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  What Do You Really Want? In October 2016, Mary, a then twenty-four-year-old college graduate living in the cliche area of Bangkok, made what many would consider a risky, irresponsible, and foolish decision. She bought a tiny apartment and spent a few months investing everything she had into renovating the space and getting it ready for move-in. Once it was good to go, she packed up all of her things and moved in full-time. You must be thinking, “What’s the big deal?” She is twenty-four, she should be moving out and good for her for buying a house! Well, her new home was a bit different than what you might be picturing. For starters, there was no living room, dining room, or bedroom. The entire home was only 160 square feet, and along the outside of the structure, you could find four wheels and a hitch attached to it.  Mary’s home was a tiny house on wheels. She has been considering the move for a few years. Tiny homes were cheaper than regular ones, they weren’t restric...

Why Can’t We Achieve More Of Our Goals? So why don’t most of us achieve more of our goals? There are two challenges we face: Getting started on our goals after we have identified the steps Building momentum to keep us going until the action becomes normal. Luckily, finding a strong why can help us navigate these pitfalls quite well, but let’s dive deeper into these two factors to explore why they affect us so much and how we should be thinking about them. Why We Struggle With Getting Started Do you know that when you try to move any object, it requires more force to get it moving than it will require to keep it going? This happens because of two physical forces called static friction, the force that keeps a stationary object at rest, and kinetic friction, the force that brings it to a stop once it’s moving. In general, static friction is greater than kinetic friction, which is why it requires more force up front to get a stationary object moving than it requires to keep it moving. ...

  Overspending…Credit Cards…Lifestyle Of Failure It goes without saying that no one sets out in life to be a failure. Think back to all those dreams you had as a child about growing up and one day becoming a prosperous adult. Sure, back in our school days, we all had thoughts like that, even those of us who grew up dirt poor. We knew that when we grew up and got out on our own we would get a good job, find our niche in life, and be successful. Then when we entered middle school, we started looking around and saw that many adults weren’t living that dream. And we also realize that even our own parents are struggling. Both of my parents worked very hard, but never become wealthy. My father worked in a tire factory and my mother washed clothes for others. I remember when I was 6–7 years old, watching them looking at the menu in a nearby restaurant and wondering if we could afford to eat there. Even that young, I remember thinking, “I never want to live like that”. By the time I got to...

  Why — A Very Important Word “Why is Apple so innovative?” This simple question, as simple as it may seem, leads Simon Sinek, the New York Times bestselling author of Start With Why, to theorize the reason why some companies, and some people, seem to be able to move others to action, whether that action is buying a product or working harder, while the vast majority of companies and people are not able to do that. Based on Simon’s theory, if you want to inspire someone to take action on your behalf, you first need to understand and communicate your reasoning. But before you can convince other people of doing things, you need to convince yourself, right? Luckily, this same principle holds true when trying to inspire yourself to take action. One of the main reasons people don’t accomplish the things they like to do or even come close to is that they lose the initial excitement and momentum that drove them to set the goal in the first place. We get fired up after a moment of frustrati...

  Take Charge Of Your Life For many of us, the life we imagine for ourselves is simply out of reach or leaves us with no clear road map to get there. Even when we’re able to be lucid about what we want professionally, we may be dealing with a monthly budget that won’t let us make those moves. Very often, we hear from young people who hate their well-paying jobs but have zero chance of leaving them in the next several years because those same jobs are the only thing allowing them to make their loan payments each month without having to rent out their bedroom while they live in their storeroom. And even in that unfortunate situation, there are still nightmares to deal with: they are so many people who are dealing with jobs that they hate and jobs that pay absolute shit but they need those jobs to pay for their sky-high monthly bills. And this is why getting your financial situation in order is so important. Unless you have an iron grip on your budget, know what you’re spending a...

  10 Investing Rules Everyone Should Know Investment can be scary. There’s no arguing that. But there is an intelligent balanced way to approach investment that helps you reach your goals in a passive, low-impact way — one that makes the money that was otherwise just sitting there into a new stream of income. Even if your first step is simply emailing an HR person to ask a few basic questions, it is important that you start. There is no magic key that makes someone “an investor” or “not an investor”, the information is available to all of us. We can all decide the kind of portfolio we like to have, and the future we want it to create for ourselves — as long as we ask questions and pay close attention to the answers. Come armed with goals you want to achieve and how you’re comfortable with achieving them, and get started. Here are 10 investing rules everyone should know. Money is a tool, not a goal. When you’re clear about this, you’ll make a million small financial decisions d...

  Show Money You Are The Boss Investing is nothing like a poker game unless you do it like an idiot. Point-blank, investing is neither scary nor difficult. You have to know a few basic rules and get fluent in a few strategies, but it’s something everyone can master — even with just a few extra dollars a month. One of the most important parts of understanding investments is to start young, it’s easy to feel like the “making your money work” thing only applies to older people with a lot of money, but the reality is, it does not. Being young is like having a secret cheat code to increase your wealth because your money has a much longer time to grow. Giving yourself the right knowledge and understanding of the basic underlying principles of investing is half the battle won. Most of us avoid thinking about our money in terms of investment because it feels confusing or unnecessarily complicated. We often think of investments as an extremely active process, something that needs to be...

  How To Get Good With Money In A Year We live in a world that encourages us to spend wastefully, accumulate more than we need, and put off things like retirement saving until…. we’re basically retired. It’s easy to look around us and see all the things we could be buying to become the person we want to be and spend lots of money in the process. Becoming the person who is good with money is quite easy and straightforward but requires discipline, lots of it. Here are 9 steps to achieve it. Create A Budget Working without a budget, you have no chance of getting control over your money — and getting it to do what you want. Sit down with a few months’ worths of card statements and bills, track exactly what you're doing, and sort everything into a category. 2. Build An Emergency Fund It’s a recommendation that you have 3 months’ worth of all living costs saved up in an easily accessible, regular savings account. You can do up to six months’ worth, but at least initially, three mont...

Maximizing Productivity and Time Management I Don't Have Enough Time..... If you find yourself frequently saying you don't have enough time, it's time to address the issue and take action. Here are some strategies to use your time wisely and increase productivity. Value your time effectively: Recognize that you have 24 hours each day and prioritize tasks that align with your goals, bring joy, and propel you forward. Respect the limited time you have and invest it in meaningful activities. Delegate tasks: Identify tasks that you're not good at, don't enjoy, or can be done more efficiently by others. Delegate those tasks to free up your time for more important responsibilities. Overcome procrastination: Begin your day by working on essential tasks instead of getting lost in social media and email. Create a list of priorities and tackle the most important task first. Break down larger projects into smaller, manageable steps, and remind yourself of the reasons why the...