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Another day, another debt consultant case, but this time with a very clear message from the Official Receiver (a federal government official who works for the Office of the Superintendent of Bankruptcy). In a recent Report of the Official Receiver regarding a consumer proposal filed in Alberta, the court was asked to consider a fundamental question: Will a consumer proposal receive court approval if the debtor refuses to disclose payments made to a debt consultant? […]
If you’re angling for a promotion or a new job, the best way to showcase your accomplishments and make a case for your worth is by writing a brag sheet. “Brag sheet?” cry you. “But I am a mindful, demure, and humble team player! How could I ever do anything so gauche and uncouth as bragging??? That would make me appear pompous, full of myself, unworthy of respect or further responsibilities! Why, I would rather languish in an underpaid and overworked position for eternity than to so debase myself by bragging!” Yes, the operative word in “brag sheet” has a negative connotation. And as much as we all admire humility, when it comes to getting ahead in this cutthroat capitalist job market, you need to banish the idea of humility from your mind. Humble people toil away in obscurity. Braggarts get promotions. Which is why today we’re going to talk about how to effectively brag your way to the top… with a brag sheet! [embed]https://youtube.com/watch?v=qHyG31B55mg&feature=oembed[/embed] What’s a brag sheet? We’ve written before about how waiting around for a promotion at work just, uh… doesn’t work. And frankly, fabulous job opportunities generally don’t land in one’s lap either. If you’ve got upwardly mobile ambitions for your career, you usually need to work very hard at it. Here’s some of what we’ve already written about how to do that: A Millennial’s Guide to Growing Your Salary You Need Really Need To Ask for a Raise. Here’s How. Santa Isn’t Coming and Neither Is Your Promotion: How To Get Promoted How I Chessmastered Myself Into a Promotion at Work Job Hopping vs. Career Loyalty by the Numbers The Fascinating Results of Our Job Hopping vs. Career Loyalty Poll … Unless you’re the scion of a generationally wealthy family, in which case, ignore all of our advice! You’ll have much better luck just asking your dad for a job. While you’re making seven figures in your mid-twenties you’ll wonder why nobody cool wants to be your friend. But I’m sure that’s a small price to pay for [checks notes] contributing to the economic and class disparity that is slowly killing our planet and consigning millions to lives of abject misery. The tl;dr of it all is that if you want a raise, a promotion, or a new job, you need to put blinking neon lights all around your work accomplishments and hire a gospel choir to sing your praises everywhere you go in the job market. This is where a brag sheet comes in. It’s literally just a document that lists your work accomplishments. (Which is way more practical than hiring a choir and commissioning neon signs, to be honest.) Your brag sheet is also
Analysis of Hims & Hers Q4 2025 results, GLP-1 compounding risks, labs, and the $1.15B Eucalyptus acquisition. The post Hims & Hers Q4 2025 Earnings: Growth Amidst Regulatory Crosswinds appeared first on Time in the Market.
What if I told you that getting a college degree provides no long-term financial benefits unless you get married? What if I told you that the typical single business owner is wealthier than most married couples who don’t own businesses? Though both of these statements might seem far-fetched, statistically, both are true. For the past few years I’ve been obsessed with understanding how wealth is built in the United States. I even published a book about it. Despite this, my quest hasn’t stopped. I recently ran a bunch of regressions on my favorite wealth dataset (the Survey of Consumer Finances) and I was a bit surprised at what I found. The punchline is that the two most common paths to wealth in the United States are: Marry a college graduate (or get married as a college graduate) Start a business Individuals in these two groups have more wealth than all the other groups I examined. But before I explain why this is true, let’s start by discussing what predicts wealth in the first place. What Predicts Wealth? When it comes to predicting who has wealth and who doesn’t, the first thing I considered was age. After all, age is highly correlated with wealth accumulation because older individuals have had more time to work, save, and invest their money. For my first model, I simply regressed U.S. household net worth against different age cohorts (
I wanted to provide an update on upcoming changes at Root of Good. Don’t worry – a lot will stay the same, but there will be a few changes. I’ll elaborate more below, but in a nutshell, I plan to take a one year hiatus from posting highly detailed income, spending, and net worth reports. What stays the same? I hope to continue posting monthly updates of some sort. We go on a lot of […]
Most years, I do pretty well with earning extra income from bank bonuses, but in 2024, life got in the way. As a result, I only completed a handful of bank account bonuses, earning just a few hundred dollars from them. It was my worst bank account performance in a decade. Knowing this, in 2025, I made it a goal of mine to get myself back on the bank account bonus train. 2025 ended up […]
How to save money when you book and stay at a hotel in the UK This is a version of the article I wrote for the Guardian Book on a Tuesday, try for freebies: how to get the best deal on a UK hotel room 1/10/25. Book at the right time Leisure travellers often book over the weekend, when they have more time to plan. By early in the week, business travel schedules are usually […]
Becoming a parent has turned me into an involuntary firefighter. I don’t get a cool hat, or get to drive a big red truck, but I do get woken up in the middle of the night to deal with pee-soaked bedsheets, or having to deal with a mid-day meltdown in the middle of the grocery store, or hearing the sound of glass shattering as another dish gets broken. I used to be able to leisurely […]
I watched Spinal Tap for the millionth time recently. It has a load of great lines including this one: There’s a fine line between stupid and clever. There’s also a fine line between cheap and frugal… Don’t Be Cheap I went hiking a couple of years ago with a group of folks. Afterward, we went […] The post Rant: The Fine Line Between Cheap And Frugal appeared first on 1500 Days to Freedom.
Financial independence does not just equate to a figure. It should be seen in terms of building a life that may be in tandem with the freedom to make choices and long-term satisfaction. A lot of full-fledged design and lifestyle guides focus on purposeful choice of assets, conscious consumption and tactical ownership. In this post, the purchase of a riverfront house in District 9, Singapore is not just something about luxury, but a good architecture […]
I want to tell you a story about purpose in three parts. Let’s start. Part I: The trap of the social script Most of us start our lives on autopilot. It’s not because we’re lazy. It’s because we’ve been trained to follow “The Script.” You know the one: Get the degree. Get the job. Get the promotion. Make some money. And so forth. I followed the script perfectly until I was 28. From the outside, […]
Hey everyone! If you haven’t heard, the New York Federal Reserve concluded that U.S. consumers and businesses are paying 90% of Trump’s tariffs in 2025. Thanks Trump, for making everything more expensive. Fortunately, relief might be on the way. The Supreme Court struck down Trump’s “emergency” tariffs. Or maybe not… Trump hit back with a 10%, no 15% Global Tariffs. Who knows what it’ll be up to by the time you read this blog post? One thing we know for sure is that U.S. consumers will pay more and more to enrich Billionaires. We can’t control trade policy, but we can control lifestyle inflation. Lifestyle inflation is a key factor to FIRE. Most U.S. workers (64%) live paycheck to paycheck. The more they make, the more they spend. If you can keep lifestyle inflation under control, you’ll be able to save more and achieve financial independence sooner. That doesn’t mean freezing your lifestyle forever. Some upgrades are natural, even healthy. The key is intentional spending, not mindless upgrades to “keep up with the Joneses.” I retired early in 2012. I can’t believe it’s been 14 years! Let’s see how the RB40 household has handled lifestyle inflation since then. Lifestyle Inflation Housing: A+ In 2012, we lived in a 2-bedroom condo with an awesome view. It was great, but we outgrew the condo. We wanted a yard and a nicer neighborhood for RB40Jr. In 2019, we moved to our duplex. (We lived in one unit and rented the other one out.) It’s been a big win. RB40Jr can walk to school and hang out with friends in the neighborhood. We share some expenses with our tenant. Rental income covers the mortgage. Our monthly housing expense is actually lower now than in 2012. We have done really well here and kept our housing expenses under control. Most of my friends have nicer homes and they spend much more on housing. That said, change is coming. RB40Jr is a teenager, and we need more space. Next year, I’ll ask the tenant to move out, which will double our housing cost. After high school graduation, we’ll probably sell and downsize again. For now: A+. Transportation: A+ We bought a new Mazda5 right before our son was born. Fifteen years later, we are still driving it. The odometer is almost 100,000 miles, and it’s still going strong. The minivan is full of dents and dings because we park on a busy public street. But I don’t really care about cosmetics as long as it runs reliably. I would like a nicer vehicle, but I’m not in a hurry. Why buy a nicer car when it’ll get banged up on the street? We did really well in this category: A+. Groceries: B In 2012, I went grocery shopping at WinCo regularly. They are cheaper than Safeway and other local grocery stores, but it takes 20 minutes to get there. These days, I’m lazier and shop at the neighborhood Trader Joe’s and Safeway. It’s easier,
This Revolut vs Monzo guide is designed for beginners who want a clear, simple comparison of the two most popular digital banks in the UK…. The post Revolut vs Monzo: Which Is Right for You appeared first on Money Nuggets.