Category: Lawyering

be happy on a low income

How to Be Happy on a Low Income

It’s easy to think that the rich life is the happier life, but it’s sometimes easier to be happy on a low income. Fact of the matter is, opulence can be an impediment to happiness. For instance, my friends still talk about a certain buffet...

the 50-20-30 budget is stupid

The 50-30-20 Budget is Stupid; Here’s What to Do Instead

The 50-20-30 budget is one of the most popular budgets according to personal finance “experts.” In it, you spend 50% on needs, 20% on savings/debt reduction and 30% on “wants.” This is a terrible plan for almost every income and lifestyle. The 50-30-20 budget is...

benefits of saving even small amounts

The Benefits of Saving Even Small Amounts

The savings rate for middle-class Americans is low. The rate jumped to 7.6% in 2019, but that’s still far below what it needs to be to put Americans on solid footing. Now that we are in unprecedented times and unemployment rates are up, savings will...

asians aren't cheap

Let’s End This Stereotype: Asians Aren’t Cheap

When I first visited China as an adult, I was really surprised to see Chinese people (over there they just call them “people”) drinking and smoking, wasting time, and being below-average violin players. Chinese Americans are not like that. Then I realized, Chinese and Chinese...

how to finally feel like you have enough

How to (Finally) Feel Like You Have Enough

When I was paying down my debt, it felt like I was fighting for every last penny. I’ll feel so much better after my debt is gone. But then, after my debt had been paid, I looked at my paltry bank account and still felt...