personal finance

The ABCs of personal finance and investing; how to invest wisely and grow your wealth.

Having A House Is Pointless If You Don't Have Any Savings
A house is a luxury, and you do not need luxuries to experience success and fulfillment. Homeownership is often treated as proof that someone has “made it,” but that belief ignores context, timing, and individual financial reality. Success is not defined by what you own, but by how stable, flexible, and prepared you are for the future. For many people, chasing a house too early can actually delay real financial progress.
By Destiny S. Harris8 days ago in Trader
6 Dangerous Financial Habits To Avoid When You Feel Like Sh*t
We all experience low points in our lives. There's no escaping the highs and lows of life. We will be let down at times - even by the best people.
By Destiny S. Harris8 days ago in Trader
10 Gifts Investing Gives You
1. Financial Peace I didn't start experiencing glimpses of financial peace until decades after I started investing. After decades or years of investing, you start to see compound interest (#8) work in your favor.
By Destiny S. Harris8 days ago in Trader
What The Wealthy Do With Their First $100K & The Middle Class Skips
Hitting $100,000 in net worth feels like a finish line. You've been grinding. Saving. Investing. Watching the numbers crawl upward month after month. And then one day, you check your accounts and there it is - six figures.
By Destiny S. Harris8 days ago in Trader
What's the Best Move After Your Car Breaks Down
What's the Best Move After Your Car Breaks Down Two paths to explore. Let's see which path you pick. My car lasted for a little over a decade. I happily drove it to the end of the moon, and then it finally said goodbye.
By Destiny S. Harris9 days ago in Trader
Your Finances Can't Improve with Your Current Level of Thinking
"Let's say you are struggling financially. It could be stress about retiring, stress about your next bill, fear of losing your job, or anything else.
By Destiny S. Harris9 days ago in Trader
The Rule of 72 Explained - and Why You Need to Lock In Now
There's a reason wealthy people stay calm about money while everyone else panics. It's not confidence. It's math. Specifically, it's one rule most people never learn - or learn too late to benefit from fully.
By Destiny S. Harris9 days ago in Trader
How I Lost $5,000 Doing Options on AT&T
I lost $5,000 trading options on AT&T. And honestly? I deserved to lose it because I had no idea what I was doing. Today I'm gonna break down what options actually are - in the simplest way possible - and then give you the five lessons I learned the hard way so you don't repeat my mistakes.
By Destiny S. Harris9 days ago in Trader
The Wealthy Don't Build Fortunes in Retirement Accounts. Neither Should You.
For years, I preached the gospel. Max out your Roth IRA. Max out your 401k. Let compound interest do its thing. Die wealthy.
By Destiny S. Harris9 days ago in Trader
Saving Your First $100K Feels Impossible Until You Realize What You're Actually Fighting
Most people think saving their first $100K is hard because they don't make enough money. That's rarely the real reason. The real fight isn't income. It's friction. Social pressure. Short-term relief. Emotional spending disguised as "deserved." A lifestyle that quietly expands the moment money touches it.
By Destiny S. Harris9 days ago in Trader
I Paid $300 in Rent While Making Six Figures. It Was the Smartest Financial Decision I Ever Made.
In 2016, I rented a room from a family for $300 a month. I was earning close to six figures. I had no debt. No dependents. No reason I had to live that way.
By Destiny S. Harris9 days ago in Trader
Same Salary, Same Job - One Person Retires Early, the Other Can't. Here's Why.
Let me introduce you to two people. We'll call them Person A and Person B. They work at the same company. Same title. Same salary. $80,000 a year. Same city. Same opportunities. Same starting point.
By Destiny S. Harris9 days ago in Trader