We’ve all been told the mantra: you must pay off debt, it’s bad. Avoid it like the plague, live frugally, and watch your nest egg grow slowly at best. But step into the rarified air of the ultra-wealthy, and you’ll find a vastly different relationship with debt. It’s not a dirty word, it’s a tool. […]

In the personal finance world, there’s a mantra that echoes through the advice of many money gurus: “When it comes to money, only spend on needs, not wants.” It’s a refrain we’ve all heard a million times, a drumbeat of frugality that urges us to forsake desire for necessity. But wait, does that really align […]

In the fast-paced dance of life, learning to manage your cash is a skill that can either lead to financial freedom or keep you tethered to the paycheck-to-paycheck struggle.

In the realm of personal finance, the financial metrics you choose to focus on can be the key to unlocking money success or falling into the pitfalls of monetary mismanagement. As I tell my clients almost daily “what you track matters,” and “what you focus on, grows.” This holds particular significance in the world of […]

Embarking on the journey to become a millionaire or billionaire isn’t just about accumulating zeros in your bank account. It requires a new mindset. Specifically, the billionaire’s mindset. It’s a masterclass in intention, gratitude, and wielding money as a tool for true wealth. Allow me to take you on a deep dive into the invaluable […]

Let’s embark on a transformative journey toward financial mastery! In our fast-paced world, trying to manage your money effectively can often feel like a daunting task. However, fear not! With the right tools, strategies, and just 10 minutes a week, you can gain control over your finances and pave the way for a secure future. […]

Why does it seem so hard to stop overspending? We’ve all been there, swiping our cards a little too often or falling into the online shopping rabbit hole. But fret not, because I’m here to equip you with strategies to put an end to those unplanned spending sprees and, more importantly, understand why you overspend […]

You’ve probably heard of the 50/30/20 rule; it’s the one that suggests divvying up your income into 50% needs, 30% wants, and 20% savings. Sounds pretty straightforward, right? Well, hold onto your wallets, because I’m about to break down why the 50/30/20 rule isn’t the money gospel you might think it is and why these […]

If you’re looking to create a budget – pause. While budgeting can have its merits, it’s not the be-all and end-all for everyone. Let’s dive into how budgets can actually encourage a scarcity mindset, while becoming a major time suck. But fear not, because I’m here to introduce you to a more sustainable approach – […]

So, you’ve found yourself living with debt, huh? No worries, we’ve all been there! In fact, according to Experian, the average American has over $96,000 in debt. It is possible to live with debt and be at peace. The truth is that managing debt takes both tactical and mindset steps. Yes, there’s inner and outer […]