personal finance
The ABCs of personal finance and investing; how to invest wisely and grow your wealth.
What The Wealthy Do With Their First $100K & The Middle Class Skips
Hitting $100,000 in net worth feels like a finish line. You've been grinding. Saving. Investing. Watching the numbers crawl upward month after month. And then one day, you check your accounts and there it is - six figures.
By Destiny S. Harrisa day ago in Trader
What's the Best Move After Your Car Breaks Down
What's the Best Move After Your Car Breaks Down Two paths to explore. Let's see which path you pick. My car lasted for a little over a decade. I happily drove it to the end of the moon, and then it finally said goodbye.
By Destiny S. Harris2 days ago in Trader
The Rule of 72 Explained - and Why You Need to Lock In Now
There's a reason wealthy people stay calm about money while everyone else panics. It's not confidence. It's math. Specifically, it's one rule most people never learn - or learn too late to benefit from fully.
By Destiny S. Harris2 days ago in Trader
How I Lost $5,000 Doing Options on AT&T
I lost $5,000 trading options on AT&T. And honestly? I deserved to lose it because I had no idea what I was doing. Today I'm gonna break down what options actually are - in the simplest way possible - and then give you the five lessons I learned the hard way so you don't repeat my mistakes.
By Destiny S. Harris2 days ago in Trader
Saving Your First $100K Feels Impossible Until You Realize What You're Actually Fighting
Most people think saving their first $100K is hard because they don't make enough money. That's rarely the real reason. The real fight isn't income. It's friction. Social pressure. Short-term relief. Emotional spending disguised as "deserved." A lifestyle that quietly expands the moment money touches it.
By Destiny S. Harris2 days ago in Trader
Same Salary, Same Job - One Person Retires Early, the Other Can't. Here's Why.
Let me introduce you to two people. We'll call them Person A and Person B. They work at the same company. Same title. Same salary. $80,000 a year. Same city. Same opportunities. Same starting point.
By Destiny S. Harris2 days ago in Trader
6 Financial Lessons Working in the Retail and Fast Food Industries
I've worked in retail, fast food, and technology. The interesting thing about working in retail is how big of a discount they give to employees. I recall working at American Eagle, where the discount they gave employees was 50%. When I worked at Victoria's Secret, the discount was anywhere from 30% to 50% as well.
By Destiny S. Harris2 days ago in Trader
How Much Gold and Silver Should I Own?
In recent months, gold and silver underwent an incredible rise in value, prompting many investors to ask, “How much gold and silver should I own?” These recent trends may explain why, according to Morningstar, roughly 38.6% of Americans aged 35-64 bought gold or silver in 2025.
By Sound Money2 days ago in Trader
