The ESG Investing Scam: Wall Street’s Latest Money Grab ESG investing—short for Environmental, Social, and Governance—sounds like a great idea. It promises to direct money toward companies that care about the planet, treat employees well, and follow ethical business practices. But in reality, it’s just another way for Wall Street to sell expensive investment products…

The S&P 500 is up 4% in 2025, and already, I’m seeing people claim that a market crash would be great for younger investors. I have heard in a podcast or two the following ideas: “The upside of shrinking these asset prices is that it gives [young and working-class people] a legitimate chance to buy…

If the recent stock market turbulence has you slashing your retirement budget, it might be a sign that you were relying too heavily on ever-rising asset prices. But new research suggests that spending less as you age isn’t necessarily a sign of poor planning—it’s actually quite common, even among those who plan well. The Myth…

Understanding Purpose and Independence in Personal Finance Purpose varies for everyone—family, community, religion, work, or personal passion. However, independence is more universal. The desire to be independent, the obstacles preventing it, and the self-sabotaging behaviors that hinder it are common threads across cultures and generations. Take my neighbor, Rosa (a pseudonym). She confided in me…

Wealth isn’t just about digits stacked in a bank account or a closet full of things you don’t even wear. It’s about how you feel when you check your balance. Calm or panicked? Empowered or ashamed? Money may be math on the surface, but underneath, it’s all emotion. There’s something quietly powerful about the stories…

Key Takeaways: Reducing your electric bill involves smart energy habits and efficient usage. Switch to LED lighting, unplug unused devices, and use energy-efficient appliances to cut costs. Adjust your thermostat wisely and improve home insulation to reduce heating and cooling expenses. Take advantage of off-peak electricity rates and consider renewable energy options if available. Simple…