Blog

Active investing is when you try to beat the market by handpicking stocks, bonds, or other investments. Passive investing is when you buy broad funds like index funds or ETFs to simply match the market. For almost every beginner, passive wins because it’s cheaper, easier, and has historically outperformed most active strategies. The Reality of […]

Instead of reacting to whatever demands your attention the loudest, use time management systems to accomplish what matters. The key is using systems that reduce decision fatigue, protect your focus, and match your real energy levels. 12 Time Management Systems That Work in Real Life There’s no shortage of time management advice online, but most […]

Setting your hourly rate for freelancing services comes down to three things: knowing your market, charging your worth, and raising rates with confidence. Freelancers in the US average about $48 an hour, but skilled pros in areas like marketing, copywriting, and AI easily charge $100+. Raise your rates when demand is high, your skills improve, […]

A subscription audit involves reviewing all your recurring monthly or annual charges to determine what you’re paying for, the associated costs, and whether you’re actually using those services. Pull your last three months of bank statements, list every recurring charge, cancel what you don’t use, and set up a tracking system so subscriptions don’t pile […]