I recently came across Wes Moss’s research on what separates the happiest retirees from the unhappiest ones, and honestly? Some of it surprised me. We spend so much time obsessing over portfolio balances and withdrawal rates that we forget retirement is supposed to be about living, not just surviving on a spreadsheet. Moss surveyed retirees for nearly a decade, and…
What is Bank Bonus Arbitrage? Bank bonus arbitrage has become one of my favorite side hustles. Between April and July 2025, I earned $1,625 just by opening 5 checking accounts and meeting basic direct deposit requirements. If you’ve ever wondered whether those bank signup bonuses are legitimate—or if there’s a catch—here’s everything I learned from actually doing it. Here’s the…
Over the past six years, few assets have surprised investors more than gold. In what can only be described as a remarkable gold rally over 6 years, the precious metal has climbed approximately 181%. That kind of move is far from typical — and it raises an important question: Was this luck… or was this by design? Six years ago,…
It took a long time before I have adapted to the way I invest and I believe it will keep evolving. Back in 2010, I made my first investment following the advice of a book for dummies. It was my first book that I read which got me started on a path to become more financial literate. All I did…
Key Points If you’re new to the stock market, don’t fret about trying to immediately surpass it. Achieving better-than-market results demands a substantial amount of learning and practice. Understanding the optimal times to enter and exit investments, a process which can be intricate, is essential. Instead of striving to outperform the market, it often makes more sense for beginners to…
Discovering the Golden Butterfly The benefits of having the Golden Butterfly portfolio with respect to the COVID-19 pandemic or not. Variation of the Golden Butterfly following the same principles and how to adjust your portfolio. The golden butterfly is a derivation from the all weather portfolio popularized by Ray Dalio. I first encountered the term Golden Butterfly from a podcast…
Statistically, the biggest burden to our financial state is our mortgage and auto loans. If these two things weren’t a factor in our lives, we’ll be able to have much more than what we currently get, but because these two items are almost a necessity it is our biggest expense. In order to get into a better state financially, I’ve…
I have recently refinanced my home from a 15-year fixed mortgage with a 2.75% interest into a 30-year fixed mortgage at 3.375% interest. This may sound crazy, but because I will be disciplined in investing the difference in monthly payments, I will come out on top after the end of the mortgage, 30 years from now, assuming that the market…
The book below is on sale for only $2. Hurry and grab your Kindle copy.
I just started reading the book about real estate. This book is recommended by Grant Sabatier on his recent post “11 Best Fire (Financial Independence Retire Early) Books,” which was ranked as number 9, but highly praised by Grant as THE real estate book to have for beginners and coincedentally, this was also recommended by Paula Pantt’s Afford Anything community…