A lot of newbie investors tell me, “I just have a low risk tolerance.” But here’s what I’ve learned: most of the time, that’s not actually true. What’s happening is that you’re trying to make long-term investment decisions without short-term clarity, which makes everything feel risky.   Here's wh...

There’s one simple rule that helped me stop spending money on things I didn’t actually care about: If it costs more than $50, I have to use it more than once.   That’s it.   Because a lot of times, we’re not overspending on essentials — we’re overspending on convenience, quick highs, and one-time...