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 »
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 »
Don’t get too complacent this time. After 3 years of above-average returns in the markets, many analysts, bulge brackets, and financial institutions alike aren’t predicting a stellar year. I was even surprised. They aren’t negative rather realistically hopeful. The average return for the S&P 500 is roughly 14%. After returning ~25% in 2021, this was
💹2021 Stock Market Rapid Recap and 2022’s Muted Predictions Read More »
As I turned 21 yesterday, I want to thank this community for providing me a platform to share the most relevant and crucial 21 life lessons I’ve adopted and learned thus far. Most were discovered outside of the classroom where the real learning begins: -Everyone has potential, your past is not the future -There’s rarely
🎉21 Life Lessons From a 1-Day 21 yr old Mia Gradelski Mia Gradelski Read More »
Strive to talk to someone new each day. This may seem difficult but if you want to, there’s always a way. People are more willing to talk to us than we believe. We all didn’t know each other at one point. Social connection improves memory, concentration, fulfillment, satisfaction, cognitive ability, confidence, and sleep. You can
🎙Just Listen and Nod Read More »
Although America is the wealthiest country in the world, inside is poor. Whether you earn an income that makes you a part of the elite top 1% or bottom 90%, you probably agree the U.S. has a lot of problems that haven’t been resolved since it’s founding. Clearly the tax laws work for those who’ve
🇺🇸You’re Sitting On A Winning Lottery Ticket Read More »
MYTH About Leadership Being “smart” focusing on IQ, positions, titles and test scores are most important. TRUTH According to countless studies, intellect and technical knowledge are baseline and usually do not differentiate great leaders. Emotional and social intelligence make the largest difference. At the end of the day, people remember you for how you make
Commit to something larger than yourself. Being interested in others rather on being interesting is the foundation for true meaning and purpose. “Commitment to something larger will set you free” -Jacqueline Novogratz Trying to please people is exhausting, mentally draining and gets you nowhere. Obsessing over oneself is a distraction. By being authentically you, you
I asked my grandparents the other day what was on their mind and what they were up to at my age. They told me they never did as much as I do in a day yet felt more fulfilled, present and could actually remember what and why they did something. They had one mission whenever
When we spend money on tangible items, we expect an immediate reward. Yet when it comes to intangible investments and education, we have to patiently wait and cross our fingers that a quarter of a million dollar investment or above will eventually pay off and ideally return more. That’s terrifying. Would you bet $90k per
🍻How to Increase Your “Shadow Net Worth” Read More »
If you haven’t already noticed, productivity does not in fact decline when we work in the comfort of our homes yet major employers across the world are still not convinced nor buy into the WFH craze. Since this year, I’ve been perplexed as to why companies are deliberately forcing employees back into the office while
🚗The Draining Financial Effects and Benefits of Commuting For A Company vs. Employee Read More »
For true happiness and bliss in most areas of life, I believe we must do more subtraction than addition. Sure everything in life has trade-offs and nothing will be completely wonderful all the time but within investing to family time, two areas of life we should prioritize at every stage, rebalancing less in one’s portfolio
💸To Make More, Remove Instead of Add Read More »
Showing off never leads one to a better place yet many will never be convinced. As a teenager, I find it embarrassing and frankly awkward to see peers of mine flaunt their belongings to the point where it looks overly fake, devious and silly. Up to a point, it’s clearly just for show. Overtime with
Have you ever gotten the feeling as if your enemies were purposely waiting for you to make another mistake? Maybe in HS you were convinced the macho football team had a hidden tally chart in the locker room of the number of falls you’ve made throughout the season or your colleague in math class counted
🦷Businesses Are Centered Around Customers’ Faults Read More »
Car seats to airplanes, portion sizes to offices, what do all of these have in common? You guessed it. They were all designed and made solely for men. From the details in the architecture to comfortability techniques, all these necessities were designed by men for men in mind. Men were pioneers in the workplace not
🏢The Real Truth On Why Offices Are Always Freezing Read More »
Believe it or not, people who have endless resources at their disposal from therapists to tutors have as many dilemmas as those who have to tackle it themselves. Let’s put it plainly. Everyone on earth who is battling their own battle has a legitimate reason to complain, be confused, and ask for help. No matter
💼The Extreme Pressures of Being Privileged Read More »
We all know there is an exorbitant cost to eating out and it can be cut in half if we were less lazy and more realistic. The fact that millions could be out of debt, happier and have less health, mental, physical ailments by not choosing the convenient 21st century way of drive thrus and
🍺Yes, It Is In Fact Terrible to Eat Out More Than Twice Per Week Read More »
Yes I actually documented this. The last time I used physical cash was in January 2020 when I awkwardly forgot I had to give the valet driver a $12 tip. Yes, $12, not including the parking fee. This is New York not Louisiana. The point is, the fact I had to search for cash, a
💵When Cash Will Vanish & How To Prepare Read More »
Sadly being irreplaceable at work is impossible. Anyone can replace you but if someone depends on you for your character, weirdness and presence, it’s a different story. Being dependent on someone isn’t always great, especially with your finances yet at work, it can be a propellant to your career. As most of us do, when
👯♀️Being Unforgettable Is A True Asset Only Certain People Can Master Read More »
The concrete jungle with bright obstructive lights and dreams vanished into the dust. In a city that never slept, it shutdown. Loneliness and trepidation that hid amongst the crowds were finally revealed. As an incoming freshman in college at the peak of my existence when experimentation meets curiosity, I felt trapped for the past fifteen
🏙20 Ft Above NYC at 20 Read More »
People are obsessed with portraying themselves as someone they are not. With 80% of car owners not able to afford their vehicles and 87% of Americans in some sort of “toxic debt” e.g. luxury good or car loans as the most common forms, following deceptive marketing tactics of luxury and appeal are dangerous and will
👨👧👦Why Our Own Personal Finances Shouldn’t Be Discussed Outside of Immediate Family Read More »
Any economic imbalance from a slight correction to wounded depression stretches the divide between the wealthy and the poor. During this deadly pandemic, as the top 10% have amassed $12 trillion with the majority of their wealth tied up in the markets and their businesses while the bottom 50% have only gained $2 trillion made
💰 I Have An Extra $110k From the Pandemic – What Are The 4 Best Ways To Handle It? Read More »
As most of us do, we know someone who’s emphatically obsessed with coffee. Mine is a childhood friend and has had a love affair with it since a decade ago. And no, it hasn’t stunt her growth. The reason I documented my successful coffee accomplishment into this article is because this was certainly no easy
☕️How I Convinced My Friend To Stop Consuming $12 Iced Coffee Read More »
The housing bubble has been looming over buyers’ minds since the pandemic began and hasn’t cooled off one bit. In fact, it’s only getting hotter — about to burst! As prices and the cost of lumber are rising, inventory tightening, Zillow glitching and brokers multiplying, this is most definitely a sellers market. Those fortunate not to have
🏖Who Needs A Second Home? Read More »
There’s an endless amount of money in this world. Don’t listen to your economics teacher. There’s no scarcity in sight, only abundance. Put that cap on. You need to believe you deserve to make, spend and save money. To have the ability to decide you financial future is powerful. Money isn’t just for other people
🤑It’s Okay To Want Money. It Doesn’t Make You A Bad Person Read More »
Knowing how much your co-worker earns won’t close the pay gap. Salary transparency will address inequalities but exchanging your pay grade will only make the environment more competitive and brutal. Employers don’t want to emphasize the gap between men’s and women’s earnings as they know it’s a numbers problem and a far deeper issue. Advertising
😤How To Never Get Jealous At Work Again Read More »
Did you know ambition makes you more attractive? I’m serious. It’s not all about looks. Don’t be so shallow. There’s no one definition of beauty and intelligence. Some traits seem to have more precedence towards success than others and most of the time, looks aren’t one of them although they certainly help. Let’s get the
🤩The Serious Truth On Attractiveness And Success Read More »
Children are a true blessing. They light up our world and make it go round. You can learn a thing or two from a toddler. Never understate what youngsters can teach you, especially if you want to stop sweating the small stuff and add some humor into your life. According to the cost benefit analysis,
👩👩👧👧Why Do The Poorest Have The Largest Families? Read More »
Entrepreneurs aren’t a threat, they’re a bonus. They have a business mind. They are risk averse yet never want to look or feel comfortable. The main reason employers believe entrepreneurs make poor employees is because they are independent and do not take direction or feedback well. They have their direction and stick to it. Yet
👩💻Why Companies Despise and Avoid Entrepreneurs Read More »
Each year, millions of acne prone anxiety induced social media addicted crazy teens apply to college to propel their future. Whether they want to or not, they are expecting a rewarding ROI. It’s the biggest journey of their lives stepping into adulthood and most couldn’t be more excited to escape the trauma of high school.
Self-help sells too well. It’s like any other industry attempting to lure consumers into ‘changing their life’ and ‘find their passion’. It works extra well because everyone needs help in some sort of way. It’s full of dopamine hits luring readers on a high expecting to witness massive revolutionary seismic change after attending a $500
🧚♂️10 Pieces of Life-Changing Advice I’d Give To My Younger Self ASAP Read More »
Stop paying attention to the hot crypto or the inflated currency. None of that will take care of you when you’re in need. They don’t even have internal rates of return to keep you sane. The people you love the most will and those are the people you are investing for. Never take for granted
👩👩👦👦The Best Investment of All Time… Read More »
No doubt Americans reassessed their living and work situation during the pandemic and some are paying a price. Due to the low-interest rate environment, burnout, attractive mortgage rates and the unbreathable living situation stuck at home, millions decided this past year and half they don’t deserve their bedroom to be their kitchen, yoga studio, pet
One of the greatest dilemmas the U.S. and countries across the globe face is the staggering wealth and income gap. As the rich have gotten richer, the poor have gotten poorer. For comparison, the top 20% of Americans own 86% of the country’s wealth and the bottom 80% of the population owned 14% while the
📊What’s Worse? The Wealth or Income Gap and How To Fix Both Read More »
Ever heard of the expression it’s in the small things that count? We all know investing in ourselves pays dividends for a lifetime because education is one of the few things that cannot be taken away from us but no matter how much money you may have, it doesn’t mean you’ll have the motivation to
😂How To Seriously Purchase Happiness Read More »
Building wealth seems frustrating and confusing for most no matter where you’re from. Considering we are living in the most innovative, expansive gig economy that has been transformed by globalization, we would think there would be no problem. After all, the internet is all you need to make it nowadays. Yet my generation (GenZ) in
Stress is a normal feeling everyone deals with daily. Some of us are just better at faking it till we make it and letting it shrug off our shoulders. The truth is, we’ve never been taught how to handle stress so we feel we are outliers and innocent whenever our hands shake or we start
🧠Why Stress Is Funny And How I Drastically Overcame It With 4 Easy, Free Steps Read More »
Half-way through the pandemic, I was a bit bored. I was dealing with cabin fever, Zoom University and as my pet peeve is procrastinating and wasting time, I needed something else on my plate. So I randomly merged my interests of self-help and personal finance into this blog in July of 2020 not expecting it
As most females do, they obsess over their looks too much. Some pay more attention to it than others but what’s agreed upon is that everyone wants to be someone they are not. There’s this stereotype that those who have a ‘disorder’ are impaired or dealing with a tragic mental illness but in reality, it’s
🍆How I Overcame An Eating Disorder In 2 Days For Free Read More »
I have to break it to you. Sometimes you’ll work hard and get nowhere. I know, it’s the most frustrating thing but to us students, it happens 90% of the time repeatedly for 16+ years. No matter how many times you meet with the teacher, go to office hours, beg them with home made brownies,
🧳What’s The Deal With Working Hard? Read More »
As a 20-year-old, I’ve worked for roughly 12 employers ranging from midsize to large businesses since middle school across NYC and never expected the difference in personality and values to be as drastic as one gets higher and higher up the ranks of the corporate ladder. It was 5:27 pm and he wanted to go
🥬5 Key Life Lessons From Having A Soggy Salad With A Fortune 500 CEO Read More »
I turned 2 decades old on Thanksgiving and yes, I’m always very grateful. I wanted to compose a list of insights that I’ve learned over the years. Regardless of your experience or age, anyone, anywhere can learn something from someone. That is the beauty of learning. -Your dreams shouldn’t be someone’s else’s just bc it
Fundamentals From A Boring 20 Year Old For 18+ Read More »
Make that phone last longer than the amount of time you use it every day. ‘Batterygate’ is here to stay. This past September, Apple released their new iPhone 11 Pro Max that costs a whopping $1,450. This iPhone not only does the same things as with any other iPhone, this is just another way Apple
🔋How To Not Get Ripped Off By Apple’s Deceiving Money Plan, Again Read More »
Post pandemic I can’t wait to waste time again commuting, waiting for class to start, and starving waiting on the Sweetgreen line in the cold to buy a compressed, dilapidated $22 salad. I never thought I would miss all of this until I became stuck at home all day every day coming up now on
🤪Can We Continue To Be More Efficient and Productive? Read More »
Since I was young, I could never sit still. Taking an hour and a half flight from NYC to Atlanta every Thanksgiving for my birthday always drains me. No wonder I always bring an extra seatbelt to buckle me in. Boredom was never an option and taking breaks seemed like laziness until I got burnout
👙What Celebrities Really Teach Us Read More »
There are stereotypes about us teenagers and they periodically change depending on the trends. We sit around scrolling or shall I say, swiping up and down TikToks (yet not for much longer so you need to come up with another excuse) and crash houses, whatever your definitions entail. As I am gearing up for the
👑What You Can Actually Learn From a 19 Year Old Read More »
Do you know where our dreams come from? Other people determine them. How does that happen? What if I don’t talk to anyone… First off, start doing that and don’t make excuses. That’s why we have Zoom. So back to why our dreams are already programmed by others. Becuase what you want, someone already has.
🥉Why You Should Strive To Be Average Read More »
I could easily stop writing right now and no one will notice. We want to believe we are special, but we cannot becuase we are waiting for approval. As a sophomore in college, it is hard to be this age, and especially, younger. Social media, technology, and all things digital are bombarding our lives and
💍Why We Don’t Get What We Want Read More »
Each job, profession, career path, position you secure, it will most likely always involve a paycheck of some sort or a reward system if you get lucky as an intern. We all love free merch. We hear on the internet how easy it is to open a small business, start a store on Shopify which
🤑The Myth About Making Money Read More »
When applying to college last year, first of all, I had no idea where I wanted to go, second, I didn’t know what to study which could have ended up dictating my whole life. Sounds like everyone. As a 19-year-old, I thought life already flew by quickly but if I will have to decide upon
🦺Be A Generalist Not A Specialist Read More »
Our favorite question of all time “Tell me about yourself.” Ahh, when we hear it we get the chills. This is an age-old interview question that is not supposed to be answered by regurgitating your resume or explaining all your accomplishments. It’s difficult to stand out these days when the competition is all around
👤How To Stand Out Without Trying Read More »
Greedy, greedy students. What’s an internship? I would define it is a worthwhile yet relatively too short experience teaching you vital skills that you wished you learned in all these years in school. Yup. It’s unfortunate but we don’t get enough internships and have to wait until we’re a certain age to actually start learning
💰Why Internships Don’t Have to Be Paid Read More »
