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    Behind The Shine 2/3/23

    Leverage is great, but it’s not great for everybody.  It’s meant for people that understand how to use it.  There are a lot of things in...

    Behind The Shine 1/27/23

    In today’s market, we’re like a semi-truck going down a hill.  Everyone knows that you’re not supposed to use your brakes when you’re driving down...

    Behind The Shine 1/20/23

    Here's my advice to most people… In general, put your focus on saving your money. Put your focus on paying off your high-interest-rate debt. Put...

    Demand for New Mortgages Jumps 28% in One Week

    Despite fears that home sales will keep sinking in 2023, mortgage applications rose sharply last week. We’ll be referencing this article from Yahoo! Finance. Mortgage applications...

    Behind The Shine 1/13/23

    The “latte factor” is a well-known concept in personal finance. The argument is that you end up wasting so much on little things — like a...

    Coffee Isn’t Making It Hard to Reach Your Financial Goals, But These Mistakes Are

    The "latte factor" is a well-known concept in personal finance. Essentially, the argument is that you end up wasting so much on little things -- like...

    Home Prices Are Falling and Consumer Confidence in Housing Finally Rises

    Mortgage rates are still twice what they were a year ago, but home prices have been falling since June, and that’s finally making consumers...

    Behind The Shine 1/6/23

    We all know the value of learning, but for some reason when we’re in a conversation with somebody else, we don’t think about learning....

    New Year’s Financial Resolution: Building An Emergency Savings

    When it comes to financial resolutions for 2023, there’s one goal at the top of many people’s lists: building an emergency fund. We'll be...

    Behind The Shine | 12/30/2022

    Consider how your portfolio can be perfectly balanced, as all things should be.  Consider yourself Thanos, and ask, “How could this all fall apart? And...

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