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Destiny S. Harris

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Destiny S. Harris
  • Habits | Uncategorized

    Never Take Advice From Broke People

    ByDestiny S. Harris

    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…

  • Habits

    Stop Feeling Sorry About Your Sh*tty Financial Situation.

    ByDestiny S. Harris

    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…

  • Investing

    There’s Nothing Sexy About Long-Term Investing!

    ByDestiny S. Harris

    Take heed There are infinite ways to build wealth, and when you find the right one, you can accelerate your rate of return exponentially. The challenge is that the best opportunities are not always obvious at the beginning. Before wealth accelerates, you have to find…

  • Debt

    If You Can Only Afford Your New iPhone With Installments, Why Are You In That Long-Ass Apple Line, Bro?

    ByDestiny S. Harris

    Get out of that line if your money ain’t looking right. First, let’s apply some basic logic when it comes to financing a phone. Many people finance their phones because the offer comes with 0% interest. On paper, that can be a smart move. Why pay…

  • Habits

    6 Dangerous Financial Habits To Avoid When You Feel Like Sh*t

    ByDestiny S. Harris

    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…

  • Habits

    40% to 60% Of Americans Have $500 or Less in Savings!

    ByDestiny S. Harris

    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…

  • Investing

    Investing $10/Day Makes You Wealthier Than 90%

    ByDestiny S. Harris

    A small but mighty numberOver three-quarters of Americans struggle to save or invest after paying their monthly expenses (Source: Forbes). That number is heavy. Not shocking, but heavy. It should make you stop for a moment and really think about what everyday life looks like for…

  • Articles | Debt | Finance

    Is Your Car Payment Destroying Your Net Worth?

    ByDestiny S. Harris

    This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → The answer isn’t always yes. Here’s how to know if yours is a problem. The first group…

  • Articles | Finance | Investing

    The People Who Build Wealth and Stay Fit Have the Same 5 Habits

    ByDestiny S. Harris

    This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized. Join the Newsletter → I’ve been investing since I was 14. I’ve been working out since I was 11. At some…

  • Finance

    What The Wealthy Do With Their First $100K & The Middle Class Skips

    ByDestiny S. Harris

    The milestone isn’t the accomplishment. What you do next is. Hitting $100,000 in net worth feels like a finish line. You’ve been grinding. Saving. Investing. Watching the numbers crawl upward month after month. And then one day, you check your accounts and there it is — six figures….

  • Habits

    What’s the Best Move After Your Car Breaks Down

    ByDestiny S. Harris

    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…

  • Finance

    Your Finances Can’t Improve with Your Current Level of Thinking

    ByDestiny S. Harris

    Seven ideas worth exploring “Let’s say you are struggling financially. It could be stress about retiring, stress about your next bill, fear of losing your job, or anything else. What can you do to fix this? Einstein made the answer so simple when he said:…

  • Investing

    Diamond Hands (CAN) Beat Volatility Decay

    ByDestiny S. Harris

    A study of one person (me) who held TQQQ through a 75% crash like a psychopath Abstract Conventional financial wisdom states that leveraged ETFs like TQQQ are not suitable for long-term holding due to volatility decay. This paper presents a groundbreaking counter-argument: what if you…

  • Investing

    My $156,000 Mistake

    ByDestiny S. Harris

    How I lost $156,000 to a robo-advisor I did everything right. At least, that’s what I thought. At 26 years old, I decided to randomly open two accounts, one with a robo-advisor and another with private equity just to try it out. It seemed like…

  • Investing

    How I Lost $5,000 Doing Options on AT&T

    ByDestiny S. Harris

    5 things you need to know before you start trading options I lost $5,000 trading options on AT&T. And honestly? I deserved to lose it because I had no idea what I was doing. Today I’m gonna break down what options actually are — in the simplest way…

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© 2026 Destiny S. Harris. All content is for educational purposes only and does not constitute financial, legal, or medical advice. This site may use affiliate links and earn commissions at no extra cost to you. Your data is never sold or shared. See full Policies

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