Author: David

I’ll never forget the day I realized I had absolutely no clue where my money was going. It was 3 a.m., and I was balancing a mountain of bills on my bed—rent, phone, groceries, random Amazon buys—feeling 100% overwhelmed. The worst part? Everyone kept saying, “Just make a spreadsheet.” Except spreadsheets felt like math class,… Read more

I remember the first time I heard about Bitcoin. I was scrolling through social media (probably ignoring homework or job applications—oops) when I saw someone bragging about turning a few hundred dollars into thousands “practically overnight.” My eyes popped out like a cartoon character, and I thought, “Okay, that sounds magical, but also… shady?” Fast-forward… Read more

I’ll never forget the day I opened my very first brokerage account. I was sitting on my worn-out couch, phone in one hand, YouTube videos in the other, trying to decipher the wild world of investing. Suddenly, I realized I had two main choices: invest in index funds or pick individual stocks. “Okay,” I remember… Read more

I used to think investing was only for fancy people who wore suits and tossed around words like “portfolio diversification” at brunch. Meanwhile, I was busy hunting for grocery coupons and making sure my Netflix subscription wasn’t draining my entire paycheck. That’s when I realized I’d been stuck in a major money myth: believing I… Read more

I’ll never forget the day I realized I might want to own a house. One minute, I’m happily renting a cute one-bedroom with my best friend, living off cheap coffee and microwavable dinners. The next, I’m daydreaming about painting the walls neon pink (just because I can) in a place that’s mine. That’s when the… Read more

I remember the first day I realized I had to pay back my student loans. I felt a little sick to my stomach and thought, “There’s no way I can handle this.” But over time, I learned that paying off student loans can be much easier when you know a few helpful tricks. The best… Read more

I still remember the day I first heard the phrase “credit score.” I was hanging out with friends, sipping on iced coffee, when someone mentioned that you can’t get a decent apartment, car loan, or even a phone plan without a good credit score. My brain went, “Wait, what’s a credit score, and why does… Read more

I remember holding my very first paycheck in my hand, feeling equal parts proud and confused. I saw a bunch of numbers, strange abbreviations, and a total amount that was definitely less than I expected. “What happened to all my money?” I thought. I soon learned that paychecks aren’t just about how many hours you’ve… Read more

I’ll never forget the day I decided to set the audacious goal of racking up my first $100K net worth by 30. The thought of it felt so dreamy yet entirely terrifying. But as I’ve navigated my 20s, I’ve realized hitting this goal isn’t about luck or inheriting a load of cash—it’s about consistent, everyday… Read more