BoiledNotFried

Bogged Down by Task Switching? How to Get More Done Every Day, Even When There’s Too Much On Your Plate

Come on: we all think we’re multitasking geniuses. Maybe you’re reading emails while brainstorming, texting your friend while listening to a podcast, or scrolling through Instagram while you “work.” It looks like you’re doing it all. But the thing is — task switching is quietly undermining your productivity and turning you into a frazzled, overwhelmed mess. And […]

Bogged Down by Task Switching? How to Get More Done Every Day, Even When There’s Too Much On Your Plate Read More »

How I Stay Sane While Juggling a Full-Time FinTech Career, Part-Time MBA, Modeling, Blogging, Startup Advising, and More

Some mornings I wake up and say, I’ve got this, and other times ask, What am I doing? Balancing a full-time job in tech, part-time MBA at Stern, modeling, blogging, startup consulting, and social life at times feels like balancing on a tightrope and never knowing when I will fall off. But despite the chaotic

How I Stay Sane While Juggling a Full-Time FinTech Career, Part-Time MBA, Modeling, Blogging, Startup Advising, and More Read More »

When to Evaluate What’s Worth Doing: A Methodical Approach to Avoiding Life’s Pitfalls

It’s 2025, and we’re all running around with our hair on fire. Between work, family, social lives, and the occasional existential crisis, time is probably the most precious thing we have. And yet we waste it like we’ve got an unlimited supply of it — because let’s be honest, if we had a dollar for every time

When to Evaluate What’s Worth Doing: A Methodical Approach to Avoiding Life’s Pitfalls Read More »

How to be a Better Forecaster in Life, Work, and Money in 2025

Come on, let’s be real: never have we had forecasting more complicated than it is today. From climate mayhem, world politics being well, a bit of a hot mess, robots rising up (we’re looking at you, AI), to the financial rollercoaster that just never ends, how can we possibly predict anything anymore? Spoiler alert: You

How to be a Better Forecaster in Life, Work, and Money in 2025 Read More »

Is There a Perfect Time to Travel: Younger or Older, and How Much Is Too Much?

Travel is often touted as one of life’s greatest joys — an opportunity to explore new places, cultures, and experiences. From a quick weekend getaway to a long-haul trip abroad, travel has the potential to have a profoundly enriching, relaxing, and lifelong memorable impact upon the traveler. But in the midst of our hectic everyday lives, many

Is There a Perfect Time to Travel: Younger or Older, and How Much Is Too Much? Read More »

The New Athlete Craze: Breathing Techniques and Mental Health Coaches

In professional sports, the journey to peak performance has traditionally been seen as a combination of conditioning, diet, and technique. Recently, though, the dialogue has expanded to include two more critical but oftentimes overlooked factors: breathing and mental health. As players strive for that next level of performance, more mental health professionals and breathing coaches

The New Athlete Craze: Breathing Techniques and Mental Health Coaches Read More »

Why City Dwellers Rely on the Bank of Mom and Dad More Than You’d Think

Over the past several years, a new trend has emerged in how Americans finance their lives: more and more young adults, as well as even older age groups, are turning to the Bank of Mom and Dad for loans. This trend, once thought to be an aberration, has now gone mainstream, particularly among city dwellers.

Why City Dwellers Rely on the Bank of Mom and Dad More Than You’d Think Read More »

What Taking Risks in Your Career Really Means in Your Twenties vs. Thirties

We’ve all heard it before: “Take risks, and you’ll be rewarded.” But what does taking risks actually look like when it comes to your career, and how does it differ when you’re in your twenties compared to your thirties? Does the idea of risk change as you get older? And is it really worth it

What Taking Risks in Your Career Really Means in Your Twenties vs. Thirties Read More »

The Shocking Reality of New Developments and NYC Real Estate Prices

New York City, the city that never sleeps, is renowned for having extremely high apartment prices, fierce competition for space, and an active real estate market that never stops. But here’s the thing: though there are more than enough new luxury apartment high-rises going up around the city, Manhattan’s real estate market isn’t moving in

The Shocking Reality of New Developments and NYC Real Estate Prices Read More »

Stuck in the Startup Struggle: Wanting to Be an Entrepreneur but Feeling Stifled by a Lack of Ideas, Motivation & Everything in Between

We’ve all been there. You’re sitting at your desk, scrolling through social media, watching successful entrepreneurs sharing their success stories, and you think to yourself, “I could do that.” Maybe you’ve even had that little spark of inspiration that made you believe starting your own business is your destiny. But then
 nothing happens. You have

Stuck in the Startup Struggle: Wanting to Be an Entrepreneur but Feeling Stifled by a Lack of Ideas, Motivation & Everything in Between Read More »

How to Get Seen the Quiet Confident Way: Real Tactics to Land Opportunities You Aren’t “Qualified” For

Do you sometimes feel like you just aren’t getting noticed either at work or in your industry? Maybe you know you have got the skills, yet you don’t quite know how to make yourself stand out-mostly when you don’t have all the credentials and experience that people say you are supposed to need to land

How to Get Seen the Quiet Confident Way: Real Tactics to Land Opportunities You Aren’t “Qualified” For Read More »

Why Do Random Brands Blow Up? The Genius Behind Their Subtle Marketing Tactics

Ever notice how some brands just pop out of nowhere, then suddenly they’re everywhere? Like, one minute it’s just another Instagram account amidst the sea of ads, and the next, it’s that brand everyone is talking about. One of the interesting things about modern marketing is how a brand can go from being practically unknown

Why Do Random Brands Blow Up? The Genius Behind Their Subtle Marketing Tactics Read More »

The Massive Hidden Perks of Doing Graduate School Straight Out of Undergrad - and Why It’s So Common in Europe

The moment students complete their undergrad, the pressure is on: should they dive into a job, travel abroad, or just head straight into grad school? For many students in the United States, the feeling of having to continue their education right after undergrad can be daunting-almost unnecessary. Most find the aspect of diving into graduate

The Massive Hidden Perks of Doing Graduate School Straight Out of Undergrad - and Why It’s So Common in Europe Read More »

Feeling Stuck in Your Career? Here’s How to Level Up Even if You Feel “Average”

We all have those times when we feel stuck. You’re in your job and getting the job done, but things aren’t quite improving as you had hoped. You want to grow — move forward in your career, assume greater responsibilities, and become more prominent in your field — but there is this one huge obstacle:

Feeling Stuck in Your Career? Here’s How to Level Up Even if You Feel “Average” Read More »

When To Stop Renting? A Guide for Future Homebuyers

Most Gen Zers prefer renting, and for many, it’s not just a choice — it’s a necessity. Renting offers freedom, autonomy, and less responsibility. If you’re in college, starting your career, or thinking about relocating to different cities, renting makes sense. But as you get older and start planning for the future, you may begin to ask

When To Stop Renting? A Guide for Future Homebuyers Read More »

Should You Travel More or Save More and When? The Ultimate Gen Z Dilemma

Image by Unsplash As a Gen Zer, you likely understand the dilemma between living life in the moment and saving for the future. Travel provides you with your own experiences, memories, and stress relief. Saving for the future, though, such as purchasing a home, career investment, or an emergency fund, seems important too. So how

Should You Travel More or Save More and When? The Ultimate Gen Z Dilemma Read More »

Beyond the Game: The Future of AI in Sports

AI is transforming nearly every industry, and sports are no exception. From improving athletes’ performance to changing the way fans experience the game, AI is turning out to be a handy tool. But with the exciting potential of AI comes the responsibility of understanding its implications-particularly by investors looking to capitalize on the intersection of

Beyond the Game: The Future of AI in Sports Read More »

What Coffee Badging and Quiet Quitting Reveal About Today’s Workforce- and How to Fix It

Two popular trends in the workplace have emerged, hinting at some major shifts in the behaviors of today’s workforce, at least among younger generations. Though the terms, coffee badging and quiet quitting may sound like jargon, they point to more deeper-seated problems that are reshaping how people relate to their jobs and careers. Let us

What Coffee Badging and Quiet Quitting Reveal About Today’s Workforce- and How to Fix It Read More »

The Hard Truths and Lessons I Learned from Juggling 3+ Jobs Since 17 (and How to Handle It)

At some point in time, many of us have had to juggle more than one job at a time. Whether it be a full-time job and a side hustle, freelance gigs on top of a part-time role, or a blend of passion projects and work commitments, juggling multiple jobs has become a reality for many

The Hard Truths and Lessons I Learned from Juggling 3+ Jobs Since 17 (and How to Handle It) Read More »

The Best Places for Retail Investors to Tap into Alternative Investments in 2025

Over the last several years, the alternative investment space has been growing exponentially, offering retail investors unique possibilities for portfolio diversification and access to some markets previously only open to affluent investors. Whether it be art, farmland, real estate, or even pre-seed startups, there are now a number of platforms that let you in with

The Best Places for Retail Investors to Tap into Alternative Investments in 2025 Read More »

How I’ve Combatted the Need to be Liked and Excessive Worry

At some point in life, many of us find ourselves stuck in a pattern of seeking outside validation, striving to please others, and becoming obsessed with public opinion. Such a destructive process can slowly erode our mental well-being and self-confidence. I was no exception to this phenomenon. In the past, I was one of those

How I’ve Combatted the Need to be Liked and Excessive Worry Read More »

How to Deal with the Struggles of Living in a Big City to Enhance Your Life 10x - Without Spending Too Much or Wasting Time

In big cities, life comes at you like a wave, exciting, fast-paced, and full of opportunity. But it’s also easy to get overwhelmed by the noise, the crowds, the continuous motion, and the pressure to “keep up” with everyone else. From grueling commutes to tempting over-spending, it often seems as if the energy of the

How to Deal with the Struggles of Living in a Big City to Enhance Your Life 10x - Without Spending Too Much or Wasting Time Read More »

Ultimate Financial Hacks to Break Free from the Comparison Trap Once and For All (from a Former People-Pleaser)

Whether you’ve ever found yourself mindlessly scrolling through Instagram, watching as your friend posts the latest vacation pictures or a designer shopping haul and immediately feeling inadequate, you are not alone. The comparison trap is real, and with finances, it gets even more perilous. We are in a world where the success of everyone is

Ultimate Financial Hacks to Break Free from the Comparison Trap Once and For All (from a Former People-Pleaser) Read More »

How I Opened Doors, Got Featured in Publications & Got Noticed as a Fresh Grad with a Small Network and No Brand

Graduation from college can be a very exciting milestone but at the same time overwhelming. After all those years of learning, late nights studying, and internships, you’re finally done with school. Now, however, comes the hard part: figuring out how to break into the professional world and build your reputation. If you’re like many recent

How I Opened Doors, Got Featured in Publications & Got Noticed as a Fresh Grad with a Small Network and No Brand Read More »

How Billionaires Keep Their Taxes Low and Earnings Ridiculously High

Billionaires are usually defined by their extreme wealth, but most of their fortunes are not derived from their salaries. Most of their wealth comes from the ability to navigate complex economic structures that allow them to keep taxes low while continuing to amass significant income from their investments and businesses. While the majority of middle

How Billionaires Keep Their Taxes Low and Earnings Ridiculously High Read More »

Why Travel Should Be Considered a Luxury and Not Just a Hobby

In a world that’s constantly in motion, it’s so easy to think of travel as this simple hobby-a fun way to escape, explore, and recharge. But what if we told you that travel isn’t just about ticking destinations off some list? What if it could be something much more transformative-something that elevates your life in

Why Travel Should Be Considered a Luxury and Not Just a Hobby Read More »

The $6 Trillion Wellness Boom: How Holistic Health is Revolutionizing the Industry

The wellness industry is on fire-and it’s showing no signs of slowing down. A new report reveals that wellness has officially outdone the pharmaceutical and sports industries in value, now sitting at an astonishing $6.3 trillion. That’s a growth of 26% since 2019, according to the latest analysis from the Global Wellness Institute (GWI). This

The $6 Trillion Wellness Boom: How Holistic Health is Revolutionizing the Industry Read More »

The Massive Upsides to WFH and Flexibility Post-Grad: Why Gen Z Are Winning Big

Let’s face it: post-graduation life is not exactly that dreamy fairy tale sold in school. After years of following rigid schedules, acing exams, and living in that comfortably structured world of academia, it can feel like you’ve been thrown into the chaotic deep end. For many graduates, it’s the overwhelming transition-from dorm life to full-time

The Massive Upsides to WFH and Flexibility Post-Grad: Why Gen Z Are Winning Big Read More »

The Case for Never Feeling Enough & Stuck Despite Success

At one point or another in life, many of us have lived with the nagging feeling of never being enough or even being stuck. Be it the post-high school blues, college post-graduation blues, or an overwhelming uncertainty that accompanies job changes or phases of life, this feeling of being in a holding pattern can be

The Case for Never Feeling Enough & Stuck Despite Success Read More »

Quiet Confidence: How to Rise Up The Ranks Softly Without Being Loud

As an MBA student, I am surrounded by advice from people who seem to know just how to make those lasting impressions and climb the corporate ladder. In such a hyper-competitive world, juggling your role as your loudest cheerleader with being present for your team can be overwhelmingly daunting. A significant part of this challenge

Quiet Confidence: How to Rise Up The Ranks Softly Without Being Loud Read More »

Why Networking Feels Painful in Your Twenties & The Secret to Making It Work Without Ruining Your Social Battery

The very first thing that tends to come to mind when the word networking pops up relates to mere transactions and deals. While those may be the goals at the end of networking, there is certainly something much deeper involved. Networking became one of my core focuses this year with the beginning of the MBA

Why Networking Feels Painful in Your Twenties & The Secret to Making It Work Without Ruining Your Social Battery Read More »

Greece’s 6-Day Work Week: Why Greece is Going All-In and How the World is Reacting

Last month, Greece made headlines by introducing a 6-day work week for all businesses and citizens across the country. At first glance, the idea might seem counterintuitive: why would anyone agree to work an extra day, even if it means fewer hours each day? This policy has sparked debates not only within Greece but also

Greece’s 6-Day Work Week: Why Greece is Going All-In and How the World is Reacting Read More »

Why Spending Should Never Hurt & How to Make Every Purchase Work Instead

Our relationship with money often feels upside down. We pursue it believing it will unlock freedoms and opportunities we didn’t have before. While there’s some truth to this perception, more often than not, it’s simple an illusion we hold. Believe it or not, those who have reached an income of around $75–90k over time can

Why Spending Should Never Hurt & How to Make Every Purchase Work Instead Read More »

How to Make Real Connections & Secure Them Working Remotely Post-Grad

In today’s rapidly evolving work landscape, my generation and fellow recent grads are grappling with the nuances of hybrid work environments. Despite being adept with smartphones and having navigated Zoom-based education since we were little, the ease of sending quick messages to connect instead can sometimes undermine the challenge of building genuine connections face-to-face. Transitioning

How to Make Real Connections & Secure Them Working Remotely Post-Grad Read More »

Why the Wealthy Are Opting for Private Chefs Instead of Dining Out: When to Consider One

Eating out has long been synonymous with luxury, but for many, it’s becoming less about indulgence and more about practicality. Depending on where you live, dining out can be convenient or costly, but what remains a common concern is the healthiness of restaurant meals compared to home-cooked food. Over the years, dining out has not

Why the Wealthy Are Opting for Private Chefs Instead of Dining Out: When to Consider One Read More »

How to Dress to Impress Without Splurging & Sticking to the Basics

From a young age, I’ve had an interest in fashion and dressing well. I’ve always been a classic girlie sticking to simple attire rather than luxury goods. Despite my love for clothing, I’ve never been one to splurge on designer brands. However, I do admit to occasionally succumbing to the allure of affordable yet eye-catching

How to Dress to Impress Without Splurging & Sticking to the Basics Read More »

Why Wealthy People Don’t Wear Traditional Luxury Designers & Who The Real Buyers Are

As a Gen Zer, one of my favorite hidden passions is fashion and forecasting the latest trends. Just like in the equity markets, unpacking streetwear and consumer habits thrills me. Although I was late to the Succession train, something I distinctly noticed in the series which illustrates fashion today is the focus on quiet luxury

Why Wealthy People Don’t Wear Traditional Luxury Designers & Who The Real Buyers Are Read More »

The Case of Being The Average of the People We Are With & Who To Really Spend Your Time With To Rise

There’s a classic saying: “You are the average of the people you are with.”  Whether you believe this to be true or not, we all possess some qualities, traits, and skills that were influenced upon us by those we spend significant time with. This statement often rings true and is a big predictor of who

The Case of Being The Average of the People We Are With & Who To Really Spend Your Time With To Rise Read More »

Top Budgeting Tactics to Follow As A 23 Year Old in One of the Most Expensive Cities in the World

In the bustling streets of New York City, traditional budgeting advice such as the 50/30/20 rule often falls short. For the first time in history Gen Z and Millennials are finding themselves worse off than their parents were at their age, thanks to inflation, high interest rates, and the relentless cost of city living. Nowadays

Top Budgeting Tactics to Follow As A 23 Year Old in One of the Most Expensive Cities in the World Read More »

Why ‘Wasting’ Time Isn’t Real & What It Means in the Personal Finance World

We’ve all heard the saying “time is money”. While it might have become a clichĂ©, there’s a reason it’s so pervasive in our culture. However, obsessively trying to maximize every second for productivity can actually hinder our journey toward true fulfillment and wealth. The Myth of Wasting Time One popular piece of advice, which I’ve relied

Why ‘Wasting’ Time Isn’t Real & What It Means in the Personal Finance World Read More »

Unlocking Wealth: Why Personality Beats Book Smarts

When reflecting on our educational journey from grade school through college and beyond, it’s evident that much of our time is spent mastering core subjects and developing technical skills related to our desired fields. However, amidst the emphasis on textbook knowledge and technical proficiency, there’s a crucial aspect missing from traditional education: the cultivation of

Unlocking Wealth: Why Personality Beats Book Smarts Read More »

What I Learned From My First Semester of my MBA And Why I Pursued it Straight out of Undergrad

Having recently completed my first semester of my MBA at NYU Stern, I’d like to share a glimpse of my experience to help those who may be curious about the program and take this time to reflect myself.  As with many things in life, the hardest part is usually starting. If you’re embarking on any

What I Learned From My First Semester of my MBA And Why I Pursued it Straight out of Undergrad Read More »

How To Approach The Urges to Purchase Real Estate & What To Watch Out For

Even in the post-pandemic era, when office vacancy rates are still relatively high and foot traffic remains low in metro areas such as NY and LA, the decision to buy a property closer to work is typical. Recently, I spoke with a colleague who is relocating from Texas to New York for a job he’s

How To Approach The Urges to Purchase Real Estate & What To Watch Out For Read More »

How The Top 10% Compound Their Wealth & Mind: The Slow Yet Reliable Way

When envisioning attaining an above-average net worth, one might imagine years of hustle and grind, sacrificing freedom and enjoyment for a prosperous future.  We’ve all been there at some point. Giving our souls away in hopes of something easier later on. However, the notion of toiling away for 60 hours a week, feeling like you’re

How The Top 10% Compound Their Wealth & Mind: The Slow Yet Reliable Way Read More »

Roth, 401(k), SEP, IRA? Which One Is For You And Why Accounts with Maximums Offer A Major Advantage In Compounding Wealth

Setting financial goals and sticking to them is crucial for maintaining long-term financial success. Fintech platforms and various tools have made investing and saving incredibly easy. From automated withdrawals and contributions to seamless expense tracking and budget calculation, there’s never been a better time to become more financially literate and take control of your financial

Roth, 401(k), SEP, IRA? Which One Is For You And Why Accounts with Maximums Offer A Major Advantage In Compounding Wealth Read More »

What’s Driving Institutional Investors Over Retail Traders in 2024’s Market Rally

The recent surge in the broader markets over the past few weeks has evoked memories of the peak trading mania experienced during the lockdown days of the pandemic. Back in 2020–2021, it seemed like half of my generation (Gen Z) was learning how to invest for the first time. This trend was somewhat discouraging, as

What’s Driving Institutional Investors Over Retail Traders in 2024’s Market Rally Read More »

Why 529 Plans Don’t Cover A Major Expense For Students & How to Navigate These Costs Like A Business Owner According to A Former NYU Undergrad & Current MBA Student

The pursuit of higher education in the United States remains a cornerstone of the American dream, attracting millions of eager students worldwide in search of limitless opportunities and a brighter future. A degree is a prized asset that can never be replaced. However, the rising costs associated with obtaining a degree continue to outpace inflation,

Why 529 Plans Don’t Cover A Major Expense For Students & How to Navigate These Costs Like A Business Owner According to A Former NYU Undergrad & Current MBA Student Read More »

Unlocking the Hidden Skills of Top 1% Performers & What Many Don’t Consider

Being an amateur in any field can be a daunting prospect. It’s akin to being the new kid at school — simply terrifying. You’re thrust into an unfamiliar environment, feeling as though all eyes are on you, waiting for you to make a mistake. Anything new can evoke fear because it requires vulnerability. However, in the journey

Unlocking the Hidden Skills of Top 1% Performers & What Many Don’t Consider Read More »

How Setting A Strategic Risk Tolerance & Diversification Plan Can Compound Your Chances of Luck

Diversification is a crucial aspect of investing, and the timeless advice of not putting all your eggs into one basket remains a guiding principle for successful investors. Despite what day traders believe, diversification not only enhances your chances of returns over time but also contributes to maintaining mental sanity by preventing an obsession with market

How Setting A Strategic Risk Tolerance & Diversification Plan Can Compound Your Chances of Luck Read More »

Why Quiet Luxury Is The New Way of Living & The Forces Driving It

Embodying stealth wealth and maintaining a low profile might seem uncommon, especially for a 23-year-old part of a generation known for being fearless and vocal. However, unlike prior generations, Gen Z is remarkably comfortable discussing money and wearing less flashy more down-to-earth items to boost their mental, financial, and overall lifestyle. While there are stories

Why Quiet Luxury Is The New Way of Living & The Forces Driving It Read More »

Why Most Americans Are Cashless and How to Regain Control Of It Nowadays

When it comes to emergency savings, everyone’s approach differs based on two main risk factors: age and risk tolerance. However, achieving financial independence, freedom and general appreciation for life involves maintaining a substantial cash cushion for the unexpected and embracing a mindset that values it for its peace of mind. As a seasoned blogger in

Why Most Americans Are Cashless and How to Regain Control Of It Nowadays Read More »

What ‘Girl’ Math Entails & What To Follow Instead For Financial Freedom

We’ve all found ourselves in that familiar scenario: justifying a purchase we don’t truly need, for people we don’t particularly like, and acquiring something we don’t genuinely want but felt strangely compelled to get at the time. Perhaps it’s the allure of something being ‘hot’ or ‘in trend,’ the influence of YouTube, or the neighbor

What ‘Girl’ Math Entails & What To Follow Instead For Financial Freedom Read More »

Why Buying A Property Is the First Purchase Most Americans Make When a Large Windfall Hits & The Most Important Factor To Consider Before Signing

What’s often associated with achieving the American Dream and ‘making it’ in the United States is acquiring something and usually that something tends to be the largest purchase most Americans will make in their lives, their so-called dream home. With more space than you could ever imagine and a parking garage the size of your

Why Buying A Property Is the First Purchase Most Americans Make When a Large Windfall Hits & The Most Important Factor To Consider Before Signing Read More »

The Ultimate Way to Become More Comfortable Discussing Money to Boost All Aspects of Your Life Long-Term

Paradoxically, money has been an intricate yet uncomfortable subject of discussion embedded in every aspect of our lives for centuries. As with most things, the more familiar you become with it, the less intimidated you feel, resulting in smarter decisions that align with your own needs rather than the opinions of strangers online or even

The Ultimate Way to Become More Comfortable Discussing Money to Boost All Aspects of Your Life Long-Term Read More »

A Lucrative Side-Hustle Sprung From The Pandemic & How Buyers Are Feeling About It Nowadays

If there’s one thing I’m noticing more of across NYC over the past few years, it’s an abundance of furry friends! Since Manhattan is one of the loneliest places on earth, a dog as a best friend is needed more than ever. Although the Big Apple is a concrete jungle, ironically, it’s not designed for

A Lucrative Side-Hustle Sprung From The Pandemic & How Buyers Are Feeling About It Nowadays Read More »

Why States With No Income Tax Have Higher Hidden Costs That Most Don’t Budget For

The rush to save on taxes of all kind is no surprise to corporations and employees alike. According to CNBC, 57% of Americans didn’t pay federal income taxes in 2021. The shift to earning more tax-advantaged passive and investment income is a trend that is bound to stay. Source: Tax Foundation Hard-working Americans deserve to

Why States With No Income Tax Have Higher Hidden Costs That Most Don’t Budget For Read More »

Why Traveling During “Shoulder Seasons” Will Change Your Wallet, Portfolio & Life Forever

Back when I started college in the fall of 2019 and planned out my freshman schedule, I was stunned at how many breaks were on the calendar! I was both confused and elated like a kid on a snow day during the pre-Zoom era when they still existed. After evaluating all this time off, I’ve

Why Traveling During “Shoulder Seasons” Will Change Your Wallet, Portfolio & Life Forever Read More »

What’s Up With Second Mortgages, The Dangerous Craze Around Them, And The Preferred Borrower

Anytime I hear about fancy derivative products, packaged securities, or borrowing against equity, I picture the Great Financial Crisis of 08. Although I was only 8 at the time, 2020 was a sudden reminder of what it could’ve been like. Although the housing market today is much more structurally sound and resilient with safeguards put

What’s Up With Second Mortgages, The Dangerous Craze Around Them, And The Preferred Borrower Read More »

Why The Average Mortgage Down Payment Is Only 6% And What’s Next For Crunched First-Time Homebuyers

In America, there’s no better feeling of economic security and establishing roots than when you’ve fully paid off your property and finally own something tangible no one can claim as theirs.  No bank or neighbor. It’s in your name. This usually comes in the form of owning some kind of real estate, commercial, multi-family, or

Why The Average Mortgage Down Payment Is Only 6% And What’s Next For Crunched First-Time Homebuyers Read More »

Why Over 30% of Gen Z Are Surprisingly Seeking A Financial Advisor & How They Can Actually Afford One?

Right before the pandemic hit, my generation, many of whom were either graduating HS or starting college at the time, found investing to be boring or not necessary at that point in life. We had more important things to do like plan trips, head to the movies, or focus on homework. Investing was for adults!

Why Over 30% of Gen Z Are Surprisingly Seeking A Financial Advisor & How They Can Actually Afford One? Read More »

How Climate Change Impacts Investors & Certain Homeowners In Unexpected Ways

No matter where you are in the world, you don’t have to look far to see the worsening impact of climate change right in your backyard.  If there’s one thing to remember for the foreseeable future, it’s that mother nature will always win. Just like fighting the Fed won’t serve your portfolio well, nor will

How Climate Change Impacts Investors & Certain Homeowners In Unexpected Ways Read More »

The Ideal Length of Time To Feel The Real Benefits of Vacation & My Own Winter Break Experiment

When it comes to vacation, many of us in this hyper-connected digitalized workaholic age have trouble unplugging or at least temporarily doing nothing for a minute.  Even 30 seconds is tough to wait on the curb for the cross walk signal! This is clearly a problem my generation is facing! At least I don’t text

The Ideal Length of Time To Feel The Real Benefits of Vacation & My Own Winter Break Experiment Read More »

How Real & Reliable Is The January, September Effect, and Santa Clause Rally?

Two straight years of double-digit negative returns aren’t unheard of however pretty rare given the U.S. economy, corporations, and consumers alike have gained tremendous economic and financial strength since the outbreak of the pandemic.  Millions of Americans state they are in the best financial position of their lives thanks to aggressive savings rates, massive monetary

How Real & Reliable Is The January, September Effect, and Santa Clause Rally? Read More »

How The Average US Household Has 9-12 Monthly Subscriptions & How To Cut It Down For Real In The New Year

One of the greatest misbeliefs the youngest generation holds is believing the grass is greener on the other side. This mentality is only getting worse due to the plethora of subscriptions out there. From pet supplies to groceries, you name it, there’s a subscription for it! Surprisingly, they may actually make your life more difficult

How The Average US Household Has 9-12 Monthly Subscriptions & How To Cut It Down For Real In The New Year Read More »

The Worst Financial Habits Americans Confess To & How To Stop It Once and For All

It may be difficult to teach a dog new tricks but not impossible if they’re up for the challenge! The beauty about us animals and mammals is that if we are willing to change due to tough circumstances, we will find a way!  If there’s a will, there’s certainly a way! Although savings rates have

The Worst Financial Habits Americans Confess To & How To Stop It Once and For All Read More »

Social Security Benefits Are Set To Rise in 2023 While Retirees Are Still Unretiring?

Inflation doesn’t seem to hurt that bad especially when free money is on the table but you must wait for your presents until the new year!  The longer you wait to take it down a notch, the more gains you get to reap! Clearly, Americans’ shopping sprees and savings rates since the lockdown haven’t been

Social Security Benefits Are Set To Rise in 2023 While Retirees Are Still Unretiring? Read More »

Seek Rejection, Failure, and Embarrassment To Attain True Compounded Wealth For Life

As the great Wayne Gretzky pronounced, “You miss 100% of the shots you don’t take”. If you never attempt to try, you’re sadly guaranteed to lose. The good thing is, we regret the things we don’t do more than the things we did so go ahead and see what you’re capable of! No one will

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Why Inflation Fuels These 2 Investments The Most & How To Get In On The Action Before It’s Too Late

If rampant inflation for the past year has told us anything, its that consumers are flush with cash and ready to spend like it’s 1999!  Even though I was born in the dot-com era of 2000, I’m sure it was as wild especially since Black Friday, lockdowns, and online shopping weren’t around back then.  The

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The Unexpected Economic Boost The World Cup Winner Desperately Needs

Once every 4 years, Americans, including myself, get excited about soccer, or football, and pretend we know all about it.  To be honest, I find it’s easier to follow than American football. Over the past few weeks since the tournament kicked off, I’ve seen more watch parties than actual holiday gatherings hosted in bars and

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The Most Valuable Presents for Investors This Christmas: Low Gas Prices & Santa Clause Rally!

It seems every year I say the same old adage that always rings true! It’s been another historic unprecedented year for the history books and well, this year was certainly no exception!  The markets are fascinating for endless reasons but the uncertainty, ambiguity, and unpredictability of it all truly thrills me! No day is ever

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Will History’s Strongest Leading Recessionary Indicator Prove Itself Again In 2023?

Historically, every 8 to 10 years a recession tends to hit the U.S. economy, and one notable indicator has come to proceed each one for the past 40+ years; a steep treasury yield curve inversion. Today is no exception and with months-long looming Fed-induced recession fears across the street, strategists are pontificating if the economy

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Why Layoffs in Big Tech To Banking Won’t Induce a Recession

It’s been a hard year on various fronts, particularly for employees in certain industries and businesses as they grapple with record 75 bp rate hikes for months now which makes everything more expensive across the board.  Fortunately, the Fed won’t hike forever, and hopefully, sooner than later they can engineer a soft landing and launch

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Why Americans Really Work The Longest on Thursdays

It’s no surprise Friday is arguably everyone’s favorite day of the week and by Sunday, many get the blues.  It seems like most are just living for the weekend.  Can they ever catch a break? Clearly, this trend and sentiment reveal a lot about how workers view their lives and the massive epidemic of burnout

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Why ‘Survival of the Friendliest’ Prevails & What The Most Charismatic People on Earth Learn From Dogs

If there’s one thing we cannot master in a crash course or 2-day boot camp it’s developing an amicable, easy-going personality, and stellar EQ. These are skills that take patience and consistency, but the real test is through real-world practice only a handful are willing to face. You can read all the books in the

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The Real Reasons Why The Wealthiest, Most Glamorous, and Famous Couples Divorce & How Some Resolve It

There’s no shortage of the world’s wealthiest, most glamorous people that are lonely and always looking for someone new. At the end of the day, money in the bank account and attractiveness may boost opportunities in the short-term but don’t go as far as we may believe. Until you get to the stage where you

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One of the Most Opportune Ways to Lower Your Tax Bill Before the Year Runs Out

As we head into the final stretch of the year, taxes are already on millions of Americans’ minds. In fact, the day after tax season is over, it’s never too early to begin filing for the following year. It’s arguably the most important duty an American citizen must keep tabs on. Whether you’re a self-employed

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The Most Valuable Lessons I’ve Learned as a 21-Yr-Old That Have Helped Me Become A Personal Finance Connoisseur, Entrepreneur, Leader, Innovator, and Down-to-Earth Personable Human

As a senior in college, I’ve always prioritized learning outside of the classroom to gain hands-on experience and had the opportunity to work at incredible places across various industries. I’m incredibly grateful for the chance to explore innovative and transformative settings, especially in the Big Apple. I’m certainly not an expert in anything, most likely

The Most Valuable Lessons I’ve Learned as a 21-Yr-Old That Have Helped Me Become A Personal Finance Connoisseur, Entrepreneur, Leader, Innovator, and Down-to-Earth Personable Human Read More »

Why People Over 50 Are Turning To Roommates & What’s Leading The Trend

As a college student in NYC, surprisingly, I’ve never really had a roommate before but always wanted to try it! I kinda did in sleep-away camp but it didn’t feel real since rent wasn’t on our minds during summers in middle school. Since freshman year, Zoom school plunged us into remote learning, and ever since

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Why The Number of First-Time Homebuyers Is Tanking By Double Digits & What It’ll Take To Turn It Around

With soaring mortgage rates surpassing 7% for the 30-yr fixed, first-time home buyers are getting squeezed to the brim, delaying their chance to finally put down roots.  Although it may be frustrating to not be able to own a place outright in your name year after year, we must not forget to count our blessings.

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The Do’s and Don’ts of Combining Finances with Your Partner To Ensure Ultimate Success

Once you’ve set all other boundaries and unspoken rules with your partner, when it comes to finances, they must be crystal clear to ensure financial freedom, independence, and peace of mind for the both of you down the road. Whether you’re someone who is open and honest about finances or hesitant about spilling the tea,

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A Breakdown of the Hefty $220bn Cost Behind The 2022 World Cup

As a soccer, or shall I say, football fan, I’m more excited than ever before to watch the FIFA World Cup! Events like this are only held every 4 years so they must be celebrated with a festive spirit, especially at this time of the year around the holidays! Time really flies by. 4 years

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Why Older Entrepreneurs Are Statistically More Successful, Happy, Healthy, and Wealthier

When you think of the coolest, wildest, and once most inspirational people on earth, possibly chasing the top ranks, who comes or maybe came to mind, if still around after 2022’s market chaos and collapse? Perhaps, Sam Bankman Fried, Elizabeth Homes, Elon Musk, or Mark Zuckerberg? The cool twenty-somethings who may have dropped out, started

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The Real Reason Behind The Surge In Median Income to Purchase a Starter Home & How To Work Around It

As a 21 yr old, it’s hard to imagine that the average home price when I was born in 2000 was close to $100k and the median income was slightly above $50k. Today, these figures have now jumped by almost 2 fold to $88,300 in estimated annual income needed to purchase a home. This is

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Exactly How Much Commuters vs. Remote Workers Spend & How To Save It

To no surprise, even after almost 3 years since the pandemic upended our lives, ancient commuters are now trickling back into offices as industries across the board from finance to tech hail workers back for at least 2–3 days a week.  As a Gen Z student, intern, entrepreneur, and lifelong New Yorker, I’ve found this

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How The Trendy Yet Reliable Financial Habit of Cash-Stuffing Really Works

As a personal finance blogger, it’s only fair to look at both sides of the coin and unpack the good and ugly of managing finances to hopefully make your lives easier in the long run! One major downside to living in the 21st century technology-driven fast-paced ‘get rich quick scheme’ retail trading booming age is

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Why Winter Is The Ultimate Time To Scoop Up Real Estate Deals For Both Sides

For every market, there’s always a season that favors buyers more than sellers and vice versa.  Being able to accurately time the markets over time is what earns the real rewards. When it comes to real estate, market timing tends to be more predictable than the equity markets due to overall less volatility, more lag,

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The Election’s True Impact On The Stock Market & How The Price of Gas Sways It All

With Nov 8th’s midterm elections right around the corner, investors are anxiously awaiting results across the board. From October’s inflationary report set to be released this week on Nov 10th to the Fed’s anticipated round of a 50 bps hike in early December down from 75 bps in early November, we must assess the real

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Why $1.25M is The New Recommended Retirement Savings Target & How To Realistically Get There

With rampant inflation not calming down anytime soon and the level of revenge spending going on at levels never before seen since 1999 during the dotcom bubble when investors poured billions into cheap penny tech stocks before the burst, Americans are now predicting retirement to become even more expensive than ever before, with an estimated

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The Most Ideal Cities For Remote Work & Why Workers Crave Them

A handful of us during the lockdown days of the pandemic became homebodies and binge-watchers while for the ambitious types, their businesses recorded their strongest annual results ever, got into the best shape of their lives, and squeezed in every possible Peloton ride to not waste any precious time at home.  Such an overachiever! As

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Why Everyone Wants to BYOB (Be Your Own Boss) Until…

Being youthful and gainfully self-employed is one of the most popular and efficient trends that has emerged out of the pandemic and is here to stay for the foreseeable future. With an emphasis on building one’s defensible MOAT and generating recurring cash flow during tougher economic times to strengthen the top and bottom line, there’s

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Why Inflation Is Hottest in the South and How Southerners Are Dealing with the Heat

What’s hotter than eating hot Cheetos in the summer in the Sun Belt?  Rampant inflation! It’s hard to cool down here!  Unlike in other parts of the country which have seen on average ~40yr high inflation according to September’s disappointing CPI report, the South has been hit hard not only by brutal hurricanes with strong

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Why The Fading ‘Zombie Apocalypse’ in the Public Markets Can Be Beneficial And What It Actually Means To Your Portfolio

When cheap borrowing is prevalent, unicorns, leprechauns, and coincidentally zombies start arising, just in time for it all to crash and burn! WELCOME TO THE CLASSIC FAIRYTALE. Spoiler alert, they never exist!  That’s actually good news since it means bad times never last forever either!  As a reference, bear markets on average last a year. 

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​​Why and When Do People Feel Dangerously Lucky and The Best/Worst Time To Purchase A Lottery Ticket

The economy can reveal a great deal about where the not-so-distant consumer sentiment trends are headed and how thick Americans’ wallets really are. Since the real estate market lags behind the broader stock market universe by a couple of months, economic indicators are a useful guide to detecting where supply/demand levels will end up for

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Where Do People Work The Longest & Possibly Hardest in the U.S. And Where You Stand As A Hard-Working Individual

Anyone who reads this or any personal finance content out there is most likely already in the top 20%+ earners in the U.S., let alone the globe. In this world of abundance and ‘not enough(ness)’, paradox of choice is a dillema. There are far too many unhealthy, so-called ‘worse’ options on our screens to the

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The Least Affordable Housing Markets in the U.S. And How To Actually Live Comfortably In Them

With rising mortgage rates reaching highs near 7% not seen since the Great Financial Crisis and loan applications plummeting to a decade low, this is an advantageous time for cashed-up first-time homebuyers looking to scoop up a deal in this muted frenzied frothy market and to be able to finally lock in a deal before

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What The Most Crowded & Used Spaces In Our Homes Reveal About The Real Estate Market and What It Says About Your Unique Property

Real estate is a non-fungible physical tangible scarce asset. The beauty about real estate is that although it requires a substantial amount of capital and time upfront, down the line, it is made for those who are more risk-averse (not risk-takers) and generates an unexpected inflationary-proof return if you’re patient enough. What’s ironic is that

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The Frightening Reasons Why 21% of Millennial and Gen Z Investors Have Shut Down Their Brokerage Accounts in 2022 And What It Means For Their Future

If there’s one universal life lesson everyone should know of before embarking on a new adventure IRL (in real life) or through their handy dandy brokerage account, it’s that the good times sadly DO NOT last forever. On a more positive note, the bad times don’t last forever either! Thankfully, all pain is temporary and

The Frightening Reasons Why 21% of Millennial and Gen Z Investors Have Shut Down Their Brokerage Accounts in 2022 And What It Means For Their Future Read More »