Dear Dave,My wife has run her own small business for the last three years. I try to be positive, and help whenever I can, but the truth is things aren’t going very well. In fact, the business has never really shown signs of getting off the ground. Over the last several months, we’ve been putting part of what I make at my job into the business to help keep it open. We’ve also taken money out of savings to bolster things, and now our savings account is pretty low. I want to support her, because she loves what she’s doing.…

A personal loan can be a great financial tool when you need immediate funds for various needs such as medical emergencies, home renovations, or debt consolidation. However, a high-interest rate can increase your overall repayment burden. Fortunately, there are ways to secure a lower interest rate, helping you save money in the long run. Here are some proven strategies to help you get the best possible deal on your personal loans. 1. Maintain a High Credit Score Your credit score is one of the most important factors that lenders consider when determining your interest rate. A higher credit score indicates…

Are you having trouble making more money or managing it wisely? Is financial lack a constant source of stress and pain? Consider this. What if you stopped approaching finance as a purely practical process and started treating it as a spiritual practice? What if, along with learning the practical facts, you focused on developing a deep sense of trust in the inexplicable forces of the Universe, along with learning the practical facts? In my experience, the moment you inject faith into finances, the instant you invite the Divine into your relationship with the ‘almighty dollar,’ your experience with money grows deeper, richer, and more meaningful. Everything…

My Rich Habits research has taken me down many rabbit holes. Because habits are forged by the brain, I’ve been forced to take a deep dive into the anatomy of the brain and brain function in order to understand how the brain physiologically creates habits. After many years of studying the brain, I found myself forced down another rabbit hole – quantum mechanics. Why quantum mechanics? Well, several recent studies on the brain have determined that our brain is not what we thought it was. It turns out the brain is a quantum-based computer, specifically the myelin sheath part of…

Image by Elisa Ventur In today’s workforce, the idea that a college degree is the only pathway to a high-paying career is quickly becoming outdated. While higher education still holds value for many, it’s not the golden ticket it once was. Soaring tuition costs, student debt, and shifting employer priorities have led many to look for alternative routes to financial success, and those routes are out there. There are jobs that offer impressive hourly rates, flexible schedules, and long-term career potential, all without requiring a traditional four-year degree. Whether it’s a hands-on trade, a specialized tech role, or a high-demand…

Derek Sivers famously once said “If [more] information was the answer, then we’d all be billionaires with perfect abs.” But that’s not human beings work. It’s usually not about information but human behavior. And our lizard brains, as much as we don’t like to admit it, are in control. And that’s the big reason why financial advisors are able to charge a percentage of assets under management. If we know that 1% is too much to pay someone to manage our investments, why do so many people do it? In fact, why do so many people pay even more than…

Image by Alexander Mils Money may not be the most romantic topic, but it has a powerful impact on the health of any relationship. Even couples who are deeply committed can find themselves at odds when financial stress enters the picture. What starts as a minor disagreement over spending can quietly snowball into deep resentment, miscommunication, or even a complete breakdown of trust. Financial incompatibility doesn’t always show up in the beginning. Early on, many couples sweep it under the rug, assuming love will override any monetary tension. But over time, persistent financial sore spots tend to reveal themselves, and…

Image by Olga DeLawrence For Baby Boomers nearing retirement, or already there, tax season isn’t just about paperwork. It’s a key opportunity to protect long-term savings, reduce taxable income, and preserve wealth for the future. With the right strategies, Boomers can hold onto more of their hard-earned money and avoid common pitfalls that eat into retirement income. As the financial landscape changes, so do the rules and opportunities around taxation. Whether someone is living off Social Security, drawing from retirement accounts, or still earning part-time income, the IRS still wants its share. But that doesn’t mean older adults are powerless.…

Worried about cyberattacks on mutual funds? Learn how to protect your investments, track your data, and stay safe in case of digital breaches. In April 2025, a cyberattack on Nippon India Mutual Fund sent shockwaves through India’s investing community. As one of the country’s largest asset management companies (AMCs), Nippon is trusted by millions. When their systems went down — making it impossible for investors to access portfolios or perform transactions — it raised serious questions about safety, transparency, and investor protection in the digital era. While Nippon stated that investor money and data were not affected, the event left…

Image by Richard Sagredo Much of the case against traditional wills rests on the availability of non-probate transfer options. These are tools that allow assets to pass directly to beneficiaries without going through court or requiring a will at all. Payable-on-death accounts, transfer-on-death deeds, and joint ownership arrangements can accomplish what a will typically does, often faster and with less expense. These options have become increasingly popular among seniors who want to ensure their estates are handled simply and privately. Unlike wills, which must go through probate, non-probate transfers take effect immediately upon death. For individuals with straightforward estates and…