7 Step Financial Planning Process. Real financial planning isn’t a resolution – it’s a process. A systematic approach that takes you from “I have no idea what I’m doing with money” to “I have a clear roadmap for my financial future.” The CFP Board (Certified Financial Planner Board of Standards) updated … Read more
This image is AI generated Warren Buffett spends 80% of his day reading. That’s not an exaggeration. There’s a reason successful investors are obsessed with reading. The right book can completely transform how someone thinks about money, risk, and wealth-building. But walk into any bookstore and the “Finance” section is not a good thing to … Read more
This image is AI generated Profit sharing sounds straightforward: companies share profits with employees. But the mechanics behind it are more nuanced than most people realize. Let’s see: The Core Mechanics Profit sharing works by setting aside a percentage of the company’s annual profits, which is then allocated to eligible employees in addition to their … Read more
Hobbies That Make Money. You know what nobody tells you about monetizing hobbies? It’s messy, unpredictable, and rarely looks like those Instagram success stories suggest. I’m not here to sell you a dream. I’m here to show you what actually works when you want to turn the things you enjoy doing into something that pays … Read more
Financial Myths. For nearly four years, I kept every dollar I saved in a traditional savings account earning 0.3% annual interest. Meanwhile, inflation averaged around 3% annually, and the stock market delivered double-digit returns. Why? Because I genuinely believed investing was something only wealthy people with tens of thousands of dollars could do. Financial myths … Read more
Stocks vs ETFs vs Mutual Funds Stocks vs ETFs vs Mutual Funds – this comparison confuses most new investors. I wasted my first year of investing because I didn’t understand this question. I bought individual stocks because they seemed exciting. Then I heard someone mention index funds and got confused. Were those the same as … Read more
what are dividends explained What are dividends and how can you earn passive income from stocks? A dividend is simply cash a company pays you for owning its stock. When a company makes money, it has two basic options. It can reinvest those profits back into the business to grow faster, or it can share … Read more
best AI stocks to buy 2026 AI stocks to buy in 2026 require careful selection as the market shifts from broad AI hype to selective winners. When I first started looking into AI stocks for 2026, it felt overwhelming. Every finance site had a different take. Some warning of an AI bubble, others insisting we’re … Read more
How Inflation Affects Your Investment Portfolio Understanding how inflation affects investment portfolio returns is critical as inflation hits 3-3.5%. U.S. inflation is projected to hit 2.7% in 2026. This is the lowest since 2020. 2021 was scary. 7% inflation. Can you imagine? That might sound manageable. It’s not. If you’re earning 5% returns on your … Read more
How Do Insurance Companies Make Money? How insurance companies make money is a $169 billion secret hiding in plain sight. Property and casualty insurers made a record $169 billion in profit in 2024, the same year your car insurance went up 15% and your homeowner’s premium jumped 20%. we’re paying more. They’re making record profits. … Read more