retirement

  • Why All the Gen Z Kids Love ‘Soft Saving’ (and How to Do It)

    Why All the Gen Z Kids Love ‘Soft Saving’ (and How to Do It)

    I’ve written before how you should treat your budget like a healthy diet. Sure, you can try intense restriction—like the FIRE movement’s math-heavy approach—to get you an early retirement. But on the other end of the spectrum, you may spiral out into revenge spending, dooming your finances the same way binge-eating can doom your diet.…


  • You Should Know Which ‘Financial Phase’ You’re In

    You Should Know Which ‘Financial Phase’ You’re In

    You’ve probably experienced monthly or yearly fluctuations in your budgeting and spending (or a weekly one; hey, inflation). At times it may seem like you’re just hanging on for dear life. But if you think long term and big picture about your financial well-being, there exists a general structure to help you earn, save, and…