Oz Chen
Writing about personal finance OzChen.com and UX Design on UXBeginner.com

Put your money where your mouth is

50% of Americans hate to cook, according to a Harvard study.

People are eating out more than ever compared to shopping for groceries. It doesn’t help that it’s easier than ever to order delivery from apps like DoorDash.

Even if most people know they can save money by cooking, they’re…

My tendency is to look forwards in time. What’s next? This means I have a resistance to doing things like reviews. My brain’s novelty bias avoids stuff that feels old. But there’s a reason I reviewed 2020 and why I’m doing it again now: it helps me make memories.

This…

Plus: No Loss Lotteries, White Elephant Origins, Think In Percentages and Budgeting Against Net Worth.

Compliment of the week: You make things easy for yourself, and others.

I hope this newsletter receives you in good spirits. The holidays can be a fun and stressful time, but I’m just glad it’ll be normal-ish compared to December 2020. I’ll be seeing family in Florida for the first…

Plus: Money Coaching, Market Crashes, Underearner’s Anonymous and Liquidity Mining.

Compliment of the day: You’re coachable.

In this edition I cover the top limiting beliefs that stop someone from investing. Then I talk about how I’m offering my expertise as a Money Coach(!), Market Crashes, Underearner’s Anonymous and Liquidity Mining.

🤯 10 limiting money beliefs that stop you from investing

“I have extra cash to invest…but I’m not good at…

Plus: Return on Entertainment, BF Shopping Hacks, Investing Deals and Downgrading Cards.

Compliment of the day: You have a grateful heart.

This is Thanksgiving week so I’ll riff on the idea of gratitude. Then I’ll cover Return on Entertainment, BF Shopping Hacks, Investing Deals and Downgrading Cards.

🙏🏼 Small gratitude leads to big gratitude

Years ago, gratitude became vogue. I don’t know which TED talk went viral or if…

Plus: Lump Sum vs Dump, Stablecoin Interest, Married People Are Richer (Kinda), and Wooden Credit Card

Compliment of the week: You have a free spirit.

This week I’ll start with with something I’ve never written about before: my journey to financial freedom.

Plus: Lump Sum vs Dump, Stablecoin Interest, Married People Are Richer (Kinda), and Wooden Credit Card

🦅 How I became financially free before 30

I didn’t think financial freedom would be possible…

Oz Chen

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