With negative cash flow, I’ve embarked on a mission to trim unnecessary expenses from my budget. In times of surplus cash before my home purchase, I hadn’t scrutinized my expenses for years. It’s not that I was lazy about budgeting; instead, I’ve always embraced the “pay myself first and spend the rest” strategy. Each month, […]
Three Sneaky Expenses That Are Ruining Your Budget Read More »
Living paycheck-to-paycheck is an unpleasant financial experience. Not only does it mean needing to spend everything you have to make ends meet, it may also create an ongoing feeling of despair. You might even have to get into debt to pay your bills. And if you aren’t careful with debt usage, it may become a
Embrace Living Paycheck-To-Paycheck To One Day Be Free Read More »
On Jan 2, 2024, Claudine Gay resigned as the president of Harvard University amid public outcry over her failure to support the safety of Jews on campus before Congress and allegations of approximately 50 counts of plagiarism. As an author and blogger, I observed the public judgment with fascination, considering that plagiarism has been regarded
Thoughts On Plagiarism As A Thief, Blogger, And Author Read More »
One of the things I’ve tried to work on since high school is being less judgmental about others. To function efficiently in society, I often have default assumptions about people which can sometimes backfire. I’m also certain that if more people got to know each other there would be less conflict. As a minority who
A Blind Spot About Private School Families: They Aren’t All Rich! Read More »
Thanks to several commenters in my going back to work post, I’m getting more enthusiastic about sending my kids to community college! As a result, it may no longer be necessary for us to try and accumulate $1.5 million for two children to attend a four-year private college starting in the year 2036. It may also
Community College May Be The Way: How I Plan To Spend $1.5 Million Read More »
Everybody should have some investments in stocks. Although stocks provide zero utility, some stocks provide dividend income and all stocks have the potential for capital appreciation. Since 1926 the S&P 500 has returned about 10% on average a year. Further, at some point in your life you should sell some stocks to buy what you
It’s OK To Sell Stocks Once You’ve Made Enough To Buy What You Want Read More »
Most responsible adults who want children will strive to save and invest as much money as possible before becoming parents. However, after being a parent for six years, I realize this advice might not be ideal for living your best life. Everybody knows raising children is expensive, especially if you live in a major city.
Before Having Kids, Consider Spending Lots Of Money Read More »
Since I left my day job in 2012, I’ve been constantly preparing for economic devastation. I had to because I no longer had a safety net. My plan was to take a leap of faith and succeed. It would have been too embarrassing to ask for my old job back if I had failed. Besides,
Economic Devastation Might Be Exactly What We Need To Win Read More »
Before I was addicted to real estate, I was addicted to cars. At one point, I had owned eight cars over a 10-year period. And out of those eight cars, one was considered a luxury automobile: the Mercedes G500. Buying a G-Wagon in 2002 was one of my biggest financial regrets. Thankfully, once I became
A Surprising Benefit Of Driving A Luxury Automobile You Might Not Realize Read More »
The average income for Asian Americans is among the highest in America. For 2022, the median Asian American household income is roughly $80,000 compared the the median overall U.S. household in America of roughly $64,000. Asian Americans make up roughly 5.6 percent of the total American population as of 2022. The Asian-American population is expected
Average Income For Asian Americans By Different Asian Subtypes Read More »
