What Is Bitcoin Bitcoin is a digital coin of which there are 21 million of. Some are lost, some are not mined yet and the rest are in circulation. There are approximately 15M-18M coins that are in circulation/on cold wallets/on…
Tuning Your Finances For 2021
As of December 2020, we can officially say that we have entered a second wave of the Coronavirus. Outdoor seating is starting to close down and people here in California are becoming more cautious again. Also, the stock market has…
The Realities Of Living In Silicon Valley
It’s the amazing sliver of land that extends from San Francisco to South San Jose, nestled in between two big mountain ranges with a big body of water in the middle. Insanely great weather is virtually perennial. Access to the…
Manage Your Money Maturely
Work, get paid, buy stuff on credit cards, save a few bucks and put it in a traditional bank. This is what most of America is doing. In order to have financial independence you need to treat your finances like…
The Difference: Index Fund vs Mutual Fund vs Exchange Traded Fund
It can all be confusing: Indexes, ETFs, Mutual Funds, Index ETFs, Index Mutual Funds. What the heck is all the difference? So What Exactly Is An ETF (Exchange Traded Fund)? Everyone knows that we can buy individual stocks. We also…
Services Worth Splurging On
On my website I have been a massive advocate of splurging things on what you truly love and mercilessly cutting back on all the other stuff. Here are a few things worth spending money on: Uber and Lyft If you…
Should You Invest Or Pay Off Debt?
First of all, let me say that if you are a holder of school debt or credit card debt, my sincerest apologies go out to you. You see, I’ve had both of these types of debt. At one point, I…
What I Learned During Covid
COVID The regular influenza infects 36 million people and kills 35,000 in the US every year. That is about a .1% death rate. The coronavirus as of Nov 17th has killed 1.33M people with 387M infected globally. In reality the…