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Advice

ugh, lifestyle creep is ridiculous

So, seriously, lifestyle creep. It’s the most ridiculous thing. People get a raise, and instead of chilling with a little more green in the bank, they decide it’s time to buy a boat. Or suddenly, their ancient but perfectly…

ugh, tax efficiency is overrated

Tax efficiency this, tax efficiency that. Everyone’s buzzing about it like it’s the holy grail of financial advice, but let’s be real, it just sounds like another trick to make us open a bunch of accounts we don’t…

automate savings? seriously?

Automate savings, they say. As if that’s going to magically transform my financial life into a serene river of wealth. ‘Set up auto-transfers on payday,’ they chirp, as if my bank account is a magical being that knows…

overcomplicating savings

So, you want me to set up auto-transfers on payday. Yeah, because trusting some algorithm with my hard-earned cash sounds like the epitome of financial wisdom. Pay myself first, they say. You know what that feels like? It’s like…

investment advice is overrated

So, saving money for a rainy day, huh? What a genius idea. I swear every time someone mentions an emergency fund, my eyes involuntarily roll to the back of my head. It's like, yeah, okay, stash away six months' worth of expenses. That's a…

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