Welcome to My Smart Finance – Where Financial Wisdom Meets Smart Decisions.

Your journey to smarter savings, investments, and financial freedom starts here.
Emnify Launches Consumer eSIM Solution to
At My Smart Finance,

Naturally Intelligent
From budgeting to investing – My Smart Finance is your trusted guide to financial confidence.

My Smart Finance helps you make informed choices.

LATEST

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

Global crypto assets hit $4tn as…
Unlock the White House Watch newsletter for free Your guide to what Trump’s second term means for Washington, business and the world The value of the global cryptocurrency market has reached $4tn for the first time, as investors anticipate billions of Wall Street dollars flooding into the sector after the passage of landmark US digital

Reader Case Study: Yearning For a…
Brian and Michael, both 34, live with their two cats in central Connecticut. Michael works as a project coordinator for a state behavioral health agency serving young people and has a side job as an advocate and disability leadership coordinator. Brian is a quality assurance manager for a state-run hospital. The couple’s been together since 2013

How To Train Your Staff For…
Why Customer Service Training Matters for Small Businesses in the Philippines In the Philippines, competition among small businesses is tighter than ever. Whether you run a sari-sari store, online shop, food stall, or home service, it’s no longer enough to just offer good products or competitive prices. Excellent customer service is now one of the

SCHD vs. DGRO – Which Dividend…
Hey there! Let’s dive into a comparison of two popular dividend growth ETFs: SCHD and DGRO. Both aim to give you a stream of income that hopefully increases over time, but they go about it in slightly different ways. The Schwab U.S. Dividend Equity ETF (SCHD) is a bit of a rockstar in the dividend

How to Start a Billboard Business:…
Billboards are timeless. And they remain a successful advertising strategy even with the rise of digital technology. With that said, you probably never imagined that a solopreneur could rake in $30,000 a month from it (part-time!). But that’s exactly what Chris Brown from Signs of Good and wantmore.org has done for the past decade. Chris

Highest Paying Prop Trading Firms (2025)…
Proprietary trading firms, also known as prop firms, are financial entities that provide funding to skilled traders. These include experienced and professional traders who wish to participate in financial markets. The firms extend support to traders who have valuable trading skills and experience but may lack the necessary capital. Profit Splits in Prop Firms In

Exclusive-Bank of England scrutinizes lenders for…
Exclusive-Bank of England scrutinizes lenders for dollar risk amid Trump worries, sources say

California Capital Gains Tax: A Comprehensive…
Making a profit on real estate, stocks, or other investments can significantly shape your long-term financial picture. However, those gains often come with added tax responsibility—especially if you live in a state like California, where even moderate-income increases can lead to higher tax rates. While every financial situation is different, it’s helpful to understand the

January 1st 2022 – Net Worth…
Impact-Site-Verification: 8712583 This is my official Net Worth Update for January 2022. Below are my actual numbers for ALL my investments and liabilities as of 01/01/2022. Detailed explanations and a quick summary can be found below. If you would like to see my previous months net worth posts, please visit my Net Worth Tracker. I

Weekend reading: Cash ISAs safe! For…
What caught my eye this week. For most of the week, my Weekend Reading links included articles warning that Rachel Reeves was finally going to cut the cash ISA allowance at her Mansion House speech next week. The rumours had run for months. At last reality was at hand! Yet by the end of the