Anticipation and excitement come first, while regret and self-blame follow after the act—this is the sequence of events that occurs before and after eating fast food or a junk meal. And that is just the feeling of having eat crappy food that is not good for your health. Then there is the financial aspect, and…
Ever since Trump won the U.S. presidential election, and given his favorable stance on cryptocurrency, Bitcoin has experienced a massive spike in price. On Election Day (Nov 5), the USD price of Bitcoin was around $68K, and today, it sits at $104K—a nearly 60% increase. Of course, Bitcoin’s price can be volatile and may decline…
When I heard about this cool savings challenge, I felt a bit embarrassed. How could I have been writing about budgeting and personal finance for so long without ever hearing about or implementing this method? So, what exactly is the 52-Week Savings Challenge, and how does it work? Simply put, you start by setting aside…
There are a lot of numbers, formulas and ratios in personal finance, and one that you have likely heard of is the 60/40 portfolio or investment strategy. This is a type of investment strategy that allocates 60% of the portfolio to stocks (equities) and 40% to bonds (fixed income). This approach strives to balance the…
It is almost a cornerstone of my investment philosophy, at least for now and over the past few years: I virtually never touch a stock that doesn’t pay a dividend. In fact, not just any dividend—it has to be a good one, with a yield of at least 4% to 6%. This approach has worked…
New year resolutions are everywhere, and they are dime a dozen. And frankly, you are probably sick of seeing and reading about them, so I won’t give you more of these. Instead, I do want to talk about a few things you can do in the beginning of the year, to ensure you have a…
As we close out the year, it’s time to reflect on the lessons that shaped my financial journey. Over the course of 52 weeks, I’ve uncovered practical, transformative insights—from boosting savings to mastering passive income. Here’s a roundup of the most valuable lessons that can help you level up your financial game in 2024. (also,…
If you want to enjoy your journey in personal finance, it is to keep things simple and focused on clear, achievable goals that align with your vision of financial freedom. With that being the case and in my effort to simplify my dividend investment plan, I have done the hard math to be able to…
As the year winds down, I’ve been reflecting on my podcast journey. This year, much like 2023, I immersed myself in the world of podcasts, tuning into 150+ different shows and racking up a total of over 1,450 episodes. Assuming an average episode length of 30 minutes, that’s 725 hours of listening—nearly a full month…
Do you feel like you are getting old without much to show for it in terms of wealth building or retirement savings? This is a fear that increasingly more and more people are starting to feel, especially those approaching their 50s or 60s. One way to avoid feeling fear and be as financially ready as…