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10 Influencer Scams To Avoid If…
Have you ever scrolled through social media and thought, Wow, this person is making six figures a month, how do I get in on that? Same. Social media is flooded with people claiming they’ve cracked the code to overnight success, passive income, or early retirement. But here’s the truth: many of these so-called experts are

Sleepless in Kyiv: how Ukraine's capital…
Sleepless in Kyiv: how Ukraine's capital copes with Russia's nighttime attacks

How To Compute Your Product Price…
Isa sa pinaka-importanteng tanong ng bawat aspiring negosyante ay: “Paano ko iko-compute ang presyo ng produkto o serbisyo ko?” Madaling sabihin na dapat “may tubo” – pero paano nga ba ito gawin nang tama? Here’s a simplified step-by-step guide to help you set the right price for your product or service: 1. Alamin ang Total
Next Level
- Your Retirement Withdrawal Order of OperationsBefore the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors: Retirement withdrawal strategies are one of the most common topics that you readers write to me about. You ask questions like: Which accounts and which assets should you withdraw first, and why? How does Social Security fit in? What … Read more
- You don’t have to be afraid…Advertiser Disclosure: rich & REGULAR is a member of affiliate marketing programs and may receive commission in exchange for promoting products and services. I [Julien] hate hotel gift shops. Every time I set foot in one, I can feel the insane price premium squeezing money out of me. One time, while visiting Florida, I’d completely forgotten to … Read more
- Why Your Company May Be Struggling…When it comes to the big world of business, times get hard. Not everything is going to go your way all of the time, and you’ve got to learn to be okay with that. Well, not okay with it per se, but you have to find ways to get through and make your business thrive … Read more
- Why You Should Wake Up Early…Since summer last year, I decided that I should wake up early. I read all the blogs about people who woke up early, and it just made sense to try it. All blogs stated that waking up early, meditating, affirmations, would all help you. They made it sound as if my life would magically change … Read more
- Why U.S. Life Insurers Are Moving…Between 2019 and 2024, a monumental financial transformation has quietly unfolded within the U.S. life insurance sector: approximately $800 billion in reserves have been shifted offshore. This staggering figure not only marks one of the largest capital reallocations in recent industry history but also signals a significant evolution in how insurers manage risk, capital, and … Read more
Just Dropped

IRA, Social Security, income tax, and…
Photo credit: jb You’ve likely heard the conventional wisdom – “when you leave your job, you should roll over your retirement account”. You may know that it makes sense (or at least you assume it makes sense), but do you know why it’s important? And do you have the first clue as to how to

Life is not a game
You hear the phrase “the game of life” all the time. There are books on Amazon instructing us on how to win at the “game of life”. Hell, Milton Bradley’s “The Game of Life” from 1860 — still sold today — was the first popular board game in the United States. In the Real World,

Can We Trust These Fintech Banking…
I write about fintech and fintech banking apps a lot, so I sometimes get asked what I think about these companies and how safe they are, especially given some of the negative news that’s happened with some of them in the past year. As a bit of background, most of the fintech banks you see

The Unexpected US States Where Entrepreneurship…
Entrepreneurial energy remains high across the United States, with over 5.2 million new business applications filed in 2024. A new report by financial software firm Wave has revealed a surprising picture of where startups are thriving — and many of the most successful states aren’t the usual suspects like California or New York. Wave’s study

A Wall Removal And Other June…
Before: weird arched wall separating kitchen & dining room from living room A menace wall in our home is gone! Longtime readers may recall that we’ve embarked on a slow, years-long renovation process, which we kicked off with a wall removal. This erstwhile wall awkwardly divided the kitchen and dining room from the rest of

Affordable Business Ideas For OFWs Returning…
Coming home for good? Many OFWs dream of starting a business back in the Philippines—but don’t know where to begin. This 2025 guide is your starting point, featuring affordable business ideas that are low-risk, profitable, and designed for the Filipino homecoming hero. Why OFWs Should Consider Starting a Business Build financial security after years abroad

#622: First Friday: Why Americans Are…
The headlines said America added 147,000 jobs in June. The reality? Private companies actually cut 33,000 positions. Grad students just lost access to unlimited borrowing. Parent PLUS loans now cap at $65,000. And tariffs are about to jump as high as 70 percent. Everything is changing at once — taxes, tariffs, student loans, and immigration

$656,000 of Frugal Things I Still…
– “I used to read Mr. Money Mustache”, some people say these days, “Until he got all rich and fancy so that he no longer understands the common person’s plight. Stash probably doesn’t even practice any of these money-saving things he preaches any more!” When I read things like this, I can’t help but laugh.