Now more than any other time in history, there is a plethora of mediums that allow retail investors easy and free access to the market. Because investing is now so easy, many overestimate their ability to be good investors. This results in beginner investors making mistakes and losing money in many cases that could haveContinue reading “6 Common Investment Mistakes To Avoid”
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In a world with subzero interest rates, it is easier and cheaper than ever to take on excessive debt. With the U.S. consumer debt standing at ~ $15 trillion in 2021, the current data shows that this number will continue to trend upwards. As one of the most in debt age groups, millennials must beContinue reading “Things To Consider Before Taking On Debt”
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Lifestyle creep happens when increased income leads to increased discretionary spending. It is one of the primary reasons some people are unable to build the wealth they desire. When our income increases, we feel we should reward ourselves for our effort. Unfortunately, that reward is usually spending excess money on things that do not getContinue reading “Effective Ways To Prevent Lifestyle Creep”
I was born and raised in a small city on the island of Jamaica. With a population of ~ 2.7M and approximately 4,244 sq miles in size, my experience growing up there was not profoundly different from others born around the same time. With an inflation rate of over 70% and an unemployment rate ofContinue reading “Money Lessons I Learned From Growing Up Poor”
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Happy Belated Valentine’s Day! I hope you spent the day giving and receiving love from your friends and family. I have always enjoyed this time of year because I love roses, balloons, chocolate, dinners and I just love Love. I also recently got married, so this is my first Valentine’s Day as a wife. BesidesContinue reading “Love Marriage And Money”
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It’s that dreaded time of year when we have to negotiate our taxes with Uncle Sam. I’ve yet to meet a person who likes filing their taxes, yet it is something millions of people must complete by April 15th each year. While it’s not a fun task, there are many opportunities to lower your taxContinue reading “Tax Credits To Take Advantage Of Now”
Saving for retirement is one of the least exciting personal finance topics, but it is one of the most important. At 62, when persons can start getting social security checks from the government, they will come face to face with all the life decisions they made. According to PWC Retirement Report, almost a quarter ofContinue reading “Traditional IRA vs Roth IRA”
It’s a new year with new promises and opportunities. There is no better time to commit to improving your finances! All you need is the right mindset, the will to change and the tips I’m about to share with you. They are not only easy, but can also be seamlessly integrated into your busy life.Continue reading “Take Control Of Your Finances”
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Happy New Year! We are still in a pandemic but there is so much to look forward to in 2022. If you need inspiration to get started, think of all the things you accomplished in 2021. Think of all the No’s that you turned into Yes’ and obstacles that you successfully navigated. Again, all inContinue reading “New Year’s Resolutions To Change Your Finances”
It’s the last week of 2021 and the perfect time to reflect on how far you’ve come since January. Though we continue to live in a pandemic, there are still many reasons to celebrate. Some people started their own business, others got promotions, some got married while others had children. There are even those whoContinue reading “5 Money Lessons 2021 Taught Us”