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Midlife Plan

Financial Discipline: One Day a Week Without Spending Money

Most people run out of money before their next paycheck not because they earn too little, but because they don’t really know how to save. During the accumulation phase, saving is often far more important than increasing income. To save money, you have to pay close attention to your daily expenses. Not the big, obvious […]

Midlife Plan

Small Money, Short Time: ETFs vs Micro-Investing

What is the best way to invest small amounts of money every month?The answer I found—after reading and watching many videos from investment experts—is simple: ETFs. But there is a small problem… time. When you invest for the long term—10, 15, or even 20 years—ETFs are a great solution. Investing small amounts every month can

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King Snowman and the Age of Ice

Somewhere on the edge of the world, in the far and frozen north, lived the snowmen. And since all they needed was cold and snow, the number of snowmen was always increasing. As happens in life, and in our story, a bigger snowman decided to become king over the snowmen. Since no one had anything

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