newsletter #3 — October 9, 2025
Generating Income with Covered Calls
👉 https://samuellilly.substack.com/p/turning-stocks-into-paychecks?r=6kcdyy
Newsletter #2 — October 2, 2025
Building Reliable Income — The 50% That Keeps You Grounded
👉 https://samuellilly.substack.com/p/the-35-that-keeps-you-grounded?r=6kcdyy
Newsletter #1 — September 26, 2025
The Consistent Investor — 50/35/15 Portfolio: Income That Lasts
👉 https://samuellilly.substack.com/p/the-consistent-investor?r=6kcdyy