It’s not what you make but what you get to keep. Think about that for a second. If you are a physician in California that makes $500K per year, do you really make $500K per year? No you don’t. With combined state and federal taxes, you make half of that. The Federal government and the State of […]

We are now just a few weeks away from a presidential election. Ordinarily that is, in and of itself, a wildcard for the economy. People tend to freeze up in times of uncertainty. Factor in some kind of October surprise which would not surprise me, on-going COVID-19 fall-out and decreases in government support and who […]

“Saying yes will get you to a million. Saying no will get you to $100 million.” That’s the advice I once got from a very successful centimillionaire friend of mine. And while, on the surface, it may seem like one of those things rich people say to sound profound, I assure you that the power […]

If you want to be wealthy, do as the wealthy do. The wealthy do not use IRAs and 401Ks to invest in heavy loaded mutual funds. That system is set up to make others wealthy! The ultra-wealthy get a completely different set of options when it comes to investing their money. They often have direct […]

People are social animals. We aren’t designed to be wearing masks, not touching each other, and quarantining. Yet for the last six months, that’s been our predicament. At the same time, we are increasing our dependence on digital socializing through social media and have significantly increased our collective screen times and subsequent exposure to toxic […]

It is the second week of September—my birthday week. And…as I reflect on the past 12 months, I can’t help but think, “What a shitty year”. The only solace I take in my reflection is knowing how radically things can change over the course of 12 months. The pendulum just needs to move the other […]