📈Money Moves

The ideal investments offer sizable adjustable return and scalable impact. Only caveat: They rarely exist. These days investors are pouring more money into ESG (environmentally social governance) funds striving to leave a mark on their investments believing in funds that eliminate fossil fuels, combat climate change and promote diversity yet these managers selfishly expect a

The best way to learn and get better at something is by following in the footsteps of those who’ve walked the walk. Yet most copy not apply. No matter how meticulously a novice golfer follows Tiger’s path from birth to PGA champion, they still wouldn’t be where Tiger’s at. Not even close. It’s impossible. Even

Two decades on earth has taught and tested me more than anticipated yet I’m truly grateful for every experience I’ve been offered, rejected from and struggled through. Wouldn’t life be boring if we already knew what we were capable of? Some say life is about trying to figure out something and realizing there’s nothing to

The most basic way to attain wealth is by waiting for it to grow. This requires no upfront experience, age limit, knowledge or wasted time. Just extreme patience. Now don’t get me wrong, waiting for money to fall from trees will keep you waiting forever. In the market, waiting is your best friend as time

Spoiler Alert: There’s no pot of gold at the end of the rainbow with a golden envelope waiting for you stating you hit seven zeros in your bank account. People are allured by the number to their name just like the weight on the scale. Speaking of the scale, I honestly haven’t stepped on my

Growing up in an upper-class family with immigrant parents, I’ve been fortunate enough to get to know successful people from all walks of life that came from nothing and rose to the top.  Out of this bunch, there are always going to be bad apples including entitled selfish kids that haven’t worked a day in

When discussing investing, most people mix up speculator, trader and investor but understanding the differentiators is essential to avoiding risk, guaranteeing cash flow and preserving wealth. With the influx of newly opened brokerage accounts and a rise in retail trading a.k.a gambling spurred by lockdowns and stimulus, most newcomers haven’t internalized one can’t invest without

If you thought Trump was the only guilty billionaire, more like current millionaire at this point who’s been caught in paying no income nor corporate tax for years, boy were you wrong. The loopholes for billionaires haven’t been easier. Not all of them are your favorite rocket scientists anymore. The newly released, possibly illegal yet

During a low-interest rate environment, aggressively refinancing your mortgage can help lower your pesky interest-rate payments to be able to invest the leftover proceeds, sweep that liability under the rug, become debt free and have full equity + ownership in your home. It only seems like a great financial decision to lower your monthly payments.

One is predictable, the other isn’t. A mortgage payment is comprised of two parts: repayment of principal/face/par value and nominal/coupon/ interest rate expense that is charged by a financial institution (bank) holding your mortgage (debt security/loan) until it’s paid off at maturity. This is a stagnant payment that doesn’t change, whether you move out or

Moderation is key in everything. Too much of a good thing can get dangerous. From exercise to the fad of ‘clean eating’, these so called, ‘un-harmful habits’ can turn into an unhealthy lifestyle ruled by orthorexia and obsession. Same thing in the markets. Too much tinkering, pondering, manipulation, stipulation and observance can be deadly to

It can be difficult to get rich without the luck, preparation and timing but it’s even harder to sustain it. With broke lottery winners and first million dollar paycheck athlete bombers, sadly there’s little to no chance someone can sustain a million+ paycheck for the rest of their careers, let alone a year without financial

The pandemic shifted consumer spending for the better. It’s unfortunate most people only change when they are forced not asked or advised to. Believe it or not, the more income you make, the more you should and usually do save. Although you would think that being worth more means you are safe and sound forever,

When investors plan on maximizing returns and following conventional investment advice, most wouldn’t think of following century-old college endowments, pension funds or 401 (k)s retirement plans to get ahead. Well, due to their ignorance, investors are missing out on a whole lot of juicy returns, simplicity, value and time back. Sadly the reason investors don’t

A recession, 2–6 months of GDP lag and a depression, 6 quarters or more of GDP decline, occur due to an imbalance in the economy. The economic cycle rides through waves and the economy is healthiest when it recovers smoothly from downturns and surprisingly hits another breaking point every 8–10 years. Historically it takes some

Although the title of this article seems to be intended for the top 1% in the world who are begging to find ways their precious companies can avoid paying a constant burden in the financial world: taxes, surprisingly everyone needs to know about this. Whether it’s saving billions or a couple hundred on taxes, it’s

With a record number of newly opened brokerage accounts this past year pumped by stimulus money and boredom, lofty valuations amongst various asset classes that make no sense, thousands of TikTok accounts teaching financial literacy and soaring meme stocks, the market couldn’t be hotter. Maybe too hot reaching a possible bubble on the horizon. But

Teens get a bad rap. They are known to be lazy bums who scroll through social media all day infesting their lives with toxicity, comparison and trash while their elders look down on them with dread and confusion questioning why they aren’t investing in their future. Although a majority of teens do engage in wasting

The most common misconception about wealth is that you need to earn more income to be worth more. Your net worth isn’t compromised solely of your income, or at least it shouldn’t be. It can be tricky to calculate one’s net worth off the bat because it’s scattered all over the place which in fact

Since more than half of U.S. adults are fully vaccinated by now, inflation is all on our minds. We are abruptly venturing out and frivolously spending on luxuries and adventures that were shut down this past year. The world of travel, tourism and leisure is inching towards pre-pandemic levels as the unofficial start to summer

The world of investments seems complex and bland. From the amount of jargon that’s tossed around which include commodities to bonds, assets to cash and sayings such as, ‘investing in yourself through education’ to ‘not putting all your eggs in 1 basket’, these are the phrases and terms we most likely think of when we

It’s time to be honest with yourself. Why do you really have that Disney + subscription? Don’t worry. I’m not bashing you if you don’t have kids. I’m just asking if you have Disney+ only to watch ToyStory 3 in HD? Is that all? Now, don’t get me wrong. Toy Story is a classic but

We all know when things are free, we are the product. Regardless, we feel good about using free sites and platforms because we assume they are somehow saving us time and money yet those are the places you want to watch out for the most. I became heavily involved with my finances when my father

Ever wondered how to earn as big as Wall Street traders without loosing your sanity and life working 15 hours a day, reading financial reports, building reports, glued to the news and only earning $90k for the first 3 years with 30%+ going towards taxes living in 24 hour cities of NYC, London and San

Growing your net worth isn’t easy at the start but the good news is that it gets easier the more sources of income you generate, the less you depend on W2 income and know how to build cash flow in your sleep. How? Because you already have a system in place, habits that work, people

For those who’ve been living under a rock and no worries if you have been since Covid is a valid excuse, here’s a little refresh on exactly what the deal is with cryptocurrency which has risen six-fold in the last year due to extreme exuberance, overhyped(ness) and speculation which seems to be never ending like

Regardless of the industry you’re in or major you have, having a basic understanding of how to invest and what financial analysis involves doesn’t hurt especially since it can apply to your own portfolio. Below I’ve compiled a comprehensive guide on what I think everyone who wants to be ahead of 80% of the population

There’s no way out of money. No matter what you major in from architecture to the arts, you still need it and if you believe you don’t, then you will sadly die earlier than most and live a miserable life. But who says living with less or learning about finance needs to be painful? Sure

Most Americans solely rely on their earned income from their job to keep them afloat. I don’t know about you but if I only had 1 income even as a 20 year old, I would not be able to sleep at night. No way Jose! Not only 1 income is the riskiest path for anyone,

If the secret formula to success was 10 years of unwavering commitment and dedication, people would be much more willing to follow it. Yet since there’s no set time-line or guarantee, most get stuck, quit, blame others, their environment and family for their faults. What stops people isn’t their IQ, experience or expertise in a

Purchasing a home is at the top of the expense list and a staple of the classic American Dream. Behind buying a property, transportation, food and paying off debt are next in line as the largest expenses for a typical middle class family and are arguably 10x easier to deal with considering there’s no such

Options offer, well, a lot of options. They are the most dangerous part of the market. They involve the world of derivates and pure gambling. Those who believe they can only make money in a bull market are wrong. Not only you can loose big and it’s easier to do so due to an inflated

The best investment advice I’ve ever heard is to ‘buy the dip’. Only if people knew that wouldn’t investing be so easy? Well, not exactly. Most people don’t know you can still loose money in a bull market. In fact, most investors loose money while passive investors have historically beat out active investors as individual

Cash is a necessary asset that a company to any individual must have, rich or poor. It is the most liquid asset meaning it is able to be used to purchase anything you need right away. If you don’t have enough cash on hand, you are in a risky situation primarily because if you loose

If you’re fortunate to live in the United States, there are great things expected of you. No seriously, there’s a lot of pressure living here. You not only have the best chance of earning a top tier-income, you have the opportunity to create your own business, establish a brand for yourself and be your biggest

You would think too much of anything is not a problem except when it comes to taxes. At the moment, most of the wealthy have either fled to Florida and pretend they live there permanently in order to pay less in taxes for their NYC estate(s) or are panicking about Biden’s new tax law calling

In this gig economy, there are countless ways to make money yet most of them pay nothing and are hard to continue for long. Driving an Uber or delivering groceries for GrubHub is usually not sustainable and wastes a lot of upfront time and cost. From gas to parking, it can be a troublesome and

There’s never an end to money problems. It is at the crux of all our dilemmas in life. No money no problem right?  The only problem then is the economy would be dead and we would have more problems. Yet, having too much is as bad as having too little. One of the reasons so

The companies that have hit the coveted trillion-dollar market cap (multiply the total number of a company’s outstanding shares by the current market price of one share) are obviously well-known and it is guaranteed you have used at least one of their products today alone. You could argue it’s luck, timing, the founder, funding, their

I always wondered what it would feel like to live in a multi-million dollar mega-mansion. Luckily my dream, or at least my former dream came true! As an innocent gullible child only a few years back I thought living in a mansion would be a replica of Trump hotels with shiny golden toilets and 5th

Decades before I was born and in the early 2000s, those who mainly traded in the stock market were mostly white collar middle aged men who went to prestigious business schools thrown into the stock market by their dad and grandfathers and head of the household as the main breadwinners. Although today the average American

The term, ‘drop’ has a different meaning to different investors. Some interpret it as no big deal and let the markets recover on their own time and most panic sell and loose the most. If you’re a long haul investor, a drop could mean a correction of 10–20% every few years or to a day

We all know it’s much easier to spend than save money. We tend to disregard small purchases such as that $7 daily latte we continue to grab from the local coffee shop a few days a week to keep some sort of rhythm in this new normal or drive in circles just for fun while

Some say being wealthy is a feeling but most agree it is a certain amount in the bank. Whichever definition you believe, you might not actually know what you are worth. Due to inflation fears starting to hover around 2% when life gets back to normal and the Fed planning to announce interest rate hikes

When one thinks of stock picking, it is usually individually based in terms of active investing. The point of active investing is to beat and time the market to earn above average returns. Unfortunately, this rarely happens and as we’ve witnessed in January of 2021 with the Reddit meme stock saga, no one could’ve predicted

It seems obvious that cooking at home provides a multitude of benefits such as eating healthier foods with less additives and fake nutrients along with lowering the cost of food by buying in bulk. But overtime, have you ever considered what this does to your bank account and waist? Surprisingly the negatives for eating in

Ever dreamed of retiring at 25? I don’t know about you but that seems like a sad and boring life just relaxing all day. No seriously. Having nothing to do just at the peak of your career? In my opinion, you should retire when you feel fulfilled, have no more regrets, know you tried your

Eventually at one point, none of us will be here anymore. It’s hard to imagine and wrap our heads around, but what if I told you the most important step towards financial freedom, security and mental sanity is to prepare for death? What if you get hit by a bus tomorrow? Not a question you

Believe it or not, the number one way to earn $1m isn’t through stocks. It’s through alternative investments in and out of the market. But before we get into the weeds of what these investments entail, let’s understand why stocks are the most common and easiest choices amongst new and old investors. Since 1926, stocks

Myth: You need money to make money. As hard as this is to believe, you really don’t need much. But what you do need is a willingness to learn, be patient and be 100% comfortable with making mistakes. The first time I started trading was back in my middle school economic’s class. I don’t remember

Luckily, one’s net worth (total amount of assets – debt) tends to increase with age. Yet that also means rising living costs and inflation (decline of purchasing power of money) comes crashing in during periods of economic stability and low unemployment, a phase of the economic cycle we will endure in the new few months

Yesterday I went through my economics textbook from senior year of high school. It’s been almost 3 years since I’ve opened that dusty ton of bricks. I bet the textbook wasn’t revised especially since it was written in 1982, before the housing crisis in ’08 and many global events of the 80’s most notably including:

There are certain stigmas that are holding people back from building the life they’ve always dreamed of. Whether you like it or not, money is involved in almost every part of your life. It dictates what you do, who you are with, where you live, how you behave, what you own and parts of your

Although I promote financial literacy as a frugal minimalist stealth wealth teen, here and there I like to splurge. Yes, I’m human too. No one is perfect and you deserve to buy what you need and sometimes want, without reason. I don’t completely condemn this dangerous behavior but once in a while, especially during a

The debate between real estate and stocks has been looming around in the financial world since home buying became popular and known as an investment in the early 2000’s. Flipping houses really took off during this time and also lead to the massive pricing bubble. Yet, eventually all good things come to an end and

Coffee is a conflated conundrum. What a mouthful! Now I need a sip. It’s been a delicacy, image of elegance, luxury and classiness for centuries and is part of every day routines, including peasants, millionaires, and I’m sure billionaires. Globally there are over 1 billion coffee drinkers and about 2 billion coffees are served per

April 15th is tax day. Yay? Since we have a variety of readers spanning multiple generations from GenZers to Baby Boomers, hi grandma:), we can all use a refresher on tax policies especially since this year is going to be even tougher for many filers. Taxes aren’t more complicated because Biden is in the White

Owning a public company and being a founder at a startup are two different ball parks. Not just in terms of revenue, size, licenses, shareholders, taxes, LLCs, location, and people, there’s something deeper that both focus on at different scales. If you want to learn if a company or startup is the best career choice,