The Personal Finance Blog

The Most Dangerous Number in Your Portfolio Is the Last 12 Months

The most dangerous number in your portfolio is the last 12 months I have held some of my positions for more than a decade. I have read the studies....

The Behavior Gap: Why You Earn Less Than Your Own Funds

Why do you earn less than the funds you own? Here's the short answer: most of the gap comes from a handful of decisions you make when markets get l...

Just Got Laid Off or Expecting It Soon? Here’s How to Structure Your Finances

Worried about a potential layoff and wondering how to financially prepare? Here’s a step-by-step strategy to protect your savings, manage expenses,...

Why Budgeting Apps Keep Failing and Why Spreadsheets Still Win

Why do budgeting apps fall short while so many of us keep crawling back to spreadsheets?Because no app truly fits your life. Whether it’s syncing w...

How do I start saving and earning more when my finances are a mess?

If you're barely scraping by, buried in credit card debt, and juggling unpredictable income, the way forward starts with two clear priorities: cut ...

January 2024: A Fresh Financial Start

Dear Diary, As the new year began, I found myself filled with hope and determination to manage my finances better. January was all about setting th...