5 Rules for Smarter Saving

You don’t need to work harder — just save smarter. A High-Yield Savings Account (HYSA) is one of the easiest ways to make your money do more, with zero effort and zero risk.

If you’re still parking your emergency fund or short-term savings in a traditional bank account, ...

Ranked and Reviewed — So You Don’t Have To!

🖥️ Reading time: 6 minutes

Stop earning pennies — it’s time to let your savings do the heavy lifting. If you're still keeping your money in a traditional bank account, you're missing out on serious interest earnings. In this guide, I'll break down exa...

Published: April 25, 2025 | 5 min read

If you're making too much money to contribute to a Roth IRA, congratulations—and welcome to the club that still needs to play by the tax rules.

If your income is too high to directly contribute to a Roth IRA, the Backdoor Roth IRA is your legal cheat code....

No trust fund? No rich parents?

🖥️ Reading time: 5 minutes

Guess you’re just destined to grind forever… right?
Wrong.

Financial freedom isn’t about luck, six-figure salaries or winning the lottery. It’s about following a clear, repeatable plan — one that works even if you’re starting at $0.

Th...

🔥 Here’s a truth bomb:

🖥️ Reading time: 3 minutes

“If you’re not using a Roth IRA, you’re voluntarily signing up to pay more taxes—forever.”

Most people think retirement planning is just about stashing money away. But if you’re not thinking about how your money gets taxed later, you’re missing...

Ever feel like your paycheck barely covers your life, let alone your goals?

🖥️ Reading time: 5 minutes

You're not alone. Five years ago, I was a public school teacher with zero side hustles. Today, I’ve got 10 income streams—and 7 of them didn’t even exist back then.

So if you're wondering wha...

🧠 “Everyone’s a genius in a bull market—until it crashes.”

🖥️ Reading time: 5 minutes

Most folks don't think about protecting their retirement accounts until it’s too late. Then they panic. But real wealth is built by having a plan BEFORE the storm hits.

If you’re wondering what happens to you...

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...