Success in Personal Finance comes from four pillars: spend less than you make, have emergency savings, diverse investments, and rebalance.
Becoming Financially Independent is Hard but it should not be Complicated
Becoming financially independent takes discipline, determination, and a lot of hard work. Adding unnecessary complexity doesn't help.
How Reward Credit Cards Lead to Accidental Overspending
Using Reward Credit Cards for everyday purchases leads to overspending. Find out what happened when I switched to debit cards for 90 days.
Every Single Restaurant is a Luxury – And They Cost More Than You Think
Going to a restaurant is literally just paying someone to cook for you and do your dishes. Paying someone to do something for you is, by definition, luxury.
Fully Fund a Roth IRA Every Year and You Can Retire a Millionaire
Fully fund a Roth IRA every year, build a diverse portfolio, and you can become a millionaire in time for retirement. As long as you start early enough.
Ignore All Predictions: Investing, Economics, Weather, and Everything Else
Ignore economic forecasts. Instead: spend less than you make, have emergency savings, have diverse investments, rebalance regularly.
Cash-Flow is Your Most Powerful Wealth-Building Tool
Learn how positive cash flow can have the same impact on wealth-building as hundreds of thousands of invested dollars by creating Disposable Income.
How to use Conscious Spending to Free Yourself From Guilt
Find out how Conscious Spending removes guilt from buying the things that bring you joy, while simultaneously achieving your financial goals.
Three Steps to Survive an Income Crisis
When your income falls focus on three areas: 1) Maximize all income sources; 2) Minimize expenses to protect the four necessities; and, 3) Pile up as much savings as possible.
The First Thing You Should Buy After The Pandemic
The global Coronavirus (COVID-19) pandemic won't last forever. When it is over, the first thing you should buy is an emergency fund.