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 »
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 »
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
In the increasingly noisy world of budgeting hacks and all other forms of financial advice, thereâs this new concept making a bubble: loud budgeting. This nascent trend, unfolding through the courtesy of TikTok and CNBC, is all about clarity and being up-front regarding your priorities and financial goals. Loud budgeting is quite a far cry
Loud Budgeting: A New Trend in Money Management Read More »
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 »
Our relationship with money often feels upside down. We pursue it believing it will unlock freedoms and opportunities we didnât have before. While thereâs some truth to this perception, more often than not, itâs simple an illusion we hold. Believe it or not, those who have reached an income of around $75â90k over time can
Why Spending Should Never Hurt & How to Make Every Purchase Work Instead Read More »
In todayâs 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 »
Eating out has long been synonymous with luxury, but for many, itâs 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
From a young age, Iâve had an interest in fashion and dressing well. Iâve always been a classic girlie sticking to simple attire rather than luxury goods. Despite my love for clothing, Iâve 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 »
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 »
Thereâs a classic saying: âYou are the average of the people you are with.â 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
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
Weâve all heard the saying âtime is moneyâ. While it might have become a clichĂ©, thereâs a reason itâs 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 Iâve relied
Why ‘Wasting’ Time Isn’t Real & What It Means in the Personal Finance World Read More »
When reflecting on our educational journey from grade school through college and beyond, itâs 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, thereâs a crucial aspect missing from traditional education: the cultivation of
Unlocking Wealth: Why Personality Beats Book Smarts Read More »
Having recently completed my first semester of my MBA at NYU Stern, Iâd 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 youâre embarking on any
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 heâs
How To Approach The Urges to Purchase Real Estate & What To Watch Out For Read More »
When envisioning attaining an above-average net worth, one might imagine years of hustle and grind, sacrificing freedom and enjoyment for a prosperous future. Weâve 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 youâre
How The Top 10% Compound Their Wealth & Mind: The Slow Yet Reliable Way Read More »
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, thereâs never been a better time to become more financially literate and take control of your financial
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 2020â2021, 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 »
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,
Being an amateur in any field can be a daunting prospect. Itâs akin to being the new kid at schoolâââsimply terrifying. Youâre 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 »
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
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 »
When it comes to emergency savings, everyoneâs 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 »
Weâve all found ourselves in that familiar scenario: justifying a purchase we donât truly need, for people we donât particularly like, and acquiring something we donât genuinely want but felt strangely compelled to get at the time. Perhaps itâs the allure of something being âhotâ or âin trend,â the influence of YouTube, or the neighbor
What ‘Girl’ Math Entails & What To Follow Instead For Financial Freedom Read More »
Whatâs often associated with achieving the American Dream and âmaking itâ 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
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
If thereâs one thing Iâm noticing more of across NYC over the past few years, itâs 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, itâs not designed for
The rush to save on taxes of all kind is no surprise to corporations and employees alike. According to CNBC, 57% of Americans didnât 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 »
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, Iâve
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 couldâve been like. Although the housing market today is much more structurally sound and resilient with safeguards put
In America, thereâs no better feeling of economic security and establishing roots than when youâve fully paid off your property and finally own something tangible no one can claim as theirs. No bank or neighbor. Itâs in your name. This usually comes in the form of owning some kind of real estate, commercial, multi-family, or
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!
No matter where you are in the world, you donât have to look far to see the worsening impact of climate change right in your backyard. If thereâs one thing to remember for the foreseeable future, itâs that mother nature will always win. Just like fighting the Fed wonât serve your portfolio well, nor will
How Climate Change Impacts Investors & Certain Homeowners In Unexpected Ways Read More »
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 donât text
Two straight years of double-digit negative returns arenât 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 »
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, thereâs a subscription for it! Surprisingly, they may actually make your life more difficult
It may be difficult to teach a dog new tricks but not impossible if theyâre 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 thereâs a will, thereâs certainly a way! Although savings rates have
The Worst Financial Habits Americans Confess To & How To Stop It Once and For All Read More »
Inflation doesnât 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, Americansâ shopping sprees and savings rates since the lockdown havenât been
Social Security Benefits Are Set To Rise in 2023 While Retirees Are Still Unretiring? Read More »
As the great Wayne Gretzky pronounced, âYou miss 100% of the shots you donât takeâ. If you never attempt to try, youâre sadly guaranteed to lose. The good thing is, we regret the things we donât do more than the things we did so go ahead and see what youâre capable of! No one will
Seek Rejection, Failure, and Embarrassment To Attain True Compounded Wealth For Life Read More »
If rampant inflation for the past year has told us anything, its that consumers are flush with cash and ready to spend like itâs 1999! Even though I was born in the dot-com era of 2000, Iâm sure it was as wild especially since Black Friday, lockdowns, and online shopping werenât around back then. The
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 itâs easier to follow than American football. Over the past few weeks since the tournament kicked off, Iâve seen more watch parties than actual holiday gatherings hosted in bars and
The Unexpected Economic Boost The World Cup Winner Desperately Needs Read More »
It seems every year I say the same old adage that always rings true! Itâs 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
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
Will Historyâs Strongest Leading Recessionary Indicator Prove Itself Again In 2023? Read More »
Itâs 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 wonât hike forever, and hopefully, sooner than later they can engineer a soft landing and launch
Why Layoffs in Big Tech To Banking Won’t Induce a Recession Read More »
Itâs no surprise Friday is arguably everyoneâs 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
Why Americans Really Work The Longest on Thursdays Read More »
If thereâs one thing we cannot master in a crash course or 2-day boot camp itâs 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
Thereâs no shortage of the worldâs 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 donât go as far as we may believe. Until you get to the stage where you
As we head into the final stretch of the year, taxes are already on millions of Americansâ minds. In fact, the day after tax season is over, itâs never too early to begin filing for the following year. Itâs arguably the most important duty an American citizen must keep tabs on. Whether youâre a self-employed
One of the Most Opportune Ways to Lower Your Tax Bill Before the Year Runs Out Read More »
As a senior in college, Iâve always prioritized learning outside of the classroom to gain hands-on experience and had the opportunity to work at incredible places across various industries. Iâm incredibly grateful for the chance to explore innovative and transformative settings, especially in the Big Apple. Iâm certainly not an expert in anything, most likely
As a college student in NYC, surprisingly, Iâve never really had a roommate before but always wanted to try it! I kinda did in sleep-away camp but it didnât feel real since rent wasnât on our minds during summers in middle school. Since freshman year, Zoom school plunged us into remote learning, and ever since
Why People Over 50 Are Turning To Roommates & What’s Leading The Trend Read More »
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.
Once youâve 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 youâre someone who is open and honest about finances or hesitant about spilling the tea,
As a soccer, or shall I say, football fan, Iâm 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
A Breakdown of the Hefty $220bn Cost Behind The 2022 World Cup Read More »
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 2022âs 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
As a 21 yr old, itâs 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
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 2â3 days a week. As a Gen Z student, intern, entrepreneur, and lifelong New Yorker, Iâve found this
Exactly How Much Commuters vs. Remote Workers Spend & How To Save It Read More »
As a personal finance blogger, itâs 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 âget rich quick schemeâ retail trading booming age is
How The Trendy Yet Reliable Financial Habit of Cash-Stuffing Really Works Read More »
For every market, thereâs 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,
Why Winter Is The Ultimate Time To Scoop Up Real Estate Deals For Both Sides Read More »
With Nov 8thâs midterm elections right around the corner, investors are anxiously awaiting results across the board. From Octoberâs inflationary report set to be released this week on Nov 10th to the Fedâs anticipated round of a 50 bps hike in early December down from 75 bps in early November, we must assess the real
The Election’s True Impact On The Stock Market & How The Price of Gas Sways It All Read More »
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
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
The Most Ideal Cities For Remote Work & Why Workers Crave Them Read More »
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 oneâs defensible MOAT and generating recurring cash flow during tougher economic times to strengthen the top and bottom line, thereâs
Why Everyone Wants to BYOB (Be Your Own Boss) Until… Read More »
Thereâs nothing more frightening than seeing your favorite staple goods such as Tootsie Rolls or Snickers go up in price over time, especially when they set the foundation for spooky traditions that never seem to go out of style. For better or for worse, we all need some sweet treats in our lives. Health =
Beware of the Most Terrifying Costs to Halloween This Year Read More »
Whatâs hotter than eating hot Cheetos in the summer in the Sun Belt? Rampant inflation! Itâs hard to cool down here! Unlike in other parts of the country which have seen on average ~40yr high inflation according to Septemberâs disappointing CPI report, the South has been hit hard not only by brutal hurricanes with strong
Why Inflation Is Hottest in the South and How Southerners Are Dealing with the Heat Read More »
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! Thatâs actually good news since it means bad times never last forever either! As a reference, bear markets on average last a year.Â
The economy can reveal a great deal about where the not-so-distant consumer sentiment trends are headed and how thick Americansâ 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
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 ânot enough(ness)â, paradox of choice is a dillema. There are far too many unhealthy, so-called âworseâ options on our screens to the
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
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 youâre patient enough. Whatâs ironic is that
If thereâs 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, itâs that the good times sadly DO NOT last forever. On a more positive note, the bad times donât last forever either! Thankfully, all pain is temporary and
What are private markets? Given risky assets and bond prices have plummeted due to soaring inflation and higher rates enduring one of the worst starts to the year on record since the Great Financial Crisis, hereâs a refreshing guide to non-traditional investments and a whole new inflationary-proof world of investing that has become officially democratized for
The Royal Family has always been of fascination and now with Englandâs economy in jeopardy due to soaring inflation and a declining pound, this is a fantasy no one wants to live through, even British taxpayers themselves. Given my frugal minimalist lifestyle and complication with an abundance of streaming giants, I never came across the
As an investor and consumer in this hyper-competitive fast-paced inflated world, the easiest choice is to stay complacent and do nothing. After all, if you do nothing, no one will ever say anything, however, is that a choice your future self will be proud of down the line? I didnât think so. As a result,
How Higher Rates Could Pay Off Your Wallet and Waistline Read More »
The old lousy adage, âThe rich get richer, as the poorer get poorer â may not be the case anymore. Welcome to 2022, where âthe richer get eaten, as the poor get snackinâ, for now⊠With the top 1%âs billionaires shedding a collective $50 billion+ this year alone due to the marketâs sell-off, crypto plunging,
As the Fed prepares to have its FOMC meeting on the 21st-22nd of Sept and is expected to raise the FFR by a historic 75â100 bps to curb rampant 40-yr high inflation, spending, and borrowing, we must wonder if this delayed hawkish move and additional rate hike will really be able to engineer a soft
Why The Economy Is A Complete Paradox And How To Make Sense of It Read More »
Hereâs a question, what if you could invest in actual real assets, such as people instead of a cash burning company cast as an attractive idea in a frothy speculative market? I believe the most attractive thing about anyone is their confidence, charisma, and EQ. Although looks certainly matter and boost oneâs likeability and success
The New Hot Business of Investing In People Rather Than Startups Read More »
Although Augustâs CPI index went the opposite direction with a gain of 0.1% rather than with an expectation of a drop of 0.1%, at least higher rate hikes now entail thereâs more of an incentive to safeguard our assets, earn a stable guaranteed rate of return, and keep our emergency savings better protected to weather
Why The September Effect Won’t Happen This Year & What To Expect Instead Read More »
When the beach house isnât enough and the commute sucks, heading South for top-income earners not only for winter break is a no-brainer. However for those who will have to welcome them year-round now, almost everything from food to gas skyrockets, evictions and delinquencies rise, and current homeowners are priced out, all due to the
A basic rule of U.S. income tax is that a business pays tax on its net income and an individual pays tax on their gross income. Any business takes its revenueâââexpenses, and pays tax on the difference (net income) while business expenses are tax-deductible on any investment, appreciable or not. While an individual takes their
When it comes to commodities, they are hotter than ever before. Being able to own any natural good, whether in shares or physically is an inflationary-proof way to lock-in gains overtime. What is even better is owning real land through either real estate or farmland for recurring dividend-paying cash flow. From the Saudis in the
If youâre looking for any deal at the supermarket nowadays, chicken wings may be your go-to. Theyâve hit their lowest price since 2018 and are the ultimate brain food for prudent investors. As with every bull market, the only downside is that these rare deals on protein wonât last long so devour them while you
Although carrying any type of debt is worse than not owing anything, in this high inflationary environment, paying off debt shouldnât feel as painful. Given inflation eats up our purchasing power, the quicker you can pay off your dues and refinance today, the easier your life will be tomorrow. Historically speaking, although it may not
How and Why U.S. Household Debt Surpassed $16T And How To Lower It ASAP Read More »
With home affordability levels not seen this low since â89 according to the WSJ, many potential homebuyers have been priced out of the market since the home buying spree of 2020 and there seems to be little room in sight for negotiation. Luckily, with higher mortgage rates comes a cooling of inventory and supply, alleviating
Whatâs the point of making money if it cannot provide a better life? Sometimes what we own, owns us. Striking the right balance between becoming obsessive versus pragmatic about what you need to live a decent life is as important as knowing how and where to spend. It may be hard to believe but there
Spending Money Should Feel Good. It Should Be A Reward for Your Hard Work Read More »
With only 10% of the nation feeling positive about the economy and consumer sentiment at a record low, although thereâs always something to complain about, as savvy investors, we cannot let loss aversion get the best of us! Training ourselves to weigh our wins more than our losses will serve us far better in the
How To Use Inflation To Your Advantage And What Type of Debt It Can Work For Read More »
No matter what the haters say, cash will forever be king. Although thereâs a bull market somewhere, it might feel impossible to spot so buckle up and stash that cash before itâs too late. Luckily with Julyâs CPI reading lower than expected at 8.5% due to lower gas and food prices, there are hopeful signs
Why Adopting a Cash Diet Is Essential Read More »
Despite fears of a recession hovering around 40% as of August 2022, the Fed, Washington, and Wall Street donât seem to want to acknowledge any signs of it and they may not need to! Luckily at the moment thereâs not much evidence of the economy faltering or consumers falling behind given the job market is
In life to work, we all try to play to our strengths to achieve some result and not be miserable. More or less we know what we are good at or dislike so we make our lives easier by focusing on what we can do not what we canât. Sometimes our weaknesses cannot be avoided
Why Wealthy Single People Tend to Have Worse Money Habits Than Those Who Are Married Read More »
Without tying yourself to a specific class or income bracket, itâs important to appreciate where you are now and already how far youâve come. If youâre paying your dues to Uncle Sam, although it may be frustrating to hear how much billion-dollar corporations hide their money in tax shelters in the Bahamas to avoid paying
Why The Middle Class Is Evolving & Where It’s Headed Read More »
Real estate has always been one of my all-time favorite asset classes for a handful of reasons and to no surprise itâs one of the top performing investments year to date thanks to 41-year high inflation! If you want to follow the top 1% or above, the best holding period for real estate would be
With Most Investments Except For One, The More You Own, The More It Owns You Read More »
Having a helping hand, someone to lean on or talk to at any moment on speed dial is the most comforting feeling. Knowing that any question you may ask will never be considered dumb is a relief. Being able to openly talk with someone about anything, even with highly sensitive personal topics most notably personal
Why Living the Single Life Can Be More Expensive Over Time Read More »
Before generating any passive income through physical real estate you plan on maintaining and treating as your appreciating child for the next few years, it is recommended to first understand what the property you plan on earning a considerable amount of income from involves. As a shareholder, no matter how many shares of Tesla you
Why Living In Your Future Rental Property Is Most Lucrative Before Renting It Out Read More »
As a lifelong New Yorker, NYU student, resident, and employee of the city, at age 21, Iâve made my way across the whole island dozens of times at this point and have unpacked every nook and cranny there is to know about this vibrant overpriced place. And it never gets old. If thereâs a trend
With Manhattan median rents officially topping $4k, Iâm shocked to hear one of the most expensive cities in the US, pricier than what one would bargain per sqft for in Manhattan, is seeing its rents shockingly decline to lower levels than when Covid first hit in 1Q 2020. With income levels averaging $150k+ per individual
How and Why San Franciscoâs Rents Are Lower Today Than In March 2020 Read More »
With newly minted public crypto unicorns laying off a good chunk of their staff to various coins plunging to more than half of their value since last summer, this over-leveraged correlated asset class should expect a bumpy or possibly unseen road ahead. When working at a startup, itâs best to keep one eye open at
What Crypto Winter Entails & How Average Millionaires Really Feel About the Crash Read More »
Although high-end luxury sales in the Hamptons to Beverly Hills have started to plateau for the first time since the pandemic began as eager buyers scooped in early to capture outdoor space and room for a WFH set-up, rents are soaring in 24 and 18-hour cities across the nation. Vacancy rates are lower than pre-pandemic
How and Why NYC Rent Has Averaged $4k Per Month Only Two Years After Prices Plummeted Read More »
Thereâs no such thing as a perfect bank account or body. I know people who were happy without much and were/maybe still are miserable with too much. We donât chase things, we chase the feeling we hope they (never really do) possess. Shift your purpose to change your life. Itâs all relative and up to
Health Is Certified Wealth And How the Wealthy Follow This Principle Best Read More »
As a newly minted landlord for over 2+ years now, I can confidently say it still feels like a full-time job. Naturally, as a female, I gravitate towards putting othersâ needs first before my own which leads me to be a control freak when it comes to my precious real estate. After all, it is
According to CNBC and Statista, 57% of Americans didnât pay federal income tax in 2021. Initially, you may be thinking that number sounds inaccurate given the lack of business acumen and financial logic Americans have; however when you evaluate the breakdown of the variety of income sources available today, the immense opportunities out there in
