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Here’s the Complete Guide to Keeping Personal Finance Simple
A lot of people on social media say that they never learned financial literacy in K-12. While I tend to disagree since Arithmetic, Algebra 1 and 2, Reading Comprehension, and Economics are covered, there is no excuse not to learn today. 💰 To solve things, check out this Personal Finance for Dummies guide. The goal is to simplify what you need to do up front so you don’t confuse yourself along the way. Turns out most people don’t need more income; they need a cash flow management system that tells every dollar where to go. Yes, making more money would be nice too. However, if you can’t manage $10,000, you won’t be able…
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How to Build Wealth: Reviewing Our Nearly $1.4 Million in Investments
While we aren’t quite there yet, my wife and I took a step back to review our investment portfolio performance over the last 12 months. It was intriguing to see the progress. While the day-to-day news cycled through inflation fears, tariffs, market pullbacks, and even a Middle Eastern conflict, we stayed invested. It was a crash course in discipline, risk tolerance, and sometimes buying the dip while it kept dipping. In the end, our investment portfolio grew from $948,927.51 (April 1, 2025) to $1,398,505.46 (April 9, 2026). That’s a cash value increase of +$449,577.95 or +47.38%. That number is phenomenal, and the growth is solid. Being honest, too much growth…
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How to Make the Most of Money When the March Market Take Hits
The market is in full meltdown mode. Buy the dip in March 2026 but where is the end?
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A Study Found that Thriving U.S. Families Need to Make $150K a Year. Where Do You Fall?
The recent study, Measuring the True Cost of Economic Security, conducted by the Urban Institute, found that a well-off household needs to make at least $150,000 annually. The news hit social media like an expected tidal wave. This economic security threshold reminds us that the cost of living in the U.S. has ramped up dramatically. As the U.S. loses its political standing, along with the global increase in middle-class standards, the future is more expensive. U.S. households are already feeling the squeeze. Many of whom are surviving on less than $80,000 per year. Based on 2024–2025 Census Bureau data, median household income varies significantly by race. Asian (-led) households earn the highest…
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Falling Behind: The Economic State of Black Men, 2025
Black men are often left out of the conversation when it comes to their economic and social position in the United States. As a second pillar in a household and often the primary breadwinner, their contribution shouldn’t be overlooked, but alas, I have to write this because they/we are. With over 600,000 black men entering unemployment since November 2025, some experts expect the number to climb to a million by November 2026. There is a palpable degree of financial security and stability that Black men can provide in an era of rising costs, inflation, and global turmoil. Their absence may equal a structural and sustained collapse of black communities. At…
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Retiring Early? Now What? What We Plan to Do.
Retiring soon and now what? Everything needs a well thought out plan in my opinion. I have a ton of ideas that will be tweaked.
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All’s Fair in Love, Tariffs, Stagflation and War
All is Fair in Love, Trump, Tariff Wars, Stagflation, and Nvidia earnings. Since we can't predict the future best thing to do now is to inflation-proof your net worth. Beyond that, hold tight.
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Retiring Early vs. $3 Million: Is It Better to Keep Working At that Price?
Recently, I was asked, “Why would you forgo your highest earning years in favor of retiring early?” Obviously, I never thought about it like that. The infinite wisdom of a random social media commenter truly changed my life… Nah. For one, I don’t think they understood how meticulous I could be regarding financial planning. I don’t know one person who retired and isn’t struggling financially, so I understand the caution. Being second-generation Haitian narrows the number of successful retirees to an elite few. Do Haitian-Americans retire? Sure. Maybe? Have I seen it? Not really. Do they even have enough money to really say that they retired? Nope. Most of their…
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How to Stay on Track to Reach Early Retirement
Not sure how the rest will manage working for an extra 25 years, we are out on early retirement in 6 years. At least that's the goal. Will we reach $5 million? Maybe or maybe not, at least we have a goal versus no goal at all.
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The U.S. Kicked Off the New Year with $1 Trillion in Gains!
Coming off of a rough 2022, a stellar 2023-2024, and a rocky 2025. 2026 should be challenging.
