Success in Personal Finance comes from four pillars: spend less than you make, have emergency savings, diverse investments, and rebalance.
Becoming financially independent takes discipline, determination, and a lot of hard work. Adding unnecessary complexity doesn't help.
Using Reward Credit Cards for everyday purchases leads to overspending. Find out what happened when I switched to debit cards for 90 days.
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, build a diverse portfolio, and you can become a millionaire in time for retirement. As long as you start early enough.
Ignore economic forecasts. Instead: spend less than you make, have emergency savings, have diverse investments, rebalance regularly.
Learn how positive cash flow can have the same impact on wealth-building as hundreds of thousands of invested dollars by creating Disposable Income.
Find out how Conscious Spending removes guilt from buying the things that bring you joy, while simultaneously achieving your financial goals.
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 global Coronavirus (COVID-19) pandemic won't last forever. When it is over, the first thing you should buy is an emergency fund.