The Basic Rule of Personal Finance: Needs vs. Wants

“You Can’t Always Get What You Want” is a famous song by the Rolling Stones. This song speaks to the difference between desire and need. Sometimes, when you’re chasing something you think you need, life can be tough. But in the end, you often find you get what you actually need. This idea is central … Read more

Navigating Peer Pressure: Practical Tips for Sensible Living

We all have a deeply rooted need to belong and be accepted, and we naturally gather in groups where we feel comfortable. Unfortunately, it’s within these groups that we experience the power of peer pressure. While the term “peer pressure” might sound old-fashioned, today’s versions—like “following the herd” and “fear of missing out” (FOMO)—essentially mean … Read more

What You Need to Know about Avoiding Lifestyle Creep

Are you a Creeper? On the surface, you look successful. You’ve been climbing up the career ladder with one higher paying position after the next. You earn raises and bonuses. Yet, your savings are low and your life goals still lie far out of reach. If that’s you, you may be experiencing lifestyle creep that … Read more

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