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To move from employee to entrepreneur, you have to retrain how you think, not just what you do. That means letting go of the need for certainty, rewriting your identity, and choosing action over approval. The fears holding you back often aren’t 100% financial, but they could be mental patterns that feel safe but keep […]

Paying off debt for years can break you, and that breaking point has a name: debt fatigue. To fight back, you need a system that protects your motivation: build in small wins, add guilt-free spending to your budget, and pace your payoff plan so it’s sustainable and not soul-crushing. What Is Debt Fatigue? Debt fatigue […]

By reading this Ultimate Guide you’re already taking the first steps on your journey to a Rich Life. This is only an introduction to the ideas and material you’ll find inside IWT. I started this site in 2004 while I was studying technology and psychology at Stanford. I’ve spent the time since testing and honing […]

Protect your money during divorce by opening individual accounts, documenting all assets and debts, understanding your state’s division laws, and working with professionals to secure a fair settlement. Managing finances during separation means legally separating everything you shared with your spouse while ensuring you maintain financial stability after the divorce finalizes. What Happens to Your […]