Dear Dave,My wife has run her own small business for the last three years. I try to be positive, and help whenever I can, but the truth is things aren’t going very well. In fact, the business has never really shown signs of getting off the ground. Over the last…
Finance
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Strategies to Reduce your Interest Rate on personal Loans
A personal loan can be a great financial tool when you need immediate funds for various needs such as medical emergencies, home renovations, or debt consolidation. However, a high-interest rate can increase your overall repayment burden. Fortunately, there are ways to secure a lower interest rate, helping you save money…
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Financial Success as a Spiritual Practice
Are you having trouble making more money or managing it wisely? Is financial lack a constant source of stress and pain? Consider this. What if you stopped approaching finance as a purely practical process and started treating it as a spiritual practice? What if, along with learning the practical facts, you focused…
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Our Brains Are Quantum Computers
My Rich Habits research has taken me down many rabbit holes. Because habits are forged by the brain, I’ve been forced to take a deep dive into the anatomy of the brain and brain function in order to understand how the brain physiologically creates habits. After many years of studying…
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You Can Earn $40/hr On These 5 Jobs Without A Degree
Image by Elisa Ventur In today’s workforce, the idea that a college degree is the only pathway to a high-paying career is quickly becoming outdated. While higher education still holds value for many, it’s not the golden ticket it once was. Soaring tuition costs, student debt, and shifting employer priorities…
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Why do people pay for expensive financial advisors?
Derek Sivers famously once said “If [more] information was the answer, then we’d all be billionaires with perfect abs.” But that’s not human beings work. It’s usually not about information but human behavior. And our lizard brains, as much as we don’t like to admit it, are in control. And…
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10 Financial Sore Spots That Destroy Even The Best Relationships
Image by Alexander Mils Money may not be the most romantic topic, but it has a powerful impact on the health of any relationship. Even couples who are deeply committed can find themselves at odds when financial stress enters the picture. What starts as a minor disagreement over spending can…
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8 Ways Boomers Can Continuously Save Money On Their Taxes
Image by Olga DeLawrence For Baby Boomers nearing retirement, or already there, tax season isn’t just about paperwork. It’s a key opportunity to protect long-term savings, reduce taxable income, and preserve wealth for the future. With the right strategies, Boomers can hold onto more of their hard-earned money and avoid…
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How Investors Can Stay Safe
Worried about cyberattacks on mutual funds? Learn how to protect your investments, track your data, and stay safe in case of digital breaches. In April 2025, a cyberattack on Nippon India Mutual Fund sent shockwaves through India’s investing community. As one of the country’s largest asset management companies (AMCs), Nippon…
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Why Some Seniors Are Better Off Not Having a Will – The Shocking Case for Simplicity
Image by Richard Sagredo Much of the case against traditional wills rests on the availability of non-probate transfer options. These are tools that allow assets to pass directly to beneficiaries without going through court or requiring a will at all. Payable-on-death accounts, transfer-on-death deeds, and joint ownership arrangements can accomplish…