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At the start of summer, I made up a bucket list. I had the kids make one up, too. My 12-year-old took it seriously and came up with a few legit ideas. My 11-year-old wrote down “Exist.” I had a good laugh at that one because of the literal background of the term “bucket list.” I don’t think he knew that. Anyway, we mostly accomplished everything on the 11-year-old’s list and not too much more. […]
Save, invest, prosper with My Own Advisor. Weekend Reading – When did you stop budgeting? Well hello! Welcome to some new Weekend Reading on budgeting and more specifically, asking the question: when did you stop budgeting? In case you missed some recent posts… Last weekend, I wondered what is / is not the middle class: Weekend Reading – What is middle class… Join the million dollar portfolio journey. The article Weekend Reading – When did […]
I’m sure it’s not news to the BAD community that the American public education system (maybe private too) is failing our next generations by not teaching financial literacy in our schools. While I believe the original mindset was that it would be taught at home, it’s definitely not, and it’s a failure we should correct. This was brought to mind when I saw this graphic online, and was like “Yes!” And sadly, this is the story of my life. Yes, I know, I know. Senior Year Win I’m not sure I’ve shared this story before. It’s about the evolution of Princess education and how she ended up with a Bachelor’s of Finance. Yes, I know this has nothing to do with my debt journey, but I would say that my children had a pretty solid education on what not to do financially from me. Coupled with an education about the nuances of personal finance – budget, forecasting, credit score – as I learned about them. But it was her senior year of high school when she ended up in a high school economics class that her vision of finances really broadened and became real world. I am pretty sure it was a required course. Last semester of her senior year. I have no idea who the teacher was, but I am so grateful for her. She had the kids “buy” stocks and track them and report on them and research them and discuss them. Princess fell in love. She had already been accepted to college as an engineering major. But before the semester was over (high school), she had contacted the college to change her desired major to economics. Freshman Year Change We had already planned her college route. Get the basics out of the way, and then focus on the major classes at the end. But sophomore year, she was in gen ed money related class. And that professor altered her path after meeting with her during office hours a few times. He identified her aptitude, inquisitiveness, and basic financial competence, and recommended she join the college club affectionately referred to as SMIF, Student Managed Investment Fund. Through that experience, she once again changed her major from economics to finance and the rest is history. Through SMIF, she was able to travel to New York several times for competitions, was exposed a corporate world that both challenged and embraced her, and built her confidence in presenting, researching, and growth in ways I never could have imagined. What’s next for her… I’m so grateful that she is already so much further ahead than me in her knowledge of finance. And I’m especially grateful that one of my brothers is also in the corporate finance world so she’s had someone we trust to guide her, understand what she’s talking about, and I can’t wait to see what’s next. She’s now completed her onboarding training in the commercial banking world as an analyst, and is loving her job. The post Financial
Starting your own business is equal parts thrill and responsibility. I remember those first months when every dollar mattered and every mistake felt amplified; what… The post First-Time Business Owners Should Use This Financial Checklist appeared first on Savings and Sangria.
While multiple bank accounts allow you to divide your finances, mixing them up is easy when you have multiple of the same type. Using bank account nicknames helps differentiate between similar accounts. It also makes the online banking experience more visual, benefiting budgets and savings goals. In this post, I share the benefits of giving your accounts nicknames and offer some ideas to get you started. Bank Account Nicknames 101 What Is An Account Nickname? […]
Listen to the pod In this week’s Money Moments we discuss the difference between American and British business culture and why Brits might be feeling held back. Tune into the full episode YouTube: https://yt.openinapp.co/g7mrq2g Apple Podcasts: https://podcasts.apple.com/gb/podcast/i-spent-10-years-becoming-an-overnight-success-what/id1670382337?i=1000693869157 Spotify: https://open.spotify.com/episode/53tiY2YlzyhU5k20n4hwyo?si=AgHEanIDQeCLKT5MunJEdw ——— Take the FREE Money Personality Quiz https://upthegains.co.uk/quiz ——— Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212 https://www.trading212.com/join/MGP If you don’t receive the free fractional share – head to the menu and […]
Image Source: 123rf.com Did you know that how you treat your lawn can affect your garden? The chemicals used to achieve a healthy lawn often come with hidden costs. You may be chasing away critical pollinators without realizing it. Bees, butterflies, and other pollinators play a critical role in ecosystems, gardens, and food supplies. This simple mistake could reduce your garden yields, weaken fruit trees, and disrupt your neighborhood’s ecosystems. Here are eight common lawn […]
Image Source: Pexels Passive income has become one of the most overhyped promises in personal finance. Everyone wants to sell it as the key to financial freedom. Social media gurus, online ads, and even mainstream financial writers make it sound like money can flow endlessly while you do nothing. But many discover that so-called passive streams are anything but passive. Things like hidden costs, ongoing effort, and misleading claims make many side-hustles more work than […]
What if one of the best ways to get wealthy is to trick yourself into thinking you’re broke? It sounds counterintuitive, even ridiculous. But after decades of saving, investing, and observing how people behave around money, I’ve realized one thing: abundance often breeds complacency. When you feel flush, you spend more, work less, and get […] The post Artificially Feeling Poor May Help You Grow Rich One Day appeared first on Financial Samurai.
When Donald Trump signed his “One Big, Beautiful Bill Act” into law earlier this year, he declared it the largest tax cut for seniors in U.S. history. The law created a new senior deduction worth up to $6,000, a $25,000 tax break for tip income, increased SALT limits and partial exemptions for overtime pay. Read the rest
At a Glance Certain U.S. housing markets are projected to see significant price declines in 2025, with smaller cities like Greenville, MS (-16.7%) and major metros like New Orleans (-7.2%) and San Francisco (-6.1%) most at risk. Key factors driving these declines include rising insurance premiums, oversupply in fast-growing cities, and home prices that overshot local income fundamentals (especially in coastal and Sun Belt markets). For investors, the focus should shift from speculation to fundamentals—prioritizing cash flow, diversification, and strong locations rather than relying solely on price appreciation. For decades, home prices in the United States have been surprisingly resilient. In fact, during four of the last six recessions, home values actually increased rather than declined. The Great Recession was the rare exception, as it was triggered by the housing collapse itself. That’s what makes today’s market so unusual. Nationwide, home prices are starting to soften, and Zillow projects a 1% decline in home values over the next year. While that number may sound modest, it’s important to remember: A 5% drop in the stock market is a small correction. A 5% drop in home prices is a major deal. A 10% drop in home values is considered a housing bear market. Some local markets will continue to grow, but others are already flashing warning signs of significant declines. Below, we explore the small cities most at risk and the major metro areas projected to see the steepest declines in 2025. Disclaimer The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or investment advice. Always consult a licensed real estate consultant and/or financial advisor about your investment decisions. Real estate investing involves risks; past performance does not indicate future results. We make no representations or warranties about the accuracy or reliability of the information provided. Our articles may have affiliate links. If you click on an affiliate link, the affiliate may compensate our website at no cost to you. You can view our Privacy Policy here for more information. Small Cities with the Steepest Projected Home Price Declines According to Zillow’s 12-month forecast, these smaller markets face the biggest risks of falling property values: Greenville, Mississippi – projected to fall 16.7% Clarksdale, Mississippi – projected to fall 14.8% Pecos, Texas – projected to fall 13.7% Cleveland, Mississippi – projected to fall 13.6% Bennettsville, South Carolina
1. I’ve been ogling dogs again. They’re very cute and I want them. Challenges this week: What. Ant queen lays eggs that hatch into two species (and the Bsky thread that led me to it) Excuse me how did that happen. Highly Pathogenic Avian Influenza A(H5N1) Virus Infection in a Child with No Known Exposure […]
🎙️Episode #444 – Let’s into the numbers, risks, and realities behind that question, plus YOUR questions on cash flow, 1031 exchanges, and when to prune… The post Can 2 Rentals REALLY Retire You? (Listener Q&A) appeared first on Coach Carson.