Hard Word doesn’t equate Wealth They worked hard. Gave their best. Sacrificed much.Yet, for many of our parents, financial greatness never quite happened. So what held them back? And more importantly — what can we do differently? Let’s unpack it. They Chose Security, Not Scalability Our parents valued safety — and who can blame them? … Continue reading Why Our Parents Didn’t Make It Financially Big — And How We Can
personal finance
“Wealth Is a State of Mind” – Napoleon Hill
A lady who works hard but her money does not equate to her hard work “Money does not come to the busy, nor to the needy, nor even the deserving… Wealth is not earned by toil alone. There are millions of men who toil harder than the wealthiest, but who only receive a fraction of … Continue reading “Wealth Is a State of Mind” – Napoleon Hill
Work Hard or Work Smart: Which would you rather do?
Work Hard vs Work Smart Great question — and the short answer is: the ideal is to work both hard and smart. You don’t have to choose one over the other. But understanding the difference between them helps you maximize your time, energy, and results. 🔍 What’s the Difference? 🛠️ Working Hard Means putting in … Continue reading Work Hard or Work Smart: Which would you rather do?
When Convenience Meets Credit: The Klarna + DoorDash Dilemma
Klarna is a Swedish fintech company that offers “buy now, pay later” (BNPL) services, among other payment solutions. It lets shoppers split purchases into interest-free installments, pay after delivery, or finance purchases over time. It’s integrated with many online retailers and also has a mobile app where users can track spending, manage payments, and sometimes … Continue reading When Convenience Meets Credit: The Klarna + DoorDash Dilemma
Investing in Precious Metals
Platinum, Gold, Silver, and Copper Bars Investing in (precious metals) gold, silver, and platinum can be a solid strategy for diversification, wealth preservation, and hedging against inflation. These precious metals are tangible assets with intrinsic value, and they tend to perform well during economic downturns or times of high inflation. Here’s a breakdown of each … Continue reading Investing in Precious Metals
Let there be Eggs.
Different Types of Eggs. Egg prices rose to $14 for a dozen in some areas of Southern California; not sure what egg prices are nationwide. Eggs in my neighborhood used to cost $2.99 to $7.99; depending on the type of eggs you buy (white, brown, pasture-raised, free range, etc.) and where you shop for your … Continue reading Let there be Eggs.
Your Bank Mistakenly Deposits a Large Sum Into Your Account: Now What?
An unexpected windfall from yourbank Imagine checking your bank account and suddenly seeing trillions—or even just millions—mistakenly deposited. It sounds like a dream come true, but in reality, it can quickly turn into a legal and financial nightmare if handled incorrectly. Chase Bank recently made headlines after mistakenly depositing over $2 trillion into a customer’s … Continue reading Your Bank Mistakenly Deposits a Large Sum Into Your Account: Now What?
Part 2: Dynamic Pricing and Apartment Rentals
Dynamic pricing, often referred to as real-time or surge pricing, is a pricing model strategy powered by algorithms and data analytics where the cost of a product or service fluctuates based on market demand, competitor prices, time of day, or other variables., Surprisingly, dynamic pricing is prevalent in the real estate rental market. We touched … Continue reading Part 2: Dynamic Pricing and Apartment Rentals
Towards Financial Freedom: A Married Couple’s Guide to Unity in Finances
Marriage and Money Introduction “When two become one” isn’t just about sharing a last name or a home. It’s about uniting every aspect of your lives, including finances. For many couples, navigating money matters can be one of the most challenging and rewarding parts of marriage. Whether you’re newlyweds or seasoned partners, building a solid … Continue reading Towards Financial Freedom: A Married Couple’s Guide to Unity in Finances
Dynamic Pricing
Dynamic pricing across various industries. Dynamic pricing, often referred to as real-time or surge pricing, is a pricing strategy where the cost of a product or service fluctuates based on market demand, competitor prices, time of day, or other variables. This pricing model is powered by algorithms and data analytics, making it a key strategy … Continue reading Dynamic Pricing
Part 2: The Paradox of Insurance
The different types of Insurance Here's a concise overview of Part 1 of this article listing the essential insurance types for comfortable living in the U.S.: 1. Health Insurance is essential to cover medical expenses, which can be exorbitantly high without insurance. Types of health insurance are private (through employers or the marketplace), Medicare (for … Continue reading Part 2: The Paradox of Insurance
The Paradox of Insurance for the Average American: Part 1
Various Types of Insurance Coverages expected of the Average American The Insurance Industry has been in the news lately. But, honestly, when are they ever not in the news? Sadly, the CEO of one of the largest in the Industry was recently killed in an ambushed-style shooting. Our thoughts and prayers go out to his … Continue reading The Paradox of Insurance for the Average American: Part 1
Understanding Class Statuses in America: Does the Middle Class Still Exist?
In the United States, social class is more than just income—it encompasses lifestyle, education, occupation, and overall economic stability. The traditional class structure, often segmented into lower, working, middle, upper-middle, and upper classes, has been the foundation of American society for generations. However, as economic dynamics have evolved, so has the concept of the “middle … Continue reading Understanding Class Statuses in America: Does the Middle Class Still Exist?
How will you end the last quarter of 2024? Personal Performance Review
It’s performance review time. Only it’s going to be a self review. How have you done so far and how do you think you will end the last quarter of 2024? Honestly answering these questions will help us all to end better than we started. I cannot believe how fast 2024 went. It certainly confirms … Continue reading How will you end the last quarter of 2024? Personal Performance Review
Meal Prep-per for Hire
Meals prepped to save time and money Today’s topic is essential for personal finance purposes. If you want to save time and money, hire a dedicated meal prep-per for a fraction of the money spent dining at restaurants or ordering food delivery. It was a service I once incorporated into my catering business some years … Continue reading Meal Prep-per for Hire
Economics 101
Put on your thinking (or is it, your green) cap for some intro to some, and refresher for others. Set your brain to the left. I hope you came with your notepad (you’re allowed to use your iPhone), pen, and retentive memory. You will need this class for your lifetime. You might want to memorize … Continue reading Economics 101
How would you react if you lost …
Lost money be found I hate to lose anything. If anything; and I mean, anything is missing, I have been known to comb, sweep, and turn the house over looking for it. After, much travail and unable to find it, I’ll turn to ask Holy Spirit for help. 🤦🏾♀️ Does that sound familiar to anyone? … Continue reading How would you react if you lost …
The Poor, the Rich, and the Wealthy: Understanding the Key Characteristics and Differences Between Them
Key concepts between the Poor, Rich, and Wealthy https://brightlanelearning.org/2024/01/poverty-in-america/ In today’s society, wealth and financial status often serve as markers of success. However, not everyone fully understands the distinctions between being poor, rich, and wealthy. These terms are often used interchangeably, but they each represent different mindsets, lifestyles, and financial strategies. In this post, we’ll … Continue reading The Poor, the Rich, and the Wealthy: Understanding the Key Characteristics and Differences Between Them
Introduction to Stock Trading: A Beginner’s Guide
Icons in the stock trading Interested in stock investing? Another way to get started is by trading stocks. Read on: Investing in the stock market is a powerful way to grow wealth over time, but for those new to the concept, it can seem complex and intimidating. This guide aims to introduce you to the … Continue reading Introduction to Stock Trading: A Beginner’s Guide
Need Money to Make Money?
Do we need money to make money? The adage "It takes money to make money" has been ingrained in our collective consciousness for generations. It suggests that financial capital is the primary requirement for generating wealth. While there is some truth to this notion, it is not an absolute rule. Many factors contribute to financial … Continue reading Need Money to Make Money?
Money Relationships
Various Types of Money Relationships What relationship do you have with Money? Are those relationships innate (DNA) or self-derived? We all have money relationships that we are either conscious or unconscious of. Knowing those relationships and why will greatly help us with our money habits and relationships. What’s your Money Relationship? Money is a critical … Continue reading Money Relationships
Stop Press: Chipotle Stock Split!
1:50 Chipotle Stock Split At the close of business today, Chipotle, the casual restaurant chain, will have split its stock 50-for-1; making the stock more attractive for all. It’s the company’s first-ever stock split since its IPO (initial Public Offering) in 2006. Chipotle stock price today is a whooping $3,283.78. After the split, you can … Continue reading Stop Press: Chipotle Stock Split!
Buy a Home: Now or Later?
Buy a Honey or Wait? Many are wondering if it is a good time to buy and own a home. Though the rates are higher today than they were four years ago, the truth is that there is no guarantee whether the rates will go lower or continue higher. So what do home shoppers do … Continue reading Buy a Home: Now or Later?
Stock Split: Understanding What It Is, Why It’s Done, and Its Impact
Stock Investing and Split A stock split is a routine corporate action in which a company divides its existing shares into multiple shares to boost the liquidity of the shares. Although the number of shares outstanding increases by a specific multiple, the total value of the shares remains the same, as does the market capitalization … Continue reading Stock Split: Understanding What It Is, Why It’s Done, and Its Impact
Lifestyle Inflation
Lifestyle Inflation Is your Lifestyle rising, or competing with, Inflation? Pause to think on this. If your answer is “Yes,” you guessed right, your lifestyle is suffering from Lifestyle Inflation. Lifestyle Inflation refers to the phenomenon where an individual's spending increases as their income rises. This often happens because people start to spend more on … Continue reading Lifestyle Inflation
Would you rather Retire young or later at 65?
Retire Early or Later? Technology has accelerated the opportunity for many to make wealth such that those who desire to retire at a young age could do so. They don’t have to work till age sixty-five as required by the government. However, what does a 20-40 year old do after retirement? Retire Early Retiring young … Continue reading Would you rather Retire young or later at 65?
10 Highly Regarded Books on Personal Finance and Investing
A Google search of “total number of Personal Finance and Investing Books” produced 72 million in 0.71 seconds! It is impossible to read every one of the books. However, a rule of thumb is that one reads at least ten (10) books on any topic to gain mastery. Below are my ten (10) classic and … Continue reading 10 Highly Regarded Books on Personal Finance and Investing
Money vs Other Wellbeing
Talking about money makes us secure once we understand the role money plays in our life. How is your money life in relation to your other aspects of life - funny or funky? If you don’t like how it is, what are you doing about it? Start doing today what you envision to see tomorrow. … Continue reading Money vs Other Wellbeing
Why You Shouldn’t Max Out Your 401(k) – Of Dollars And Data
Why maxing out your 401(k) might not be as beneficial as you initially imagined. — Read on ofdollarsanddata.com/should-i-max-out-my-401k/ I think this is worth sharing for Monday Financial Nuggets. This is for you if you work 9-to-5, or have ever contributed to a retirement account, or are thinking of contributing. Many, if not all of us, … Continue reading Why You Shouldn’t Max Out Your 401(k) – Of Dollars And Data
Monday Financial Nuggets: The Poor, The Rich, and The Wealthy
The poor, the rich, and the wealthy: God made them all. Baring any financial inheritances, and level playing fields, God created all equal - one head, two eyes, and two legs. None was born with two heads and three or four legs, right? Such a being will no longer be human. Why then are some … Continue reading Monday Financial Nuggets: The Poor, The Rich, and The Wealthy
Want to be the next self-made multimillionaire? Follow these 10 tips
http://www.cnbc.com/2018/09/06/grant-cardone-10-tips-to-become-a-self-made-multimillionaire.html Monday Financial Nuggets: 10 Tips for the Next Multi-Millionaire by Grant Cardone The article is a bit dated, but its contents are still relevant today. I also don't know much about GC, but the tips sound surefire. Have a successful week ... To your financial success. 😍✌🏾
Of Wealth and Attitudes
Do you know what determines whether you will be wealthy or not? Or yet, if you’re wealthy, whether or not you’ll be able to manage and hold it? There is a science and art to wealth and most of us are still trying to figure it out. I do not have the right answer, but … Continue reading Of Wealth and Attitudes
Let’s Talk About BUDGET and Budgeting
Benjamin Franklin once said that “If you fail to plan, you will plan to fail.” What are your thoughts on the above quote? . . . I am a big proponent on planning and I believe that planning is essential in one’s personal, professional, and/or business lives. There’s no better place to plan than one’s … Continue reading Let’s Talk About BUDGET and Budgeting
Think-Talk 
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