Nick Maggiulli

Nick Maggiulli is COO at Ritholtz Wealth Management and author of "Just Keep Buying: Proven Ways to Save Money and Build Your Wealth" (2022). His blog "Of Dollars and Data" combines data analysis with personal finance writing, examining questions about saving, investing, and wealth-building with an empirical approach. Maggiulli is known for challenging conventional personal finance wisdom with data, such as questioning whether dollar-cost averaging is always superior to lump-sum investing. His accessible writing style has attracted a large following among data-savvy retail investors. His systematic analysis of historical return distributions, income saving rate trajectories, and the compounding effects of incremental saving behavior provides individual investors with empirically grounded expectations for wealth accumulation that cut through the oversimplified rules of thumb that dominate popular personal finance content, helping readers make more calibrated decisions about spending, saving, and investment risk tolerance over their financial lifecycle.