Whenever I want to change my behavior, I try to remember this rule: Replacing something is psychologically easier than just removing it. Example: I eat an ungodly amount of nuts. If you give me almonds, cashews, or pecans I’ll snack on them all day unconsciously. Nuts are generally healthy, but are domino…

Why stocks are an amazing form of leverage — Imagine the smartest person you know. They start a company with other incredibly smart, impressive people. They work 100 hour weeks and hustle like mad. One day, you learn that your friend’s company is raising money. You’d get shares of the company and potentially experience massive upside if the company…

After 1 year of feeling lukewarm, here’s why I finally felt comfortable enough to use Stablegains. — I finally got comfortable using Stablegains after sitting on the account for a year. This post will contain my referral links to Stablegains, which gets you a $25 bonus. Make sure the referral code IEWUE1AC27 is applied. A year ago, I started seeing Facebook ads for Stablegains.com. I thought it…

The power of thinking of money as a neutral force — We’ve all heard the phrase money is the root of all evil. Other people say money is the solution to the world’s problems. I invite you to think of money as neither good nor evil. Money is neutral. But first — why do we project so much meaning onto money? …

Leave no tip and risk being seen as stingy. Leave fat tips everywhere and create an unsustainable situation. And the confusing middle — if service sucks, is it bad to tip less? Here’s a heuristic that’s useful for life and finance: When the system is inconsistent, create consistent rules for yourself…

And the surprising “dream day” exercise — Financial freedom sounds good in theory, but the journey to get there makes a lot of people miserable. This is because financial freedom makes people fixate on a goal in the distant future. When I finally have $5 million, then I won’t worry anymore. Goals are meant to be motivating…

A framework to help you invest across 4 stages. — The investing world is a distracting place. Should you invest in stocks or crypto? What if you have debt, should you even bother investing? Sit back with a cup of coffee. I’ll explain how the Investing Pyramid can make every financial decision you make easier. _ _ _ Slow is…

A financial blogger should have a financial review, right? Here’s my inaugural review where I break down what happened to my finances and investments for the year. I’ll also make some predictions for 2022. Note: if for some reason you want to know way too much about my personal life…

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…