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Oz Chen
Oz Chen

820 Followers

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Feb 21, 2022

Little money? Invest in yourself. More money? Invest in others.

When there isn’t much capital to play with, the biggest returns you’ll get is from investing in yourself. — Let’s say someone is thinking about investing $1000. They find a stellar 10% annual return. Should they invest? ROI: 10% is a great return by most measures Total dollar return: $100 may not make a big difference In money coaching conversations, I often get questions like: How much should I…

Finance

4 min read

Little money? Invest in yourself. More money? Invest in others.
Little money? Invest in yourself. More money? Invest in others.
Finance

4 min read


Feb 14, 2022

Habit change hack: Replace, don’t remove

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. …

Finance

2 min read

Habit change hack: Replace, don’t remove
Habit change hack: Replace, don’t remove
Finance

2 min read


Feb 7, 2022

Stocks = magical levers for other people’s time

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…

Finance

2 min read

Stocks = magical levers for other people’s time
Stocks = magical levers for other people’s time
Finance

2 min read


Feb 6, 2022

Stablegains Review: 15% APY Crypto Savings Account

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…

Finance

5 min read

Stablegains Review: 15% APY Crypto Savings Account
Stablegains Review: 15% APY Crypto Savings Account
Finance

5 min read


Feb 3, 2022

Money is neutral, but we make it mean something

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? …

Finance

4 min read

Money is neutral, but we make it mean something
Money is neutral, but we make it mean something
Finance

4 min read


Jan 31, 2022

Tipping is fucked. How I created my own system for tips.

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? …

Finance

3 min read

Tipping is fucked. How I created my own system for tips.
Tipping is fucked. How I created my own system for tips.
Finance

3 min read


Jan 30, 2022

How to create a rich life now — especially when financial freedom feels far away

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…

Finance

3 min read

How to create a rich life now — especially when financial freedom feels far away
How to create a rich life now — especially when financial freedom feels far away
Finance

3 min read


Jan 24, 2022

The 4-step framework to help beginner investors automate 90% of their financial decisions

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…

Finance

11 min read

The 4-step framework to help beginner investors automate 90% of their financial decisions
The 4-step framework to help beginner investors automate 90% of their financial decisions
Finance

11 min read


Jan 17, 2022

Financial Review 2021: My Portfolio Changes, Best and Worst Performers, and Future Predictions

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…

Finance

12 min read

Financial Review 2021: My Portfolio Changes, Best and Worst Performers, and Future Predictions
Financial Review 2021: My Portfolio Changes, Best and Worst Performers, and Future Predictions
Finance

12 min read


Jan 13, 2022

Cooking is a hidden financial skill

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…

Finance

4 min read

Cooking is a hidden financial skill
Cooking is a hidden financial skill
Finance

4 min read

Oz Chen

Oz Chen

820 Followers

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

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