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Sammie Ellard-King I’m Sammie, a money expert and business owner passionate about helping you take control of your wallet. My mission with Up the Gains is to create a safe space to help improve your finances, cut your costs and make you feel good while doing it. Most money advice sounds great on paper but falls apart when you actually try it. You know the type – the stuff that assumes you’ve got a spare […]
If you’ve been searching for easy, low-effort ways to save money when you’re burned out, you’re not alone. There may comes a season in your frugal living journey where everything just starts to feel… heavy.The budgeting, the planning, the constant decision-making…it can wear you down, especially when life is already full. Maybe you’re tired of tracking every dollar.Maybe you’ve lost the motivation to cook from scratch every night.Or maybe you’re just mentally worn out from trying […]
Don’t miss an episode of our podcast, Personal Finance for Long-Term Investors. Available on all podcast players. Here’s the latest episode: Time for another cautionary tale! A client sent me this video last week, along with the question: “Is this legit – or fake news?“ If you don’t have time to watch it, the creator (John) suggests that a retired couple can have $3.23 million in their portfolio, withdraw exactly 4% per year (~$130K), and never pay taxes on it. My response to my client: He is making a major tax law mistake. There is a kernel of truth to what he’s saying. But it’s mostly bad advice. Online financial content is a “buyer beware” landscape. John’s Major Tax Error Why is John wrong? First – yes, 0% capital gains tax is a real thing. Here’s some of my previous work on the topic: The Numbers Behind Tax-Gain Harvesting 0% Capital Gains vs. Roth Conversions: How to Optimize? But John makes, frankly, a terrible assumption in his analysis: That capital gains are the ONLY income source you have in retirement (!!!) He is assuming no Social Security. No interest income. No dividend income. No pension income. No withdrawals from Traditional 401(k) or Traditional IRA accounts (and therefore no required minimum distributions). No Roth conversions. No other income!!! The only income he’s thinking about is capital gains income. So – why is this such a big error? Because all of those income types I listed above can be taxable, reducing the remaining space to realize 0% tax on capital gains. I work with $3M retirees who have more than $100,000 in “unavoidable” taxable income annually. Interest, dividends, capital gains, IRA withdrawals, etc. That income fills space in their tax return that can no longer be used for 0% capital gains harvesting. The idea of realizing $130,000 in 0% capital gains in one year – let alone every year – is not even “questionable.” It’s purely misleading. Duh, Jesse… I hear people saying, “C’mon, Jesse, of course we’re not going to believe some random influencer.” Fair enough. But this guy has over 1 million followers (!!) across TikTok, Instagram, and other channels. He’s speaking authoritatively. He’s “showing you the math” in the video. People are drinking this Kool-Aid. And to be fair to John, he’s far from the only influencer of this ilk. The online finance creatorsphere is rife with bad advice. The blind are leading the blind. Thank you for reading! Here are three quick notes for you: First – If you enjoyed this article, join 1000’s of subscribers who read Jesse’s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime. Second – Jesse’s podcast “Personal Finance for Long-Term Investors” has grown ~10x over the past couple years, now helping ~10,000
What happens when you’ve achieved the financial success you once dreamed of, but something inside you starts asking for more or different? In this episode, I sit down with Tiffany Aliche, also known as The Budgetnista, for a real and layered conversation about evolution, grief, purpose, and what it looks like to transition into a new season of life. Tiffany shares her journey from being in deep debt and rebuilding her life from scratch to […]
Parenting can feel so much harder than it needs to—not because you’re doing anything wrong, but because most of what you’ve been taught focuses on controlling your kids instead of connecting with them. In this episode, I’m sharing the parenting rules I actually live by as a mom of three and a mom coach—rules that prioritize connection first, so everything else in parenting gets easier. This is the foundation for raising kids you have a […]
How $100 Can Improve Your Life and Finances (And How to Get $100 FREE) The post How $100 Can Improve Your Life and Finances (And How to Get $100 FREE) appeared first on The Thrifty Issue.
Many retirees await the day they can say, “I have enough.” But the reality of having enough money to retire often brings surprising stress. When our retirement number is reached, we often believe that all of our problems are solved. Yet, achieving this reality can deliver “retirement anxiety” including stressors and issues, you never considered. Contents Toggle Learn How to:The Unexpected Challenge of “Having Enough”Why Reaching “Enough” Can Trigger Unexpected StressTackle Your Retirement Stressors Head OnDefine Your Retirement Purpose (Because Money Isn’t the Driver Anymore)Spend With IntentionCreate a Flexible Plan for Your TimeSummary: Navigating the Emotional Complexity of Financial IndependenceRelatedSources This article may contain affiliate links which means that – at zero cost to you – I might earn a commission if you sign up or buy through the affiliate link. Learn How to: Overcome Retirement Anxiety: Why reaching your financial “enough” number can unexpectedly trigger stress and identity loss. Mental Frameworks for Retirement Transition: Using CBT and Socratic questioning to challenge fears of worthlessness or financial insecurity. Define Purpose & Legacy: Shifting from a “saving mindset” to intentional spending and rediscovering your significance outside of a job title. Flexible Time Management: Tips for structuring a routine that balances personal growth, social connection and meaningful experiences. The Unexpected Challenge of “Having Enough” You’re in a unique club, one that you might be hesitant to acknowledge. You’re financially secure, you have time freedom and yet you may feel uneasy, anxious and without direction. You’ve spent years planning for a secure retirement, but no time planning what to do, when you achieve your goal. This article will touch on your retirement purpose, now after leaving the workforce, your identity, time, money and your legacy. Why Reaching “Enough” Can Trigger Unexpected Stress We’ve all experienced major life transitions; our first apartment, job, house, spouse and more. These types of changes, earlier in our lives, were usually exciting and led to new and bigger lives. These are the challenges and glories of adulthood. Retirement signals the passage of time, towards the end of life. It can indicate the end of a satisfying career, work friends and status. You might wonder, who am I, if I don’t have my job title? Several research studies, cited in a Harvard Business Review article entitled, “Coping With the Stress of Retirement,” by Ruth C. White, claim that some retirees experience increasing rates of depression and some memory impairment. The following retirement strategies can help. Despite having enough money saved, retirees might fear spending and feel pressure to be “perfect” in how they spend their remaining time. Fortunately, the emotional side of retirement can be improved by tackling the sources of your retirement anxiety and developing a plan for the next life stage. If you need help with your investments, we’ve partnered with WiserAdvisor to provide you with access to three vetted Financial Advisors – in your area. Click the image below to sign up. (no obligation when signing up) Tackle Your Retirement Stressors Head
You can get free food on your birthday at dozens of restaurants, but most people miss out on a lot of free… The post 70+ Restaurants That Give You Free Food on Your Birthday in 2026 appeared first on MoneyPantry.com.
Image Source: Unsplash With grocery prices still elevated and job security feeling shakier than it used to, more Americans are turning to online income to close the gap. But not all online opportunities are worth your time — especially the ones that pay pennies. These eight options are real, proven, and currently paying Americans far more than “beer money.” Some even turn into full‑time income. 1. Remote Customer Chat Support (Many Roles Pay $17–$24/hr) Companies […]
As of today, I’ve published 500 blog posts online since January 2017. That’s slightly more than 1 per week. Given this, I wanted to discuss the biggest lessons I’ve learned from this and how they can help you. Consistency Beats Everything If there were one idea that I could bestow upon anyone who wants success in life, it’s—consistency beats everything. This is true in investing, in fitness, in your career, with your relationships, and so much more. It’s been true everywhere I’ve ever looked. Those who are consistent outperform those who aren’t in the long run. Kobe Bryant is probably the best example of this. Kobe was known for his early AM workouts, but what he did to prepare for the 2012 Olympics was on another level. One trainer for Team USA described how he helped Kobe work out for 75 minutes at 5 AM, went back to his hotel to get some sleep, and then returned by 11 AM to see Kobe still practicing. Kobe had never left and told the trainer that he wanted to make 800 shots before the main practice at 11. And he did. Kobe outworked everyone in the league and is today considered one of the greatest basketball players of all time as a result. Consistency can also be used to make seemingly impossible tasks far more manageable. For example, when I was writing The Wealth Ladder, I knew I had to end up with a book that was around 55,000 words. This can seem insurmountable when staring at a blank page. But when I broke it up across 6 months, I realized I only had to write a little over 300 words a day. That wasn’t too bad. A few paragraphs a day and I’d end up with a book. All I had to do was be consistent. No matter what you pursue in life, consistency is the trick to get through it. It’s also how you improve as well. Doing is Improving When I first started blogging, I wasn’t a great writer. Read my earliest work and you’ll see. Actually, don’t read it. Because if you did, you’d see that I don’t have a God-given talent for prose. I’m much more of a numbers guy than a poet. But things didn’t stay this way. I kept writing week after week. And, slowly, I got better. I didn’t read books on “how to become a better writer” or take an online writing course. I just kept writing. The act of doing was how I improved. And this improvement didn’t happen all at once either. I didn’t go to bed one night a bad writer and wake up a good one. No, it was a gradual process that I’m still working on almost 10 years later. Why is doing the ultimate form of mastery? Because it forces reps, reps, reps. That’s how you learn and get better. Don’t just take it from me though, consider one of my favorite experiments on the topic. In the
You are probably overpaying for electricity right now. We’re talking $100 to $200+ annually just thrown away. For typical families, that’s real money. The fix? Five minutes. Here is why 63% of Singapore households are still throwing money away on SP Group’s default price plan, and how to stop being one of them. The electricity […] The post Best Electricity Plans In Singapore (2026) appeared first on Turtle Investor.
May is here! Is your budget done? Take a quick look at these potential expenses. See if you need to add any of them to your May budget before we get any further into the month. The post DO YOU NEED THESE EXPENSES IN YOUR MAY BUDGET? appeared first on a life on a dime.
Just Google the term “get rich” and you’ll see a ton of results for ways to get ahead as easily as possible. And it’s not just get-rich-quick schemes too. There are now a growing number of legitimate money-making opportunities on and offline. Still, there’s a gap between the number of people obsessed with getting rich and those who achieve this elusive benchmark. After all, the road to wealth is filled with hurdles — whether circumstantial, […]