A 2023 survey conducted by Payroll.org found that 78% of Americans live paycheck to paycheck, a 6% increase from the year before. According to reporting by Forbes, this means more than three-quarters of people struggle to save or invest after covering monthly expenses. That number…
1. If you lost your job, would you panic? Let’s say you woke up tomorrow and lost your job. Would your initial reaction be panic or relief? Most people would immediately experience panic because they are, unfortunately, living paycheck to paycheck and above their means. I…
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….
It’s not about income; it’s about what you do when no one’s watching. I’ve noticed something about people who actually build wealth versus people who just talk about it. It’s rarely the income. I know people earning $200K who are broke. I know people who…
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….
Why the repair-or-replace debate is actually about something much bigger than your car — Your car dies. You panic. You start researching. Within 48 hours, you’ve made a decision that will either save you thousands or cost you a decade of financial progress. Most people think…
Then you’re working for FREE — Working in retail was one of the best experiences of my working history. I gained about two years of retail experience and was also introduced to the concept of minimum wage. You don’t make a lot of money in retail…
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…
Why Most People Never Get There — There’s a strange moment that happens when someone crosses their first real financial threshold. Not a paycheck. Not a raise. Not a good month. The first real accumulation. It doesn’t feel like celebration. It feels quieter than expected. Almost…
Stop making costly mistakes with your money and elevate your monetary outcomes — 1. Diversify your investment strategies Understand the difference between short-term, mid-term, and long-term investment strategies and how each does or doesn’t align with your financial goals. 2. Hedge your investments. If you own…
#2 Bank with multiple entities — 1. Always have cash on hand Let’s say you lose access to all of your accounts. If you have cash on hand, it doesn’t eliminate the significant inconvenience but can offer a little relief (even if only minor). 2. Bank with…
Always do your due diligence — Credit Card Troubles She knew nothing about credit, so she allowed her friend to guide her into applying for back-to-back credit cards until she finally got approved. Her next question was, “What do I do now?” She had a new…
Even if you make good money — Most people don’t stay broke because they’re reckless. They stay broke because they slowly drift into financial patterns that feel normal, responsible, even mature — but quietly work against them. There’s no dramatic moment where everything falls apart. No obvious financial…
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….