real money growth


eating out: my favorite hobby, but it adds up fast!


I’ve exceeded my monthly restaurant budget already! Eating out is definitely one of my most expensive hobbies. I consider it a hobby, because I could technically survive without it; I could just eat at home. For the last year of my life, I’ve been able to eat just about anything without getting sick - I discuss this briefly in my article titled “health insurance: is cheaper always better?”. So, I’ve been over-indulging. You name it: Taco Bell, In-N-Out Burger, McDonalds, Cheese Cake Factory, etc. The list goes on and on.

emotional purchases: are they okay?


Since I was forced to sell my motorcycles in order to pay for college, I was eager to buy them back after I graduated. I knew that I would not be able to buy the original bikes back, since I had no way of tracking their owners and locations. In 2017, I had saved quite a bit of money in my employer sponsored 401K – I didn’t know about IRAs yet – and decided that it was okay for me to spend some cash on a racing shifter-kart. I wanted something fairly new, because I wanted …

side-hustles: sometimes they flop, but it's okay


Side hustles; not all of them work out the way that you want them too. As Grant Sabatier puts it in his side-hustle video, the key is to not over-invest during the start-up. I’ve over-invested in multiple side hustles prematurely, especially when it comes to application development. I think of an idea, put the time and development into the application, create a new website …

yet another failed side hustle attempt


It was February 1, 2017, and I was packing up my studio apartment in San Clemente California. I was getting ready to move in with my fiancee - girlfriend at the time. We signed a 12-month lease on an apartment in Placentia California. I had a lot of things that I couldn’t bring with me to our new apartment complex. I gave my propane BBQ to my neighbor, threw out a bunch of truck …

trading options: started as a hobby with a friend, turned into a big mistake


I remember the morning like it was yesterday. I woke up to a text from my friend; it was right around 7:30 AM PDT. The text read,

“Dude, I just made $80 bucks this morning off of Snap puts.”

I thought to myself, one, what is a put, and two, how do I buy them? I was familiar with the company Snapchat - known simply just as Snap to traders - and had heard rumors that the company was not performing well. I texted my friend back and asked …

buying a 20-year-old truck: took a small hit


Growing up in Northern California, in a very small town with population around 3,500, surrounded by farm land, I knew from an early age that I had to buy a lifted truck. I also knew that this dream would not come true for a while.

My aunt gave me my first vehicle. It was an old sedan with transmission issues. My father and I fixed the issues for cheap, and I drove the car while attending high school. A few years, and a few vehicles later, I had graduated from CSU Fullerton with a Bachelor degree in Probability and Statistics.