You're missing out risk-free money.

I mean, as long as the banks don't go bankrupt, that is, which is unlikely.

You need to go dump whatever pile of cash you have lying around that's not meant to pay your monthly bills into a HYSA.

Now.

Why? And...

I worked in the tech industry for a long time.

I know people in professional services, healthcare, law and at the top of their game in almost every industry there is.

The CEOs I've met over the years ranged from companies that had $1m in...

This may be one of the most important posts I ever write around money. And it may look click-baity but that title is more serious than a snakebite.

This community is full of Heroes and Heroes know that the status quo doesn't get you anywhere...

"Yeah, yeah, I know what a 'system' is."

This is what I hear when I ask someone what it is.

I always get the same type of answer.

A loose example of a real-world system and the word "inter-connected" usually gets used instead of an actual...

I laugh when I hear people say you should just save up to buy house with cash. 

Anyone recommending this is out of touch with reality and playing by money rules that are 30 years old.

We have a housing crisis on our hands that is so bad, the...

My role in life has become clear over the years.

It's basically to say the unpopular things that no one wants to say out loud.

So I'm going to absolutely ruin some click-baity YouTube videos for you right now...

But you need to give up on the idea...

I was a guest on a podcast recently and the host hit me with a question I get a lot.

"That's the problem...I have no idea where to start! How do you figure that out?"

Unfortunate fact: Most people are overwhelmed with too many decisions to...

If you've ever paid any attention to the personal finance world, you've heard some stat around how 2 out of 3 people don't have a budget.

I mean...how could that be?

They're so important. They're so easy. They're totally free.

None of that...

What is a money system? In the larger economic world, they call them "monetary systems". 

It's simply a set of policies, frameworks and institutions that impact creation and the flow of money.

If you're screaming "explain it to me like...

 ”An investment in knowledge pays the best dividends.” – Benjamin Franklin

What is so important about money that presidents, poets, philosophers and the Bible have to talk about it so much?

It's all over the place in all of...

You probably first heard the term "velocity" in high school physics or watching a Top Gun movie.

Velocity is speed + direction.

When we are talking about money, the idea of the "velocity of money" is something people never really discuss.

The...

I just turned 36. 

If I could travel back in time 10 years ago and tell myself 3 lessons to help me get rich faster (and no, something uber-specific like buy bitcoin isn't what I mean), then this would be my advice.

Lesson 1 - More Buying,...

Millionaire? Billionaire? 6-figure salary? Nope.

None of these are the most important financial milestone and it shows in too many people's mindsets.

This is why everyone is barely making enough to maintain their existing lifestyle.

The...

Let's face it.

Almost everything you have learned and adopted about money came from people who aren't millionaires.

So if you have a goal to build financial wealth, that'd be like taking advice from a fat personal fitness trainer about...

"The permanent results come from you having to suffer." - David Goggins

I had decided that things needed to change. We were skimming by on a month to month basis. Most of our money was going to paying off $265,000 in student loans. 

...

My dad has been doing marriage counseling for over 34 years. He has seen it all.

And one thing that he sees more often then Seinfeld re-runs are arguments between married couples over money.

Marriage is a massive contributor to wealth building....

Financial freedom is the personal finance buzz term everyone overuses. 

But what does it actually mean? 

Turns out, there are multiple levels you can reach and its important to understand where you are so you understand what...

The Notorious B.I.G. hit the nail on the head when he said "Mo' money, mo' problems."

But in response to this philosophical rap lyric, the question should be asked: why does more money cause more problems?

It's because more of anything...

 I created a concept that I'm hoping blows your mind a little bit.

Okay, I'll settle for a mindset shift.

After years of working with people on optimizing their finances and designing the life they truly want, I've found that there is a...