Millions of couples in the U.S. live together without being married, often blending their financial lives without realizing the potential consequences. If you’re living with your partner, it’s essential to think about how you’ll handle shared assets and expenses. Putting a plan in place isn’t about expecting the worst; it’s about protecting you both if the relationship ends.
When you hear the word bankruptcy, you might think of wiping the slate clean entirely. But Chapter 13 bankruptcy works a bit differently—it’s more of a reorganization. Instead of erasing all your debts, you work with the court to create a repayment plan. You’ll have to submit a detailed proposal outlining how you plan to pay things back, complete with a thorough budget. Be prepared for scrutiny, as a judge, trustee, or creditor can challenge your budget if they feel it’s filled with non-essential spending.
My first investment wasn’t in the stock market. It was in myself. In the world of finance, they call it “human capital”—the value you bring to a company through your skills, knowledge, and experience. Long before I knew the official term, I understood a simpler truth: being a valuable employee was how you made money, and money seemed to be the key to a happy life.
There's nothing quite like stepping off a plane into that warm, 80-degree Florida sunshine. After 23 years of fighting it, I think I’ve finally become a true Floridian. I landed back in Ft. Lauderdale around 4:00 P.M., but between the recent expo, a series of back-to-back meetings, and the flight home, I effectively lost an entire day of trading. This is the kind of trade-off that’s all too common when you're .
People often ask where I find my investment ideas, assuming they’re some rare commodity. The truth is actually the opposite. After more than twenty-five years of hunting for good investments, my challenge isn’t finding ideas—it’s sorting through them. But I remember starting out and asking the same question you might be asking now: Where do I even begin?
When you first start a side hustle, it’s easy to get caught up in the visuals—the logo, the website colors, the fonts. While those things matter, your brand is so much more than that. Think of it as your business’s identity. It’s the sweet spot where how you want the world to see you meets how the world sees you. Your job is to make sure those two perspectives align.
Before diving into the world of side hustles, it’s crucial to understand a key distinction: there’s a real difference between a personal project and an actual business. A personal project is something you do for yourself, driven by your own enjoyment and interests, without needing outside approval. When you start building a , the focus shifts from you to them—your audience. It becomes about serving a market and filling a need they have.
If you’re running a side hustle, chances are its most critical operating system is stored entirely in your head. That’s a common starting point, but it’s not a sustainable one. To really grow your project and reclaim your time, you need to get those processes down on paper.
Ever notice how some furniture stores seem to be “going out of business” every few months? It’s a classic move because, as unsubtle as it is, it works. Deals, discounts, and limited-time offers are powerful tools for getting customers to finally make a purchase.