Batch 24 QA Notes — Sentinel Review

Date: 2026-03-24
Reviewer: Sentinel (QA Agent)
Status: NEEDS_FIXES

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Files Reviewed

| File | SEO Frontmatter | 1200+ Words | Data Accuracy | No Stock Picks | No Guarantees | CTA → valueofstock.com | Prose | |------|----------------|-------------|---------------|----------------|---------------|------------------------|-------| | batch-24-how-to-invest-in-your-30s.md | ✅ | ✅ | ⚠️ | ✅ | ✅ | ✅ | ✅ | | batch-24-what-is-bear-market-rally.md | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | batch-24-psychology-of-selling-too-early.md | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | batch-24-passive-income-from-stocks.md | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | batch-24-how-to-research-stock-free-tools.md | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |

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Issues Found

1. batch-24-how-to-invest-in-your-30s.md — Math Error

Issue: Compound interest example contains an incorrect figure.

Current text:

"That same $10,000 invested at 45 grows to only about $43,000."

Problem: At 8% annual return for 20 years (age 45 → 65), $10,000 grows to approximately $46,610, not $43,000. The article correctly states ~$147,000 for the 35-year scenario (age 30 → 65, which computes to $147,853 ✅), but the 20-year figure is off by ~$3,600 (~8% error). Both calculations in the same paragraph reference 8% average annual return, making this inconsistency visible to any reader who checks the math.

Fix: Change "only about $43,000" → "only about $46,600".

Corrected sentence:

"That same $10,000 invested at 45 grows to only about $46,600."

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Verified Claims (Passed)

The following data points were verified and are accurate:

• 2008 bear market drawdown (~57%): ✅ S&P 500 peaked Oct 2007 (~1,565), bottomed Mar 2009 (~666) = 57.4% decline.
• 2022 decline (~25%): ✅ S&P 500 Jan 2022 high (~4,796) to Oct 2022 trough (~3,577) = ~25.4% decline.
• 2022 summer bear market rally (~17%): ✅ Jun 16 trough (~3,666) to Aug 16 peak (~4,305) = ~17.4%.
• Passive income math (3.5% yield): ✅ All figures verified:
  • $500/mo → ~$171,429 (article: ~$171,400) ✅
  • $1,000/mo → ~$342,857 (article: ~$342,900) ✅
  • $3,000/mo → ~$1,028,571 (article: ~$1,028,600) ✅
• Passive income math (4.0% yield): ✅ All figures verified ($150K / $300K / $600K / $900K).
• Odean's brokerage study: ✅ ~10,000 accounts, UC Berkeley, finding that sold winners outperformed held losers by ~3.4 pp — consistent with published research.
• Kahneman/Tversky prospect theory (1979): ✅ Accurate citation; loss aversion ~2:1 ratio is the established finding.
• Shefrin & Statman disposition effect (1985): ✅ Correct attribution and description.
• Bessembinder "4% of stocks" finding: ✅ Matches his 2018 paper "Do Stocks Outperform Treasury Bills?"

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Summary

1 file needs a fix. All other 4 files are approved. The fix is a single sentence correction of a compound interest calculation in batch-24-how-to-invest-in-your-30s.md. No fabricated data, no stock-picking advice, no guaranteed return promises, and all CTAs correctly link to valueofstock.com.