You’re Broke Because You Have No System

You make money. You spend money. Yet, somehow, at the end of the month… there’s nothing left. Sound familiar?

Most people wing it with their finances. And that’s why most people stay broke.

Here’s the truth:

• 60% of Americans live paycheck to paycheck.
• T...

How To Grow Your Money In 2025—And Beyond!

Most people think making more money is the answer. Wrong.

Wealth isn’t about what you earn—it’s about what you keep and grow.

If your money isn’t working for you, you’re working for money forever. That’s why you need these 7 financial “eggs” to protect, ...

Here's What I'd Do If I Had To Invest My First $10,000 Again

Let’s cut to the chase. If you’ve got $10,000 to invest and don’t know where to start, you’re in the right place. I’ve been there, made mistakes, and learned the hard way. Now, after hitting a portfolio of more than a million, I know exac...

The Journey from Teaching to Financial Independence

Five years ago, seven of my income streams didn’t even exist in my life. Back then, I was just a public school teacher in California with a single source of income — my teaching salary. I believed that financial success came from working hard, cli...

And What To Do About It

Ever scrolled through social media and felt like everyone else is winning at life while you’re stuck budgeting down to the last dollar? You see someone your age in a Ferrari, while you're debating if guac is worth the extra $2. I get it!

Let’s unpack the six biggest reasons...

Nobody Talks About This Secret — They Should!

About eight years ago, I discovered a secret: getting rich isn’t about waking up at 4 AM, taking ice baths, or journaling your intentions. It’s about small, consistent habits — ones that don’t feel like much at first but snowball into massive results ov...

If you want to stay broke, keep doing what you’re doing. But if you’re serious about saving money, you don’t need a drastic lifestyle overhaul. Small, consistent habits add up.

I always talk about how you can start investing with just $24 a week. But did you know that 61% of Americans don’t track t...

 🛑 Short answer: YES.

If you’re selling options in a taxable brokerage account, you’ll owe capital gains taxes on your profits.

When Are Options Taxed?

📈 You owe taxes when you realize capital gains, such as:
✅ An option expires worthless, and you keep the full premium.
✅ A covered call is ass...

Why is it Important?

🧐 Ever heard of cost basis but not sure what it means? Do you even need to care as an investor or options trader?

Simple Answer:

💰 Cost basis is the original price you paid for an investment.
📊 It’s important when selling stocks or options because it determines your capital g...

❓On a Monday?

❓At 9:30 AM when the market opens?

❓After a stock dips to a certain level?

🤷 Who knows! And that’s the beautiful thing.

🌤️ When it comes to long-term investing, timing the market can feel like trying to predict the weather.

Common Theories About Timing the Market

📈 "O...