Pre-buy comfort. Set yourself up to never invest again. Much of the research claims you should have at least one year’s salary saved by 30. Okay, but why? Well, here’s what I took away from the advice: When you save up a substantial amount in your…
Most investors get average returns. That’s not an accident — it’s the predictable outcome of putting money into things you don’t understand and hoping the market does the rest. Hope is not a strategy. Neither is following what everyone else is doing. If you want…
Your wealth isn’t being stolen. It’s leaking out in amounts too small to notice and too consistent to survive. Think about yesterday. Specifically, think about what you spent money on that you’ve already forgotten. Maybe it was a coffee and a breakfast sandwich. Maybe it…
Before I walk you through this, I want to be clear about something. This isn’t an argument against homeownership. It’s an argument against making one of the largest financial decisions of your life without knowing the actual number. Nobody tells you the actual number. What…
I maxed out my 401k every year until it didn’t fit my strategy. I always spent less than I earned. My debt never exceeded my net worth. Every time I had money, investing came first — before the lifestyle upgrade, before the convenience, before whatever…
Dave Ramsey has helped a lot of people stop doing dumb things with money. That alone deserves respect. If you’re buried in credit card debt, stressed, disorganized, and living on financial fumes, the Baby Steps can pull you out of chaos. They’re simple. They’re strict….
When skipping investing is genius — and when it’s just reckless Alex Hormozi and Leila Hormozi didn’t get rich by dollar-cost averaging into index funds in their 20s. They built businesses. Aggressively. Obsessively. For years. The payoff was massive enough that traditional investing barely mattered….
I recently analyzed two hypothetical investors who started with the same salary and same goals in 2016. Investor A was SMART. Read investment newsletters, followed market analysts on Twitter, waited for “the right moment” to buy, and moved money around constantly trying to optimize returns….
Here’s what I would do if I had to start all over again and what I’m doing now — 1. Live below my means One of the biggest ways to create wealth is to live below your means. This is the foundation for any type of wealth….
Your House Doesn’t Make You A Millionaire — 1% of the world population qualifies as millionaires. A millionaire has a liquid positive net worth of 1 million dollars minus their debts and liabilities. So unless you net millions of dollars after selling and paying off…
Here’s How To Find Out You might think someone is wealthy if they earn a million dollars or six figures. According to Robert T. Kiyosaki, this isn’t true wealth. The average person would find this salary a good stinking deal. Robert challenges you to rethink…
#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 5, part 4: Invest like someone is threatening your life if you don’t save money — 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…
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…