A key element that separates the rich from the poor is that the rich can invest and leverage other people’s money at a low-interest rate for their benefit.  On the other hand, the poor and the middle class often just use their own money or borrow money at an exorbitant rate from credit card companies or predatory organizations such as loan sharks. There is a reason why people constantly emphasize the important it is to have a credit score and that you should start early when it comes to building credit.  To help you be successful financially, you need to understand: What is a credit score? When do you…

Approximately 78% of full-time workers in the United States live paycheck to paycheck in 2019 according to a report by CareerBuilder.  This number is so astoundingly high because people often get overwhelmed and procrastinate on getting their finances together. On top of that, how to manage your finances isn’t taught in school. Yet I believe this is one of the most important skills you need to design a life that you love. Getting started in your personal finance journey is a daunting task. Money-related topics are taboo to talk about and emotionally draining.  But today, I want to share the basics of how I got started on my personal finance…