#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…
Most people don’t have a money problem. They have a comfort-zone problem. And that comfort zone shapes their financial reality more than any salary, job, economy, or “cost of living” ever will. People love saying things like: “That’s too expensive.” “How much does that cost?”…
Stop repeating the same patterns that are destroying your net worth. You might not realize it, but a lot of people are straight-up addicted to being broke. Not because they want to struggle. Not because they enjoy financial stress. But because the behaviors that keep…
Most people aren’t struggling because life is unfair. They’re struggling because their habits are undisciplined, their standards are low, and their money decisions are emotional. Wealth is not complicated. It’s not confusing. And it’s not mystical. It’s rules. Follow them and you build freedom. Ignore…
Everyone says they want freedom. Few are actually building it. There are many hidden gifts of investing many miss. They talk about wanting peace, security, and control — but they spend every paycheck and call it survival. You can’t save your way to wealth.You can…
If your financial situation isn’t improving, the problem isn’t just your income, or your job, or even your budget. The problem lies in how you think. And in this piece, we will explore the 7 pivots you must make to radically shift your financial life….
1. Live Above Your Means The fastest way to stay broke is to live like you make more than you do. Most people have no idea where their money goes because they never track it—they just swipe, tap, and hope there’s something left. The only…
At least not yet. A previous unmarried partner once asked me to co-sign a car loan. My first thought? F*ck that, bro. I knew instantly that it wasn’t just about the car — it was about the way they moved with money. Their relationship with finances was…