Are You Recession Ready?

🖥️ Reading time: 3 minutes

The recession doesn’t make you broke. Your reaction to it does.

If a recession hit tomorrow, 99% of people would panic. But if you’ve been through money struggles, like I have, you know that chaos creates opportunity. That’s why I don’t wait....

How to Use Them Without Getting Burned

🖥️ Reading time: 4 minutes

Most people treat credit cards like free money. Swipe now, cry later. But if you understand how they work—and actually use them right—they can be a powerful tool to build credit, earn cash back, and give you fraud protection you ...

This Is What I Would Do

🖥️ Reading time: 6 minutes

If you’ve got extra cash and no plan, inflation is already winning.

So, you’ve finally got some money set aside, and you’re thinking… “Should I invest this?”
 

Short answer: Yes — but only if you do it right.

Most people either over-complicat...

Are You Making Them?

🖥️ Reading time: 3 minutes

Wealth-building isn’t just for the super-smart. You don’t need to predict the future. You just need to avoid the dumb mistakes that consistently wipe out people’s money.

“Wealth destruction doesn’t come from lack of skill. It comes from avoidable...

Why Your Savings Are Quietly Losing Money

🖥️ Reading time: 4 minutes

Inflation isn’t usually front-page news. But it’s always there. Silently waiting to drain your wealth.

After peaking at 9.1% in 2022, inflation has cooled, but it’s stuck above 3%, and most experts expect it to hover there fo...

5 Smart Rules for Tough Times

🖥️ Reading time: 5 minutes

If you’re barely covering your bills, investing might feel like a luxury. I get it. When you’re in survival mode, every dollar counts. But here’s what most people won’t tell you, but I will:

Sometimes, the best time to invest is when it ...

Exchange-Traded Fund (ETF)

🖥️ Reading time: 3 minutes

Let’s say you want to invest in the stock market but don’t want to spend hours researching individual companies. That’s where ETFs come in.

An ETF is a collection of investments—like stocks or bonds—that you can buy and sell on the stock ma...

What Is a 401(k) and Why It Matters

🖥️ Reading time: 4 minutes

A 401(k) is a retirement savings account you get through work. You put a portion of your paycheck into it, and your employer might even match part of that money (aka free money).

There are two types:

• Traditional 401(k): You put ...

What Is a High-Yield Savings Account (HYSA)?

🖥️ Reading time: 6 minutes

A HYSA is just like your regular savings account—but on steroids. It pays way more interest than the old-school savings account you probably opened at your local bank.

We’re talking 10 to 15 times more interest. That’s rea...

5 Steps to Bounce Back Fast

🖥️ Reading time: 3 minutes

A 2024 survey from Empower showed that nearly 37% of Americans can’t cover a $400 emergency, and 1 in 5 have zero emergency savings. That’s not a stat—it’s a warning.

If you’ve burned through your emergency fund, it doesn’t mean you failed...