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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Bankruptcy We have all seen examples of financial failures. For some it comes down to unavoidale factors; bad luck, poor timing or a poor economy. The concept of bankruptcy – seeking legal relief for one’s debts, whether personal or in business – dates back at least to the 1500s if not earlier. The term comes
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Your Relationship With Money Is Important We all have different relationships with money. But as Morgan Housel says in his book “The Psychology Of Money”, ‘we’re not all crazy’. We have just had different experiences that have shaped how we feel about money. This also shapes how we treat money and how we see money
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In the realm of personal finance and wealth accumulation, certain principles have stood the test of time. Some of these guiding principles have been passed down through generations, transcending the boundaries of time and culture. Here is where can easily see that wealth wisdom is timeless. But for most people, they have either been lost
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Why Own A Credit Card? Of all of the money-related conversations that I have had with my students, the most misunderstood is probably related to credit cards. Unsurprisingly many students see having and using a credit card as almost a right of passage. They are simply things that adults use – so they must be
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Introduction Interest rates are a fundamental aspect of modern economics that affect our lives in more ways than we might realize. Whether you’re a young person just starting to save, someone interested in investments or planning to retire, understanding them is crucial. In this article, we will delve into how interest rates shape the economy,
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