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Personal Story I will never forget when I was this close to breaking. It was two am and I was looking at a screen so indistinct that my eyes could not focus. The passion that I had developed as a side-hustle graphic design business felt like a prison. I had been working 70 hour weeks, … Read more
I will always remember how scared I was when I sat at my kitchen table in early 2024. Bank statements, credit cards and an ad hoc collection of investment applications were scattered across my desk. I am making good money, yet I could not find the easiest way to answer such a question: “How am … Read more
Financial literacy is not an option anymore in the modern dynamically paced world. It forms the basis of making wise choices about money, wealth creation in the long-term, and financial security. Regrettably, most of the people in America fail to manage their finances because they are not financially educated. Coming into the year 2025, the … Read more
Background: Current States of Credit Cards in the USA. The use of credit cards has become an important aspect of American financial life. Over the years, it is estimated that in the years 2025, more Americans are depending on credit cards than ever before. New reports indicate that more than 80 percent of adults … Read more
I would look at my budget spreadsheet with a pang of guilt over my every coffee purchase against investment. I was achieving my saving target, but my twenties were like a marathon I was too tired to participate in. Then I found Soft Saving, and it has not only changed my pocketbook, but it has … Read more
I will never forget the month when my daughter received her college tuition bill and I found my dad in need of a new prescription that was not fully paid by Medicare. Looking at these two envelopes, I sensed that the “sandwich” was closing in on me–the nightmarish squeeze between the demands of my children … Read more
I recall looking at a spreadsheet at the end of 2023 and being totally overwhelmed. My accounts, investments and bills were a jumbled mess. I was making lots of money, but I did not know where it was going. It was like attempting to find your way into a dense forest without a map. Then, … Read more
Introduction: The cost of living increases steadily with time. Your individual amount of money depreciates over time as costs go up, which means every dollar can buy less than it previously could. Simply put, having money and purchasing power are two different things, and inflation impacts your purchasing power. Allocate USA inflation for the year, … Read more
In the United States, planning for retirement is no longer considered optional, but rather, essential. Reports indicate that millions of Americans are nearing the age of retirement with little or no savings. Almost one. Two adults in the United States today have saved less than $25,000 for retirement. It is no wonder, then, that the … Read more
By the year 2025, Americans appear to be increasing their search for more flexible means of earning money in addition to their primary jobs. Be it stash funding, debt repayments, or seeking the holy grail of financial independence, the abundance of side hustles USA has to offer is remarkable. Technology has enabled earning online jobs … Read more