In my Rich Habits Study, I had the fortunate opportunity to peer into the lives of 128 individuals who struggled financially in life. My goal was to figure out the underlying causes of their financial struggles. I learned many things. For instance, I learned that those who struggled financially had habits that, in many instances, were the polar opposite of the habits of the self-made millionaires in this same Study. Certain habits I uncovered related to money. Those who struggle financially, I found, are just not very good with their money. There are numerous reasons for this, but I believe…

(This was inspired by a discussion in my online community, The Wealth Connection. I listened with awe to women who put this principle into practice and reported miraculous changes.) You want to create financial miracles? Let me tell you how. The secret is deceptively simple, incredibly powerful, yet can be so uncomfortable, many won’t want to do it. But if you’re willing to try, and you’re consistent in your efforts, you’ll experience significant change, often within a very short time. The secret is this: Stop telling your old story. Stop talking about your life as it’s been: your flaws, your fears,…

Image by Pixabay of Pexels As we navigate through 2025, the stock market continues to present both opportunities and challenges for investors aiming to meet their financial goals. Despite market volatility, certain stocks have demonstrated resilience and potential for growth. Here’s a curated list of 15 stocks across various sectors that could help you achieve your financial goals this year.​ 1. Nvidia Corporation (NVDA) Nvidia has solidified its position as a leader in graphics processing units (GPUs), which are essential for gaming, data centers, and artificial intelligence (AI) applications. The company’s expansion into AI and machine learning has opened new…

When you invest in mutual funds through a Systematic Investment Plan, each contribution you make – monthly, quarterly, daily, or at any other interval – is invested at different times and with different Net Asset Values. Every installment counts as its own investment, which means that each contribution will experience different market conditions, and holding periods, and generate varying returns.  Using CAGR to evaluate your SIP returns will not provide an accurate picture because CAGR assumes a single investment with constant growth over time. In SIPs, multiple investments happen at different times, and each contribution amount grows at a different…

The RBI’s repo rate cut has made gilt mutual funds look attractive, but blindly investing now can expose you to volatility and unexpected losses. The RBI’s recent repo rate cut has made headlines — and so have gilt mutual funds, which invest exclusively in government securities (80%). With long-term gilt funds showing sharp upward movements, many investors are now tempted to ride the wave. After all, gilt funds are considered safe in terms of credit risk, and with interest rates falling, they seem like a no-brainer. But wait — there’s a lot more beneath the surface. While gilt funds offer…

Image by Pixabay of Pexels Renting a home or apartment comes with a certain kind of freedom. No mortgage, less responsibility for major repairs, and the ability to pack up and move when needed. But sometimes, that freedom can feel limited, especially when you’re living in a space that doesn’t quite reflect your style or comfort level. You might be tempted to treat your rental like your own home and start upgrading things to better suit your tastes. While some small improvements are harmless or even reversible, others can end up costing you money, your security deposit, or even your…

How to Make Money with a Blog – Learn Why the “Blogging is Dead” Camp is Wrong By, Ramona Jar Every few months someone comes and tells the world “Blogging is dead.” and yet many of us still make money with a blog. Blogging has been dead for at least 10 years now, since the early adopters started making money and then claiming it’s a done deal – you can’t create a profitable blog. And yet, every year, new bloggers appear on the ‘map’ and earn a good income. Is blogging really dead? Well, blogging as we knew it a…

Image by CHUTTERSNAP of Unsplash Missing a car payment once might be manageable. But when you know you simply can’t make the next one (or the next few), it’s time to face a tough but honest question: is it time to give the car back? Voluntary repossession, or “voluntary surrender,” sounds extreme, but for many people, it can be a strategic way to regain financial control. It’s not easy, but it’s often better than letting the lender come find your car and take it away. And while your credit will take a hit either way, there’s a right way to…

The contribution limits for various tax-advantaged accounts for the following year are usually announced in October, except for the HSA, which comes out in April or May. The contribution limits are adjusted for inflation each year, subject to rounding rules. You can only contribute to an HSA if you’re covered by a High Deductible Health Plan (HDHP) with no other coverage. You can use the money already in the HSA for qualified medical expenses regardless of what insurance you currently have. HSA Contribution Limits 2025 2026 Individual Coverage $4,300 $4,400 Family Coverage $8,550 $8,750 HSA Contribution Limits Source: IRS Rev. Proc. 2024-25,…

Image by Cottonbro Studio from Pexels Divorce doesn’t usually happen overnight. While some separations result from a sudden crisis, most build slowly over time. And more often than not, the signs are there long before anyone utters the word “divorce.” You just have to know where to look. If you’ve noticed subtle but consistent changes in how you and your partner communicate, connect, and co-exist, it could be more than just a rough patch. Certain behaviors, especially when they show up regularly, can quietly erode a marriage until the emotional distance becomes impossible to bridge. Here are ten behaviors that…