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On The Money Nerds Podcast we are tackling the not so fun, but oh-so-important topic of creating your own dead box. What is a Dead Box? And Why You Need To Create One A “Dead Box” is essentially a digital folder of all the important financial documents that your loved ones would need for when you pass. Having this information organized, updated, and easy to access is one of the kindest things you can do […]
Whether it’s tax time or not, taxes are often on the minds of Canadians. When it comes to our investments, this is also true. And while some accounts offer tax-free returns (TFSA), not all investment returns are taxed the same. Understanding how your investments are taxed can help you keep more of your hard-earned money in your pocket. In Canada, there are 2 main account types Canadians can invest in: registered accounts (such as the […]
Want to retire before age 59 ½? Have most of your wealth in traditional tax-deferred retirement accounts? Worried about the 10 percent early withdrawal penalty? This post is for you! Picture it: You’re age 53, have $50,000 in a savings account, a paid-off home, and $2.5M in a 401(k). Including income taxes, you spend about […]
If you’re one of the wealthy, powerful, litigious people I’m about to cast in a not-so-favorable light, welcome! Congratulations on all your success! I urge you to note our (laughably tiny) total number of YouTube subscribers and reflect upon this Wikipedia article before deciding to make a whole thing about it. CEOs aren’t so popular right now. To prove this, I can give you statistics on how much the American public hates them—they really, really do—or I can just ask you to remember the moment when UnitedHealthcare CEO Brian Thompson was killed. He was assassinated in cold blood, on a public street, in broad daylight. And the public didn’t mourn it—they celebrated it. Reactions to the news ranged from contemptuous indifference to sadistic glee. Many people view his alleged killer, Luigi Mangione, far more sympathetically than they did Thompson. The prosecutors in that case believe there’s a serious risk that the jury may rule in Mangione’s favor. Not because he didn’t do it—but because they understand why he did it. And it’s not just healthcare CEOs. Wesley LePatner was the CEO of Blackstone’s Real Estate Investment Trust. They’re a private equity giant headed by Lehman Brothers alumni specialized in buying up real estate in the midst of our ongoing housing crisis. When she was shot and killed in her Manhattan office, there was some excitement online that she may have been targeted for this reason. As it turns out, she appears to have been an unlucky casualty of a gunman who wanted to terrorize different executives. But there is clearly an appetite for violence against people in business leadership. And that appetite is growing. People who scrape by on less than $50K a year hate CEOs about three times as much as middle-class folks. And since joblessness is rising and wages have stagnated, the number of low-income people is growing, and so presumably is hatred of CEOs. Now, I don’t blame people one bit for loathing CEOs. I think their rage is pretty logical. When my parents were born, a CEO earned about 20 times more than their workers. They now pay themselves 630 times more. CEOs have been talking out of both sides of their mouths, bragging about record-breaking quarters while wringing their hands when employees beg for really basic shit like a full headcount. They’re yanking back work-from-home opportunities, which they hypocritically still grant to themselves. They’ve gone all-in on AI designed to make their own workforce obsolete. They’ve kissed the ring of fascists… with tongue. And many work harder to cultivate a mythologized public image than to actually do good, and they get all pissy when people notice they’re full of shit. In a time when most people live one medical crisis away from bankruptcy, CEOs live rarified lives that the rest of us can only dream about. Money is so cheap to them they can afford to rent whole cities for their weddings, build mega-mansions on private islands, work remotely from their private yachts, seek immortality
Start Building Wealth Now With the Best Investment Advice for Millennial Women Millennial women, we have a lot going on right now. We’re fighting for equal pay while simultaneously facing difficult employment prospects, crippling student loan debt, and inflation that makes it tricky to afford having a family and homeownership simultaneously. None of that is a reason to let our investments fall by the wayside, however. If anything, millennial women need to have even more resiliency and financial know-how than former generations. Since many of us graduated college or were in the early stages of our careers during the Great Recession, we are facing challenges the women of prior generations did not. Contents Toggle Start Building Wealth Now With the Best Investment Advice for Millennial WomenTip 1: Educate Yourself (It’s Easier than You Think!)Tip 2: Retirement Planning Strategies for Women in Their 30sTip 3: Diversify Your Investments to Balance RiskTip 4: Think Long-TermTip 5: Don’t Let Fear Stop YouFAQRecap: The Best Investment Advice for Millennial WomenRelated 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. If you’re not sure where to start, don’t panic. We’ve compiled the best investment advice for millennial women right here so you can be sure your money is working just as hard as you are. Read on for 5 tips to become an investor. Tip 1: Educate Yourself (It’s Easier than You Think!) If you’re worried that learning how to invest is going to be complicated, you’re in good company. Lack of knowledge, perceived or actual, is one of the biggest factors keeping millennial women from investing. This puts them at a distinct disadvantage when compared to their male counterparts. Many women do save money, of course, but they tend to keep their money in liquid or semi-liquid accounts such as money markets and CDs. These accounts have such little growth potential that Time Money estimates women on average have one million dollars less than men do upon retirement. Shocking, right? To counteract this gap, I give you the best investment advice for millennial women (or anyone, really): educate yourself. Quick read to get you started wealth building and investing – How to Get Rich; Without Winning the Lottery A word of caution, though. Don’t let the quest for knowledge keep you from actually investing. An afternoon of thoughtful Googling (or staying right here and perusing our blog!) can give you enough information to help you start investing today. You can start educating yourself right now without even leaving this site. Get more of the best investment advice for millennial women here! [embed]https://youtube.com/watch?v=gOv7SVNaHyM&si=_UVObWaqAWOj8WvF[/embed] Tip 2: Retirement Planning Strategies for Women in Their 30s The millennial age range is wide, but no matter where you fall you should be thinking about retirement now. Social Security is in desperate straits and gone are the days when the employer pension would cover all of
Gosh it’s nearly the end of the month and I’m only just getting round to this. Work has been busy and the days have just been whizzing by. I’ve not felt focused or motivated to look at my spreadsheets but … Continue reading → The post 2026 Goals appeared first on Quietly Saving.
For over thirteen years I have shared our family finances with you. That’s a long time to be transparent and consistent with budgeting! So much has changed since I first started sharing our income and spending publicly. We have twice as many kids as we did back then. Our income has increased and so have our expenses. We are grateful to no longer have student loans or other non-mortgage debt. I know many of you […]
Eight years ago, Dividend Growth Investor (DGI) asked me if I’d like to participate in the Warren Buffett bet. For those unfamiliar, in 2008 Buffett famously challenged the hedge fund industry: Can you beat the S&P 500 over a period of 10 years? Buffett won as the hedge fund got clobbered by the S&P 500. But I like […] The post Warren Buffett Bet, Year 8: Yeah Baby, Yeah! appeared first on 1500 Days to Freedom.
If you’ve built wealth later in life, you may find yourself asking a question you never expected to ask: “How do I raise kids who respect money and handle it responsibly… when we’re living in financial overflow?” How to Not Spoil Your Kids With Money Many of my clients are successful business owners and professionals. When they first started out, money was tight. They lived modestly, sometimes frugally, because they had to. But over time, their income grew into the multi-six-figure range. Now they finally have margin in their money. And with that margin comes a new fear: “I don’t want to spoil my kids.” Here’s the truth most people miss: Spoiling kids isn’t about how much money you give them.It’s about how you teach, guide, and model money. Let’s talk about how to not spoil your kids with money, while still enjoying the wealth you’ve worked so hard to build. (Prefer to listen or watch? Go here to access the podcast.) DO #1: Teach Your Kids the Mechanics of Money If your child believes money magically appears from an ATM, Venmo, or Mom and Dad’s wallet, that’s a problem, especially if you plan to leave them an inheritance. Money is a powerful tool. Handing it to kids without instruction is like giving a teenager the keys to a brand-new Corvette when they don’t even know how to drive yet. Instead, teach your kids how money actually works: How it’s earned How it’s spent How it’s saved and invested How it’s given You don’t need a formal “money summit.” Use everyday life: Explain sales tax at the store Talk about car insurance deductibles when policies renew Involve teens in planning a family vacation with a real budget Please don’t let the first person to teach your kids about money be someone who’s trying to sell them something! Kids who understand how money actually works are far more likely to be financially successful as adults. DO #2: Give Your Kids Opportunities to Practice Teaching without practice is like reading a book about how a car works instead of driving in rush-hour traffic. Your kids need hands-on experience with money while the stakes are still low and you’re nearby to guide them. That might look like: A savings or checking account A prepaid card A monthly clothing allowance If they blow their monthly allowance in the first week? Don’t bail them out. Let natural consequences do the teaching. This mirrors one of the greatest gifts my own parents gave me. When I hit financial rock bottom in my twenties, my dad didn’t rescue me financially. He offered guidance, not a bailout. And when I started beating myself up, he said something I’ll never forget: “The mistakes you learn the most from are the ones that cost you something.” It’s far better for a teen to regret a pair of expensive jeans that don’t fit than to experience their first financial regret with a car loan or
Investment process Superb businesses and Mr. Market Sometimes it’s useful to go back to basics. When I started investing just over 50 years ago, I read that over the long-haul stocks outperform bonds. Over the years, with all the ups and downs of the stock market, I’ve never had any reason to doubt that. My default asset allocation is 100% stocks. The last time I held bonds was from 1998 to 2002 when I went […]
Is Octopus Group legit? Check out the full review here and how you can make extra money with Octopus Group The post Is Octopus Group Legit? How to Make the Most Money From Australia’s Highest Paying Online Survey Site appeared first on The Thrifty Issue.
80+ side hustles you can do this year to make more money around your lifestyle. The post 80+ Side Hustles for 2026 appeared first on The Thrifty Issue.
Ever get to the end of the week and wonder where your money actually went? The truth is, most of us aren’t out here buying yachts – we’re just getting caught in sneaky little spending traps that nibble away at our hard-earned cash.The good news? You don’t need to live on noodles or delete your … Read more