Personal Finance

The 50/15/5 rule allocates 50% of take-home pay to essentials, 15% to retirement, and 5% to short-term savings, leaving 30% for everything else. This budgeting framework actually works because it focuses on the big picture, rather than forcing you to track every coffee purchase.  What Is the 50/15/5 Rule and Why It Beats Other Budget […]

You can turn your expertise into income by getting specific about your niche, defining the transformation you offer, choosing one platform to start, packaging your expertise into products or services, and building visibility by giving value first. What Gold Mine Are You Sitting On? (How To Recognize Your Hidden Expertise) Most people walk around with […]

Idle cash refers to money sitting around earning zero returns, whether it’s stored in a safe, held in a checking account with no interest, or simply accumulating without any productive purpose. If you know me, you know I’ve strongly advised against letting money sit idle like this because it’s one of the biggest wealth-killing mistakes […]

Most budgeting advice is useless if you have ADHD. It’s written for people who can track every penny and stick to rigid rules, not for when you can’t help but forget things, impulsively spend, and struggle with motivation. The answer to this isn’t more willpower or stricter tracking. It’s about utilising automations and having a […]