Saad Iqbal 
“It is not what you earn that determines your wealth; it is what you keep.” There is a persistent myth among the general public that the tax code is “broken.” People often look at headlines regarding billionaires paying a lower effective tax rate than their secretaries and assume this is the result of illegal evasion … Read more
Every year on January 1st, millions of people set goals. “I want to get in shape.” “I want to save more money.” “I want to learn a new language.” By February 1st, 80% of those people have quit. Why? Are they lazy? Are they incapable? No. They failed because they didn’t set goals; they set … Read more
For millions of people, the “office” is no longer a commute away. It is down the hall. When the world shifted to remote work, many of us improvised. We worked from kitchen tables, slumped on sofas, or hunched over laptops in dark bedrooms. We treated it as temporary. But “temporary” has become permanent. And if … Read more
We have all been there. It’s 11:30 PM. You are lying in bed, scrolling through Instagram. You see an influencer wearing the perfect cozy loungewear set. It looks soft. It looks comforting. You click the link. You select your size. You hit “Apple Pay.” Double-click. Done. The dopamine hits your brain instantly. You feel a … Read more
When you ask people how much money they need to retire, they usually guess. “One million dollars?” “Five million dollars?” “I’ll just work until I die.” Retirement planning often feels like shooting in the dark. You are trying to solve a math problem where you don’t know the most important variable: How long you are … Read more
It’s Friday at 5:00 PM. The work whistle blows (metaphorically), and the “weekend mode” switch flips in your brain. For most of us, “weekend mode” is synonymous with “spending mode.” We order takeout because we are too tired to cook. We meet friends for drinks ($15 cocktails). We wander aimlessly into Target or IKEA “just … Read more
We are living in an attention economy, and right now, we are losing. The average human attention span has reportedly dropped to 8 seconds—shorter than that of a goldfish. We sit down to work, but within three minutes, we are checking email. Then we check our phone. Then we get a Slack notification. Then we … Read more
If you keep your money in a savings account, you are losing money. That sounds harsh, but it is the mathematical truth. If your bank pays you 0.5% interest, but inflation (the rising cost of goods) is 3%, your purchasing power is shrinking every single year. You are safely going broke. To build real wealth—the … Read more
There is a specific feeling that hits most people around 4:00 PM on Sunday. It starts as a low-level hum of anxiety in the pit of your stomach. You look at the clock and realize the weekend is dying. You start thinking about your inbox. You remember the laundry you didn’t do. You dread the … Read more
In the modern world, your credit score is your adult report card. It determines whether you can buy a house. It determines what interest rate you pay on your car (which can save—or cost—you thousands of dollars). In some states, it even determines how much you pay for car insurance or whether you get hired … Read more