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💰 Personal Finance

Regardless of where you are in your life with money, I hope this page can be helpful to you. I treat this like my own personal finance handbook and always refer back to it when I need help. I also update this when I learn something new so the learnings are available to you as well.

Here’s my promise to you—I will only write about something that I’ve experienced. I only feel comfortable talking about things I’ve gone through. I would feel cheated if I read something by someone who didn’t actually go through that, so I would never do that to you.

I write about all my experiences with money and all the things I wish I had known in the past. There were moments in my life when I was in a so much debt that I resorted to using credit cards (never a good idea!). In another story, I recount myself getting scammed by a street con artist. More successfully, if I don’t change anything in my life right now, I am on track to retire by the time I’m 40.

Keep in mind that I’m no expert and that anything you read shouldn’t be treated as professional advice. You should seek actual professional advice if that’s what you want. After all, I’m just a normal person trying to earn a living.

Managing Debt

Good debt vs bad debt

Why it’s not a good idea to become completely debt free, for debt is leverage (mortgage, low-cost education loans)

Saving For Retirement

Tax-Advantaged Accounts (normal, pre, post)

Roth IRA vs Traditional IRA

Backdoor Roth IRA

Roth 401k vs Traditional 401k

401k After-Tax Contributions

Mega Backdoor Roth IRA

Financial Tools

Banks: online high-yield savings account like Ally

Credit Cards: rewards like Chase Trifecta

Brokerage: free trades like Robinhood or WeBull


Never Eat Out Alone.

Cheap doesn’t always mean low-cost. Quality counts too.


You're Buying a Company


You're buying the option to exercise a contract

Real Estate

How I bought a home in my mid-20s and how you can too!


Shareholder Letters

  • Amazon
  • Warren Buffet
  • Google