The two paycheck strategy When I got my first job out of college, there are really only 3 things I did. On the weekends, I got Mexican food at this dope ass restaurant (which I forgot to save to google maps) and a smoothie. The rest…
Reconsider faux owning if you’ll sacrifice your savings A house is a luxury, and you do not need luxuries to experience success and fulfillment. Homeownership is often treated as proof that someone has “made it,” but that belief ignores context, timing, and individual financial reality. Success…
8 Lessons Some of the most questionable financial advice I have ever received came from people who were struggling financially themselves. Not bad people. Not unintelligent people. Just people whose money habits clearly were not working. Here are a few real examples of advice and…
No more playing games. Take Action Today! When the widow lamented to Elisha of her sad financial plight, fearing that a creditor would take her sons from her, Elisha did not sympathize with her in the way many people expect. Instead, he instructed her to…
You can’t avoid low days, but you can avoid shooting yourself in the foot. We all experience low points in our lives. There’s no escaping the highs and lows of life. We will be let down at times - even by the best people. What’s most important is…
Is this you?40% to 60% of Americans have $500 or less in savings. Pause on that. Really pause. That means a massive number of people are one small disruption away from stress. Not a catastrophe. Just life doing what life does. Things that should be annoying…
Two paths to explore. Let’s see which path you pick. My car lasted for a little over a decade. I happily drove it to the end of the moon, and then it finally said goodbye. What you do after your car breaks down is consequential because…
Everyone thought I was crazy. My bank account disagreed. In 2016, I rented a room from a family for $300 a month. I was earning close to six figures. I had no debt. No dependents. No reason I had to live that way. And people…
Here are the 6 steps you need to follow I’ve been here before, so not only can I relate to people living paycheck to paycheck and financially struggling, but I know the steps I’d take to escape the predicament. First, we are entirely responsible for…
Die With Zero is one of the few personal finance books that actually disrupts people who are doing everything right. I’m not talking about reckless spenders or people drowning in debt. Disciplined savers. Planners. Long-term thinkers. The ones who pride themselves on restraint. That’s why…
The decision that changed everything wasn’t a raise. It was refusing to upgrade. In 2016, my rent was $300. I was renting out a room from a family. And I was earning close to six figures at the time. Many people might hear that and wonder:…
People rarely think about theft in this way, but it happens quietly every day—especially in retail, food service, gyms, salons, and any workplace where employees are also customers. Your employer doesn’t have to dock your pay or short your hours to take money back from…
Do You Prioritize Long or Short-Term Outcomes? — Financial success looks different for you, me, and everyone else. It’s not always black and white. There are many different financial goals people want to meet. However, if you start talking to most people about financial success,…
Money gets calmer when it gets structured Money stays emotional until it’s structured. Most stress around money doesn’t come from lack of income. It comes from disorder. From not knowing where things are going. From reacting instead of deciding. From letting habits run the show…
Without Actually Being Broke — There’s a difference between being broke and looking broke. One is panic, stress, and survival mode. The other is a quiet aesthetic choice. People assume wealth announces itself. It doesn’t alwaus. Most of the time, it hides in plain sight — behind old…