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Experiencing the Impact of the Financial Wall
No one prepares for the financial wall. It’s not just one of them but a set of micro thresholds that can have a positive or negative impact on your psyche. Like failures, there is always a cost for success. And today, we made +$75,000 on a day in the market. My hands were shaking… To be clear, it wasn’t a violent shake. It’s a slight, unsteady awareness that you might have gone too far. Or more accurately, further than you ever imagined. I mentioned this to the ladies on our financial podcast, “The Financial Griot.” I think we are mutation. Some deviant strand of what you should be. It might…
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How We Spent $1,000,000 in 6.5 Years: A Detailed Breakdown
Wow, we spent over $1 million. I’m just as shocked as you are. Most of my ideas come from spur-of-the-moment questions. Besides, it’s not like we spend it all at once. The expense total (represented by our cash outflows) runs from January 1, 2019, through June 8, 2026. In a technical sense, the total gross expenses tally all the transactions that hit our accounts. That’s still a lot over that timeframe, but it’s a bit refreshing to see. I don’t think most people run their numbers to see what’s really happening in their finances. For context, the median U.S. household spent an estimated $1.5 million in total expenditures from 1995…
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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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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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Another Great Year for Investors, All Things Considered
Just a couple trying to retire with $5M invested assets.
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How We Gained +$20,000 Worth of Wealth in December
A December Santa Claus Rally could have helped sweeten 2025 but Santa was drunk (Again). Our stock performance bumped up 20% for the year though, and our net worth followed. New year coming up with better goals.
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This ChatGPT Inspired Stock Portfolio is Beating Average Investors?!
ChatGPT is beating the SP500?! Well time to consider going beyond the index and chill model.
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You Now Need $100,000 Salary to Become Millionaire in 2025
More People Should Build Wealth. It's Easier than You Think. Most Millennials Can and Should Consider Becoming Millionaires. It starts with $100k.
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How to Navigate Finances in High Price-Inflation Waters. Q/A Recap
I was recently invited to participate in a panel titled, “How to navigate finances in 2025”. Given the change in the U.S. administration, global wars, and financial instability, this was the right call for Florida State University’s Black Alumni Association. By the time the bat signal went up, America dove $600 trillion into the muck of tariffs and supposed liberations. When the panel came around, we’ve all but rebounded. It’s pretty much pandemonium. JPMorgan said we are headed into a recession one day, and the next month stated that we will be in a +8% performance year. The financial experts don’t know what will happen at any given turn. Deuces…
