Tax advantages don’t protect you from structural risk — For a long time, retirement advice followed a clean script. Work. Contribute. Max it out. Let the market do its thing. That advice wasn’t stupid. It was contextual. It belonged to a period where inflation was…
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…
Your problem isn’t income, it’s this A vast population of people don’t avoid investing because they’re irresponsible. They avoid it because the math feels abstract. “Investing” sounds like something for people who already have money. Or time. Or confidence. Or a financial background. So they delay….
The #1 thing people forget after pulling the trigger My friend regrets buying the car they currently have, which is close to being repossessed. They’re not only facing repossession, they’re also facing imminent eviction. A few months back, I recommended getting rid of the car. Here’s…
It takes discipline, NOT a big salary. Ramsey Solutions conducted one of the most extensive surveys of millionaires with over 10,000 participants, and they found a few interesting facts: Raw Numbers Other Notable Mentions Millionaires are everyday people who decide to manage their money differently than most;…
Discipline shows up in flesh and numbers — You can lie with your words. You can perform with your presence. You can curate an image that sells the story you want people to believe. But there are two things that don’t play along with your narrative:…
Addressing warped views on personal real estate — What Is A Millionaire And Who Qualifies? About 1.5% percent of the population is classified as a millionaire, which means these folks have a liquidated positive net worth of 1 million dollars minus their debts and liabilities. Plenty…
#2: Your Spineless. You Don’t Know How to Say “No” — 1. You’re In The RED (Negative) Every Month Overspending. Over-leveraging. You’re constantly spending more money than you’re earning within a 30 day timeline. You’re in the red every month and you’re doing nothing to change…
Action 1 This is going to be really fucking hard for some of you…. Slash your expenses by 50%. In 2016, my rent was $300. I had a phone bill, a tiny car note, minimal car insurance. You get the picture. My overall bills were…
Chapter 1: Keep Your Car Keep Your Car 64% of people have owned their car for five years or less (The Zebra, 2024). But people, on average, keep their cars for about eight years, which is pretty damn good. However, we know most people want…
Who would have thunk that robo investing would deliver real returns over 10 years. Not many take robo investing seriously. It often looks stupid and less sophisticated to many Not me. I wasn’t out here thinking I was Warren Buffett or some finance genius. I…
When your car finally gives up on you that you’ve been riding for almost a decade it’s annoying, inconvenient, and it immediately forces you to make a decision that impacts your finances now and years from now. Whenever a car breaks down, people rush straight…
Did you know IF your money is parked in a bank account earning 0.01% interest, it would take you thousands of years to double it? Seven thousand years 😎 The math is catastrophically ludicrous and total shit. Banks love savers because they can take your…
Are you choosing poverty thought your daily actions? 1. Eating food that’s way past its expiration date 2. Eating food off the ground I shamelessly followed the 3–5 second rule for food that dropped on the ground. Aate old food in the fridge. I ate food…
Spending leaks sometimes rarely feel dramatic, but others are yelling the math straight at you in the face — a coffee here, a dinner out there, another round of drinks, a pack of cigarettes “just this once.” But if you’re tired of feeling behind financially, it’s time…