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 one’s defensible MOAT and generating recurring cash flow during tougher economic times to strengthen the top and bottom line, there’s
Why Everyone Wants to BYOB (Be Your Own Boss) Until… Read More »
There’s 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 »
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
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! That’s actually good news since it means bad times never last forever either! As a reference, bear markets on average last a year.
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
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
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 you’re patient enough. What’s ironic is that
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
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, here’s 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 England’s 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 didn’t think so. As a result,
How Higher Rates Could Pay Off Your Wallet and Waistline Read More »
The old lousy adage, “The rich get richer, as the poorer get poorer “ may not be the case anymore. Welcome to 2022, where “the richer get eaten, as the poor get snackin”, for now… With the top 1%’s billionaires shedding a collective $50 billion+ this year alone due to the market’s 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 75–100 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 »
Here’s 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 one’s likeability and success
The New Hot Business of Investing In People Rather Than Startups Read More »
Although August’s 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 there’s 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 isn’t 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 revenue — expenses, 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 you’re looking for any deal at the supermarket nowadays, chicken wings may be your go-to. They’ve 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 won’t 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 shouldn’t 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 ’89 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
What’s 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 there’s 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 there’s a bull market somewhere, it might feel impossible to spot so buckle up and stash that cash before it’s too late. Luckily with July’s 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 don’t seem to want to acknowledge any signs of it and they may not need to! Luckily at the moment there’s 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 can’t. 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, it’s important to appreciate where you are now and already how far you’ve come. If you’re 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 it’s 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
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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, I’ve 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 there’s a trend
With Manhattan median rents officially topping $4k, I’m 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 Francisco’s 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, it’s 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 »
There’s 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 don’t chase things, we chase the feeling we hope they (never really do) possess. Shift your purpose to change your life. It’s 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 others’ 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 didn’t 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
Well folks, clearly Americans are splurging like it’s 1999 or like never before as savings rates are back to marginal levels hanging on for dear life. If there’s one thing Americans are good at, it’s exuding FOMO and living on the edge! Planning for the future seems to be impossible for the majority of Americans
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2022 college graduates are searching for something beyond a career. They are looking for a realistic and balanced lifestyle that they can count on and most importantly, last through. You can either work to live or live to work. I know for a fact with my love for food, I live to eat so it
What The Most In-Demand College Graduates Really Want This Year Read More »
Unlike any other activity, one of the most ironic things about investing is that no matter how much experience you may have, whether it be as a past stellar hedge fund manager or a top-rated portfolio manager in Florida with an unbelievable track record, the market doesn’t care. Every day is a new day in
The Most Logical Reason & Time To Work With A Financial Advisor Read More »
Although I’m a student and prefer in-person engagement, WFH is favorable for almost everyone in some capacity. Without it, I wouldn’t be here writing for the past 2 years! My urge for working in the comfort of my home on the couch may not be as great as for a working professional who is on
What We Can Learn From The Most Overworked & Balanced Cities Across The Globe Read More »
Unlike older generations, young Gen Z adults and investors, including myself have never witnessed a true bear market and in fact, have been conflating brains with a bull market since mid-2020! Since the brief correction of ~35% from February to March 2020, it was hard NOT to lose money on virtually any asset, profitable or
📉The Crash and Burn of Retail Traders & Where They Are Headed Next Read More »
With ballooning asset prices and record valuations for all kinds of real estate since the start of the pandemic, home prices have skyrocketed to unforeseen levels pricing out well-established eager buyers. Through peak and trough, this superior asset class is hailed as one of the safest investments of all time, especially in this tanking market.
Over 8% of U.S. Homes Are Now Worth More Than $1M Read More »
With more wealth comes stability, opportunity, peace of mind, and a unique type of security. What doesn’t come included in the package are healthier relationships, stronger physical or emotional health, a better mindset, or any ounce of love that something shiny is supposed to bring but we all know fades the next day. Happiness is
Why 79% Of Americans Still Have A False Mindset About True Wealth Read More »
Sometimes the slowest way is the fastest. Allowing breathing room for your investments to grow is designed to work for you, not defeat you. After all, in life, time is the best healer and sooner or later, any downturn from the past will be erased. Even though the current drastic sell-off in the market can
💸Why Doing Nothing Can Yield You More Than You Could Imagine Read More »
With thicker bonuses and inflation at a 40-year high, lifestyle inflation creep is hotter than ever. No matter how correlated the wage-price spiral may appear, demand is out of control and most Americans cannot survive like this. Although higher wages are still ticking up, I wonder how high they will go until headwinds from all
🛍How and Why 42% of Six-Figure Earners Live Paycheck to Paycheck Read More »
There’s no one size fits all approach to anything in life. Yin and Yang clearly don’t match! Nothing is permanent in life either. Pain and pleasure are temporary. From health to career-wise, especially while engaging in both remote and in-person work, these reminders have helped me in various aspects of my life. With over 70%
😎True Health, Happiness, and Economic Security Between Office Workers vs. Self-Employed Read More »
Funding your retirement nest egg will most likely be the most expensive and serious decision of your life. And it CANNOT start the night before. It reminds me of a high-stakes competition. All your life you are building up to this moment to then see how long you can live off of your hard-earned sweat
👩👩👧👧Retirement Plans By Generation Read More »
Those reading are NOT typical Americans. You are taking charge of your financial health and because of that, hopefully, your savings rates, investment balance, and annual income have grown exponentially since the pandemic. Not to mention double-digit home growth in several hot spots. Now you deserve to revenge spend a little and at this moment
After living on earth for 21 years as a relatively sticky consumer, I’ve realized that people chase goods not because they provide immediate happiness. They purchase something because they expect to receive a certain feeling from acquiring it, not from the goods themselves. Yes, there’s a distinction and it took me a few years into
🛍The Real Reason People Consume in Excess And What They Are Really Chasing Read More »
Retirement – a time to do absolutely nothing or splurge on anything you’ve always wanted to may not be so fun after all especially as costs eat into purchasing power more than ever before. With virtually everything costing almost 9% more than a year ago, except Jack Dorsey’s first Tweet, some retirees are so desperate
The Real Reason Behind Reverse Retiring And What We Can Learn From Athletes Who Tried It Read More »
When you think of the most ideal tax-advantageous strategies to legally pay the least amount in taxes, without spending hundreds of thousands of hours and trust money on lawyers, accountants, tax attorneys, etc., owning any kind of business will forever be a top contender and make your life easier when it comes to tax season.
👩👩👧👦The Hidden Genius Tax Strategy of “Buy, Borrow, And Die” Anyone Can Follow Read More »
Real protective insurance isn’t just sold in a complex package by an agent or provider to protect your belongings and loved ones. It also includes those that aren’t the beneficiaries or heirs of your plan. Social isolation and loneliness have hit staggering rates and quadrupled during the pandemic. Angst, anxiety, crime, and concern are prevalent
🔐The Ultimate Priceless Insurance Everyone Needs More Of Read More »
For better or for worse. You sell yourself every day. You can choose to look at the negative or still enjoy the cloudy day. The quality of your mind is your life. Isn’t that so powerful? We can be our worst critics or loudest cheerleaders. A few years ago when I first heard the powerful
✏️Life Is In Fact A Sale Read More »
When I first unpacked my bags at college almost 3 years ago now, I learned about the scarcity versus abundance mindset right in front of my eyes. Although I’ve lived in the Big Apple all my life, downtown in college I learned firsthand there’s really no one size fits all approach to anything. During the
🤑Why An Abundance Mindset Will Save Your Life Read More »
This is by far the best skill you can learn in business school. If it’s taught… There’s still a handful of invaluable advice that is missed in B-school and in the institutionalized education system in general. From networking to financial literacy, experimentation to trial and error, basic life skills are forgotten yet if there’s one
🤩Why Business Must Be Personal To Be Influential And Remembered Forever Read More »
What a surprise! After all this time bickering and obsessing over every nook and cranny of Twitter, last Monday Elon has finally become the largest shareholder of his favorite social media platform! It’s pretty impressive to see billionaires spend so much time on social media and still get 10x more done than the average person.
🐣What We Can All Learn From Elon’s 9.2% Passive to Active Stake in Twitter Read More »
2021 was a banner year. All sorts of records were closed. Did you close any? Whichever way, I thought so. After the market’s brief ~35% correction from Feb to March 2020, stocks, or shall I say, stonks (memified version) blasted to the moon! In terms of economic growth last year, growth hasn’t been this stellar
🛒Why Slower Economic Growth During These Times Is Healthy Read More »
I’m a capitalist and generally believe well-functioning efficient markets do in fact improve lives. I’m also a Gen Zer and a work-in-progress so don’t @ me. Climbing the socioeconomic ladder is a fruitful goal as long as the motive is other than creating capital in a self-serving way. Anyways, past a certain household income of
🤑When The Price Increases, Is It More Desirable Even with a Bad After-Cost? Read More »
As the cost of higher education continues to balloon each year rising above inflation, the mantra, ‘learn to earn’ stands out. For millions of incoming freshman and continuing graduates, it is becoming harder to see the system as a place of opportunity and talent and instead where the wealthiest through legacy admissions are admitted. Higher
✏️According to a New Study, How and Why Managers with MBAs Earn, Sell, And Produce Less Read More »
In my neck of the woods, paying what you can or possibly what you feel like is an attractive new business model that is getting all the rage. Unfortunately, as of now, it is currently only offered at the local barbershop but seems to slowly expand as there is incredible demand. As of now, this
💸How The Pay What You Can Model Sells Read More »
A genuine rich life doesn’t have to cost a lot. Oftentimes the cost isn’t monetary anyway. Anytime you cut corners and slip into the easy short-term instant gratification comfortable route, you must expect less in the end. Life rewards those who are willing to do whatever it takes. The best investment will always be in
🤑Why Going For The Cheapest Will Turn Out To Be Very Expensive Read More »
The 4-hour workweek sounds attractive but is it realistic to be able to survive and live off of? If it isn’t, it will be more painful and anxiety inducing, defeating the whole point of working less. Instead, strive to work smarter not harder for ultimate results. Many high-achievers and world-class performers only work roughly 5
💻How This Company Crushed Sales & Works 4 Days a Week Fully Remote Across the Globe Read More »
Believe it or not, not everyone is David Dobrik or even younger, Emma Chamberlain or Charlie D’Amelio, who earn millions from social media, YouTube, and various one-hit-wonder ventures that directly came out of a following. Success begets success. You only need to get it right once to catapult yourself but to sustain it requires an
😶🌫️Most Millennials Are Not In Fact Millionaires Read More »
Luckily real estate is one of the few sectors that benefits from rising rate hikes. As rents rise, home prices ride along the wave of inflation offering utility acting as a hedge. Plus mortgage rates are influenced by the 10-yr Treasury bond yield so the Fed’s rate-hike cycle won’t have a drastic effect. In this
🏡The Secret to Knowing Exactly When To Buy vs Rent Read More »
This month the U.S. Michigan Consumer Sentiment Report found Americans are the most stressed in 11 years. Last week, The American Psychological Association reported the results of their Stress in America survey indicating worries around Russia’s invasion of Ukraine and uncertainty with inflation are most alarming. This is a tumultuous time in the markets, especially
😬Why Generalized Anxiety is More Prevalent in Wealthier Nations and Seen as a Luxury Read More »
My rule of thumb is to never have more than 20% of your capital or net worth in 1 investment or asset class. If you do, expect to become toast. Eventually. Just like there should never be a need for someone to pressure you to spend money, there should be absolutely no reason, no matter
🔐How To Get A Perfect Balance of Exposure Into Crypto Without Getting Into Crypto Read More »
Never thought that not having enough hours to work would be a problem but here we are! Although 4 hour work weeks seem nice, they can get boring quick if you’re unwilling to become uncomfortable and grow additional passive income streams. My fellow colleagues in college are facing a good problem. They have too many
🤑How and Why Young Workers Are Getting The Greatest Wage Gains Ever Read More »
Nearly half of the U.S. population was impacted by identity and financial fraud last year. This is nearly all of the unbanked-~5.4% or 7 million households and millions from various social classes, particularly the top 20%. Don’t even get me started on crypto fraud. With no gatekeeper, it is the Wild Web, or more like
You would think if you study economics, you would want to go into well, economics or behavioral psychology, become an economics teacher, work on Wall Street, a behavioral scientist, or perhaps be the host of Freakonomics radio. Somewhat related to what you spent a quarter of a million dollars for and 4 precious years grinding
🏫Why 94% of College Graduates Don’t Pursue Their Major After Graduation Read More »
40% of homes in the U.S. are selling above asking price, rents are through the roof in coastal cities, and offices are slowly filling up. This all comes to show that this is certainly not a buyers market. A balanced market is considered to have around six months of supply. Although we’ve been hovering in
🏡Why Homeowners Can’t And Shouldn’t Always Leave -How Mobility Has Stagnated Read More »
Those who are least protected with fewer assets need to tackle their financial means more seriously. These are the people who cannot afford to wait. On the other hand, those who spend hundreds of thousands on lawyers, accountants, services, consultants, fiduciaries, and supervisors don’t have nearly as much pressure yet still prioritize this seemingly boring
💸Why Estate Planning Is For Everyone, Especially The Less Wealthy You Are Read More »
I know a lot of people who are rich, not wealthy. You see them all the time on TV. The media moguls, the people you look up to, see in crypto $7m Super Bowl ads, and most obvious, those all around you indebted to impress strangers. Your income to expense ratio reveals your true balance
🎭When We Feel Less Than, We Buy More Than Read More »
Don’t edible spoons, chopsticks, plates, bowls, and cups sound delicious, better than the actual meal? The full-fledged edible-packaging revolution aimed at reducing single-use containers and plastic waste is here to stay! (A peaceful one) If we can’t stop eating, at least we shouldn’t waste our pastic utensils and cutlery no more! I never thought I
😋How The Edible Revolution of Utensils To Furniture Has Become Delicious Read More »
The greatest and most frustrating thing about investing is that no matter how stellar your past track record and financial performance may have been yesterday, it is irrelevant today. Taming your ego, eliminating emotions from decisions, not believing you are smarter than the market, the art of letting go, and resisting the urge to not
🙃Why Past Performance Isn’t Indicative of Future Results In The Markets and In Life Read More »
During a low-interest-rate environment and high inflationary times, capital preservation assets such as cash and liquid securities do poorly since they end up having negative real interest rates. Despite the poor purchasing power, this is also an opportune time to pay off debt faster and lock in an attractive mortgage rate before they inch higher.
🏷How to Deal with Inflation In the Easiest Way Possible Read More »
Even if they own one or a dozen, doesn’t mean they can control it for long. Soon enough they will be asking for something. I heard something the other day that initially shocked me then I stopped, thought about it, and realized how true it must be. Believe it or not, or go ahead and
🏝Why Billionaires Cannot Survive Longer Than Anyone Else Stranded On An Island Read More »
When Covid hit in March 2020, Manhattan elites and Upper East and West side city dwellers drove the exodus out of NY and fled to their Great Gatsby mansions in Long Island and hammocks in Long Beach. If you can’t get away from property and state taxes, at least find a better view! Now they
🏘Why The Top .001%+ Is Obsessed With This Town A Few Miles North of NYC Read More »
If you’re a homeowner, you savor inflation and higher interest rates. For this reason, homeowners on average are wealthier than renters. Although real estate correlates to the broader market and can be as volatile as any other asset class in the short-term, in the long-term, it is seen as an inflationary proof, stable passive income
🌇NYC’s Epic Comeback – Will It Last? Read More »
Here are two life savers to always keep in mind: Remember that nothing lasts forever and the only person you should be dependent on is yourself. Eventually we all learn these two truth bombs the hard way, usually when we need to get out of our own mess. That’s why things happen for us not
I hadn’t heard of the concept of financialization prior to last semester when I enrolled in the course, “The Political Economy of Financialized Life”. To be frank, crypto, stable coins, dogecoin, meme stocks, GameStop, Black Berry, yes, Musk, and NFTs weren’t part of my lexicon either since last year. The sign of the times in
🧮Financialization, Web 3.0 & DeFi’s Push Read More »
The number one thing people will never complain about is that they could use more money. The number one thing people will never complain about or blame when they have too much money is money. The obvious reason for attaining more is fewer problems and more bliss yet behind the vast amount tends to be
Yes, this old adage still rings true. Even in a period of rising interest rates, hyperinflation, constant uncertainty, and don’t even get me started with January’s swings in the market, there’s still no need to panic buy or sell for that matter. Resisting pain puts investors into a dirty trap they cannot dig out of.
🛍If You Can’t Buy It Twice, You Can’t Buy It Once Read More »
I consider myself imperfectly imperfect. I will always be a work-in-progress and prioritize investing in myself daily. I know a decent amount about a lot as opposed to a lot about a little. As an open-minded generalist, not a close-minded specialist, this serves me well in life, keeping me agile, and authentically me. The most
🎟How Following Opportunity, Unfollowing Passion, And Being Useless Can Get You Farther Read More »
As creatures, we always strive to look our best. It shows respect, dedication, and effort. First impressions do matter and to an extent, others’ opinions are crucial. There’s nothing wrong with it until it drags down the balance sheet and we find we are living for strangers or 99% of our unknown followers. After two
👘Why People Are Obsessed with Luxuries & The Ideal Solution For It Read More »
One of the greatest things about investing is that no matter your prior experience, track record, performance, or stellar on-the-ball predictions, everything can and most likely will go out the window in the future. It won’t matter. The markets aren’t a formula or have 1 solution. They are unpredictable. As investors, we all sign up
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We are all guilty of it. We buy things simply because others have it, not because we need nor really want it. Life feels like a comparison game sometimes. A never ending cycle where we are competing against each other running in place. Consume a Peloton for that experience. Guilty as charged. Instead of ruminating
👗Can Conspicuous Consumption Be Healthy For Society? Read More »
Hear me out. I know what you are thinking. I thought the same thing. How could you say experiences are less worthy than a boring box of cereal or a meaningless TV? Hold your horses. Be careful what you take for granted. Keep in mind the difference between pleasures and tools. One is remembered and
🧸Why Acquiring Tangibles May Be Better Than Experiences Read More »
HENRYs (High-Earners but Not Rich Yet) remind me of the poor rich and famous. They are prime examples since they spend to impress people (fans) they don’t know with money they don’t have. Welcome to the club. It’s NEVER free of charge. If you have some time to kill and decide to do a brief
🗣Why HENRYs (High-Earners, Not Rich Yet) Are Slowing But Still Everywhere These Days Read More »
Although the slow expensive route of higher ed has become increasingly debatable during times of realignment and remote work, it is still a top consideration for a fruitful and comfortable life down the road. The main and usually driving concern for most is the cost, specifically opportunity cost. Although women are overall more risk-averse (conservative)
At the start of the year, we are bombarded with self-help. It sells really well. The top two resolutions throughout time have been to become fitter and wealthier. The best investment is in ourselves. Every person on Earth could improve upon something yet buying the books, attending classes, purchasing the equipment, and following the meal
🛠Self-Help Sells Too Well Read More »
Prior to the pandemic, I had been experimenting with this question for a few years until remote work became the norm and my hypothesis flipped on its head! If you are provided the luxury to skip out on the commute, ~30 min Sweetgreen lunch line, and WFH all day, every day instead, you don’t have
🔑More Often Than Not, It Takes Money to Make Money Read More »
A little more than 2 years ago, remote work seemed impossible for several industries. Zoom was unheard of and TikTok wasn’t ticking and taking up too much of our precious time. Prior to the pandemic, 1 in 75 businesses offered a remote option. Now it’s 1 in 7 businesses. Once Covid hit in March 2020,
👩💻The Mental Money Spent & Remarkable Savings of Remote Work Read More »
Although I am a Gen-Zer born in 2000, I’m not that young to forget the classic revolutionary BlackBerry! Since the dawn of the touchscreen interface revolutionized by Apple with the first iPhone launched in 2007, BlackBerry soon lost its purpose and functionality but its mogo, style, and popularity have always stayed cool. In fact, the
🤳The Demise of BlackBerry & Where It’s Headed Next Read More »
For the first time, the cost of higher education is rising above inflation at roughly 2–3% each year. With December’s inflation report at 7%, the highest in nearly 40 years since 1982, every financial decision must be weighed at a higher cost. As a student attending a private university in one of the most expensive
📚Why Colleges Are Seeing Their Lowest Dropout and Admission Rates In Decades Read More »
Vaccinations are our only true cure towards normalcy. Otherwise, we’ll be pedaling on our Pelotons for years getting nowhere. With everything still in limbo with record case counts and the new consideration of flurona, covid + flu, nothing seems certain anymore. Deja vu back to 2020 — just not on Wall Street. It’s been too good of
🏋️♀️The Fittest Market. How Strong Is It? Read More »
The start of the year is always inundated with predictions of all sorts and fortune-telling. I’m tired of resolutions. Why don’t we make intentions and realistic small yet mighty goals instead? Since the stock market is uncontrollable, it’s pointless to try to predict everything. Instead, let’s plan for it! Fortune-telling seems pretty fitting since investing
💹📊2022 Insiders & Fun Investment Observations Read More »
