Why Are Mortgage Rates Rising Despite Fed Rate Cuts? If you’ve been keeping an eye on the news lately, you might be scratching your head wondering: the Federal Reserve has been cutting interest rates since late 2024, so why are…
How I’m Investing in 2025: A Balanced Portfolio Breakdown If you’re wondering how to approach investing in 2025, you’re in the right place. I’m breaking down my personal investment plan , explaining why I allocate my money the way I…
15-Year vs 30-Year Mortgage: Which One is Best for You? Buying a home is one of the biggest financial decisions you’ll ever make, and choosing the right mortgage can make a huge difference in your financial future. If you’re in…
Master Your Money with the 70/20/10 Budgeting Rule Managing your finances doesn’t have to be overwhelming or complicated. If you’ve ever struggled to keep your spending in check, save consistently, or pay off debt, the 70/20/10 budgeting rule could be…
Buying vs Renting a Home: Pros, Cons & Financial Breakdown Deciding whether to buy or rent a home is one of the biggest financial and lifestyle choices you’ll make. It’s a topic that sparks endless debates, especially among younger people…
5 Reasons People Stay Broke and How to Build Wealth Fast Building wealth is not about luck or timing; it’s about understanding key financial principles and developing the right mindset. Most people never get rich, and it’s rarely due to…
How to Buy and Store Bitcoin Safely: A Simple Beginner’s Guide If you’re curious about entering the world of Bitcoin but feeling overwhelmed by all the steps and security concerns, you’re in the right place. Today, I’m breaking down exactly…
How to Calculate Home Affordability: A Practical Guide with Mortgage Calculator Buying a home is one of the biggest financial decisions you’ll ever make. Yet, many people rely on broad rules of thumb or guesswork to determine how much house…
The Great American Lockout: Why Homeownership Is Now Out of Reach in 2025 Executive Summary The U.S. housing affordability crisis has reached catastrophic levels in 2025, with 79% higher income now required to buy a median-priced home compared to 2020. This 2,500-word…
🧭 Introduction: 11 Essential Money Questions to Master by 30 Turning 30—or any major milestone—should be a financial checkpoint. 11 key questions you need to ask yourself—about net worth, investments, retirement savings, emergency funds, debt, insurance, and more—to build a…
