Money has two sides: how you earn it and how you manage it. Most people only focus on the first part — they work hard for a paycheck, hoping it will be enough. But the truth is, relying on just one income stream (usually earned...
New Admin
Meet Samuel J. Rivers, a passionate supporter of keeping things private and making sure money stays safe online. He likes making online things more secure and has a mission to help people like you feel confident when using the internet. He made this website because he really wants to stop people from losing money. Whether it's figuring out tricky sign-ups, helping with memberships, cancelling orders, or deleting accounts, Samuel is here to help you.
Mastering the 7 Types of Income and the Debt Snowball Strategy
Most of us grow up with one lesson drilled into our heads: work hard, earn money, and spend carefully. But here’s the truth — earning money is only the first step in financial success. The real journey begins with learning how to budget wisely and...
The 5–9 PM After Work Routine Planner for Personal Development
Most people spend their mornings rushing to work and their nights collapsing into bed — with little thought about the in-between time. We often hear advice about powerful morning routines, but the truth is, your after-work hours — the 5 to 9 PM window —...
The 7 Types of Income: A Complete Guide to Building Wealth
Most people grow up with one idea about money: you go to school, get a job, and earn a paycheck. That’s what we call earned income—and while it’s the most common type, it’s also the most limiting. Wealthy people think differently. They don’t just work...
The Ultimate Money Rules Cheatsheet: 7 Simple Rules to Master Your Finances
Money can feel overwhelming. Between investments, retirement accounts, mortgages, insurance policies, and the endless advice online, it’s no wonder many people freeze up when it comes to managing their finances. But here’s the good news: you don’t need to be a Wall Street pro to...
6 Finance Rules Everyone Should Know by Age 30
Money doesn’t come with an instruction manual. Most of us grow up learning math, science, and history—but very few of us are taught how to manage money. That’s why so many people enter adulthood unprepared, making expensive mistakes that can take years (or even decades)...
Stop Budgeting Like the Middle Class: How Millionaires Actually Manage Money
Part 1: The Psychology Behind Budgeting When most people think about budgeting, they picture spreadsheets, calculators, or a mobile app that nags them every time they grab a latte. But at its core, budgeting isn’t really about numbers — it’s about priorities and psychology. If...
The 5 Pillars of Wealth You Need to Build
Wealth isn’t built overnight. It isn’t luck, and it isn’t reserved for the chosen few. It’s a system—a structure of decisions and habits that compound over time. If you study the lives of financially successful people, you’ll notice a repeating pattern: they don’t just earn...
How Much Money Should You Keep in Each Account? A Practical Guide to Financial Buckets
Managing money can feel overwhelming. Should you keep more cash in your checking account? Is a savings account enough, or should you invest? What about retirement accounts, health savings accounts, or brokerage funds? The truth is, financial peace comes from organizing your money into the...
No Spend Month Budget (Worksheet)
Imagine this: it’s the end of the month, you check your bank account, and once again you’re asking yourself, “Where did all my money go?” You know you paid rent, bought groceries, and filled up your gas tank—but somehow the little “extras” have eaten up...