How to Invest in Bonds
drhoineyBond investing is a complicated topic. I recently spent some time to really learn and dive deep into the world of bonds and I can flat out say its sucks.…
The 2 Things You Need to do to Build Wealth
Every dollar saved or invested today should have a purpose and be dedicated towards satisfying the present need of the future you.
My moment of clarity – Why Black Capitalism Matters
My first mental model of Black wealth was created in 2003, when I visited Prince George's County, Maryland after entering the U.S. Naval Academy. "PG county" as its affectionately known,…
The 3 Personal Finance Rules You Need To Know.
We, as humans tend to overcomplicate things. Topics we think are complex are actually a combination of simple concepts when viewed at a 50,000 ft level. Personal finance is no…
Capital Gains Suck, here are 5 Ways to Avoid Them
I’ve said it before and I’ll say it again, I hate taxes. But the reality is you can’t avoid them, so you need to know how to pay the game. …
Stop With The Struggle Porn, You Don’t Need F.I.R.E
Let me start by saying this, the F.I.R.E movement in theory sounds great, however it’s morphed into struggle porn and I am not cool with that. F.I.R.E also known as…
You can’t take it with you
Two things are guaranteed in this life: you’ll pay taxes and someday you’re going to die. Thats the reality of the true common nature that we all share. There will…
Fix your credit: FOR FREE
If your credit score is less than 680, you need to fix your credit. Before you can fix your credit you need to know what is impacting your credit and…
Stop keeping up with the Joneses
Personal finance gurus will preach from the high heavens that you can be a Millionaire at any income level. This statement should come with an asterisk. The reality is most…
Everything you want and don’t want to know about personal budgets
What is a budget? A budget is how you plan to spend YOUR money. Its a system to keep track what dollars are coming in and where/when they are going…