Happy Money For many people, talking about money is stressful. Money represents worry, fear, working the 9 to 5 grind and paying the bills. Money represents debt, never having enough and trying to make ends meet. Some people even feel that money is evil, corrupt and only mastered by ‘bad people’. Our own relationship with […]
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Introduction Debt can harm a persons chance of achieving financial independence. In a world where financial challenges often accompany the journey into adulthood, many young people find themselves grappling with the challenge of getting out of debt. Whether it’s student loans, credit card balances, or other financial obligations, the path to financial freedom may seem
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Valueless Purchases Some things just shouldn’t be purchased if you’re seeking a happier (and wealthier) life. That’s my opinion at least. I see some consumer products as ‘valueless’ purchases even if they are quite expensive. This means that they don’t really add value to one’s life. Read on and you’ll see how I try to
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Who Wants To Be A Millionaire? Well, let’s be honest. Most people do. We all have goals, and being wealthy is pretty high on most people’s lists. Some want to be successful entrepreneurs. Some want to be successful athletes. Others want to excel in the arts. Whatever you want to achieve in life, it makes
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Getting Here I have a website and a blog that tries to give advice about money. I also teach this stuff to my students in my ‘other’ job. But I’m not exactly the best example of someone who has always mastered the art of managing their finances. I’m not rich in the way that most
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The Millionaire Janitor I read the story of Ronald Read just recently in ‘The Psychology of Money’ by Morgan Housel. His story can be viewed as a shining example of the power of determination, frugality, and long-term investing. This is the story of the janitor who became a millionaire. Ronald Read was an unassuming janitor
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The Financial Roadmap for High School Graduates Navigating Money Matters with Confidence Congratulations, recent high school graduates! As you step into the next chapter of your lives, there’s an exciting world of opportunities. By mastering the art of financial management early on, you can set a solid foundation for a prosperous future. This is for
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The Great Retirement Withdrawal Rate Debate : And why Dave Ramsey Is Wrong Many people dream of the day when they will retire. There aren’t many topics as polarising in the personal finance world as that of retirement. This week a Dave Ramsey video got the whole Finance Twiitter world in a spin. When should
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Budget or ‘Pay Yourself First’? This post will question whether a budget is the best solution for increased savings Traditional money advice often starts with telling you that you need to create a budget. It says that you should analyse your current spending and identify areas that can be cut back, create a plan of
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Our Relationship With Money Our relationship with money can be simple or we can make it complicated. The world tends to complicate things and it is sometimes useful to just step back and think of simpler times and simpler ways of looking at life. If your goal is ‘financial freedom’ then you should really consider
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