budgeting

live below your means

“To live beyond your means today is to live below them tomorrow.”
— Hans F. Sennholz

Taking a day job where you work for 35-40 hours per week and then spending everything you earn is never a good strategy. Of course, you don’t have to stop drinking the occasional latte, getting your favorite merch, or going to the movies or concerts. But you can still spend less than you earn.

Rather than spending money just for the sake of convenience, entertainment, and gratification all the time, it’s wise to direct that money towards saving and investing instead.

borrowed future: summary and key takeaways

how to achieve financial freedom in America

In the wealthiest nation on Earth, where abundance seems limitless and prosperity ever-expanding, one might assume that financial security in retirement is a given. Yet, for many, this assumption couldn't be further from reality. The stark truth is that a significant portion of the population faces a precarious

practicing emotional discipline in investing

"The investor’s chief problem—and even his worst enemy—is likely to be himself." — Benjamin Graham "The biggest investing errors come not from factors that are informational or analytical, but from those that are psychological." — Howard Marks In the realm of personal finance, a critical

Read next