Businesses everywhere are scrambling to find skilled workers, and the problem isn’t going away. Jobs are open, but the right people aren’t lining up to fill them. If you’ve noticed longer wait times, slower service, or companies lowering their standards, this is why. The World Economic Forum reports that half the global workforce will need…
I’ve been thinking a lot about work optional versus Financial Independence Retire Early (aka FIRE). If you haven’t heard these terms, I’ll explain them shortly after I get through this. Work optional is great if that’s what you want. It means having control over your work, making enough money to feel like you could leave…
You ever hear someone say, “Retirement? I’ll figure it out later”? That’s exactly the kind of thinking that keeps people working until they’re 78. It’s not that most people are lazy, they’re just stuck believing stuff that sounds smart but falls apart in real life. Dave Ramsey and his team at Ramsey Solutions called out…
Retirement sounds great until you realize you’re not actually ready. It’s not just about money, it’s about time, energy, and what the hell you’re going to do with your life once the job ends. Most people wait too long to think about that. According to a 2024 survey, 53% of respondents feel like they’re already…
Frugal living gets a bad reputation. People hear “frugal” and think of extreme penny-pinching, boring budgets, and saying no to everything fun. That’s not the reality. It’s about spending with purpose so money stops slipping away and starts working for you. Dave Ramsey has spent decades teaching people how to take control of their finances….
Let’s talk housing prices. If you’ve been casually scrolling real estate listings and thinking, “Wait…wasn’t this $200k like two years ago?” you’re not imagining things. The sticker shock is real. To break it down, we compared 2019 data from Yahoo Finance with the latest 2024 numbers reported by Bankrate. The comparison tells a clear story:…
For what it’s worth, I became a liquid millionaire at age 38 and then retired at 42. With over two decades in financial services, a CFA designation, and a mix of real estate and investment strategies, I reached financial independence without gimmicks or shortcuts. Unlike Dave Ramsey, I have financial credentials, I never declared bankruptcy,…
For over half my life, I’ve been involved in the real estate industry as both an investor and a landlord. When it comes to home improvement, I’ve learned a great deal about what works and what’s simply regrettable. It’s often the case that the most tempting upgrades and investments turn out to be the least…
Work used to be simple. You got a job, showed up, did the work, and got paid. That deal doesn’t look so great anymore, and young workers aren’t afraid to say it. The grind, the low pay, and the endless wait for a “real” promotion? No thanks. Young adults are disconnected from work and school…
Life used to be a lot more affordable. Our grandparents bought homes, raised families, and retired without drowning in debt. Millennials? They’re stuck with sky-high rent, student loans, and a cost of living that keeps climbing. The numbers don’t lie. College tuition costs nearly 1,200% more than it did in the 1970s. Housing prices have…
Once you hit 50, taxes start working in your favor, if you know where to look. The government, for all its faults, actually hands out plenty of tax breaks to older adults, helping them keep more of their money. Some of these benefits kick in right at 50, while others appear as you get closer…
Taxes drain your paycheck faster than a bad investment. Most people assume there’s nothing to do but accept it, but that’s exactly how the IRS wants you to think. The tax code is complicated, but it’s full of opportunities for those who take the time to use them. A recent National Tax Literacy Poll found…
If you think most millionaires are tech bros, Wall Street guys, or kids born into money, think again. Most millionaires aren’t even doctors, athletes, or lawyers like everyone thinks. The real millionaires aren’t making headlines or flexing on Instagram. Chances are, you’ve walked right past ten of them and had no idea. According to The…
Some people are broke because they don’t earn enough. Others stay broke because they keep spending like they’re trying to prove something. One choice at a time, they dig the hole deeper, and call it normal. Being broke has a pattern. It’s not random. The same wasteful habits keep showing up, and the worst part…
Saving money doesn’t have to feel like punishment. You can still live well, eat well, and sleep easy, without wasting cash on things that don’t matter. A recent study on mindful consumption showed that people who slow down and make intentional money decisions feel more secure and satisfied with their lives. It’s not about cutting…
Prices are up. Paychecks aren’t. And most people are stuck wondering why their money disappears faster than it used to. According to recent data, 64% of Americans now say inflation is a very serious problem. It’s not a headline, it’s a daily gut punch at the grocery store, the gas station, and everywhere in between….
