Motivation

Sleep In, Stay Broke: Wake Up Earlier for Financial Success

I’m convinced that if you wake up just one hour earlier every day for the next 10 years, you’ll not only accomplish far more, but also build significant wealth and unlock countless opportunities in life. Conquering the magic of the morning—while most are still asleep—will give you a massive edge. I’m reminded of this truth […]

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The Choices We Make To Achieve Financial Freedom Aren’t For Everyone

After publishing Why We Keep Spending Even Though We Know We Shouldn’t, I realized something important: the real reason I wasn’t willing to spend on a vacation rental this summer is because we no longer have financial freedom. I didn’t think about this fact until after I got a lot of feedback from readers on how

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The Last Mile Is Where Success Is Made: Always Close The Loop

In 1997, Gary Winnick founded Global Crossing, a company with the bold vision of laying undersea fiber-optic cables to build a global IP-based telecommunications network. It was a massive infrastructure play, designed to form the core transport layer for the internet, connecting data centers and network hubs worldwide. But as visionary as the plan was,

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Putting Up A Paywall To Fight AI And Support My Family

Well, folks, after 16 years of diligently writing three free posts a week, I’ve finally decided to erect a paywall. Originally, starting in 2009, my goal was to provide free financial insights for 10 years to help people achieve financial independence sooner. Success! I’ve always believed that if you’re lucky enough to learn something valuable,

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The Million-Dollar Mindset of Personal Finance Enthusiasts

I keep reflecting on how incredible 2024 was. With the S&P 500 up 23%, Bitcoin surging, and residential real estate climbing in most of the country, personal finance enthusiasts have had an amazing year. The investment gains almost feel like free money—and who doesn’t love getting something for free? With the return of volatility, we

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Rewarding Based on Merit Alone: Great in Theory, Tough in Reality

One of the reasons I left my job at Credit Suisse was that I no longer felt I was being paid based on merit. After the global financial crisis, the firm—like many others—faced tough times, and overall compensation steadily declined for years. As a top-three ranked producer, I expected to be compensated accordingly. But I

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