Posts by David Baughier

In the realm of personal finance and self-improvement, there exists a concept that has gained significant attention and recognition: the aggregation of marginal gains. This powerful principle, made famous by its association with the British cycling team’s remarkable success, holds the potential to revolutionize not only our financial lives but also numerous other aspects of…

Insurance for investments is a subject that has increasingly come under the spotlight in our digital age. As information, and unfortunately misinformation, can spread at an unprecedented pace, the need to discern fact from fiction is paramount, especially when it pertains to financial decisions. In this rapidly evolving landscape, it is critical to approach the…

Discover the valuable lessons learned from “Money Heist” or “La Casa De Papel,” one of the most gripping Spanish series that has captivated audiences worldwide. Beneath its captivating plot lies a wealth of insights into finances, teamwork, and personal ethics. Here we take a look at the elements of “Money Heist” and highlight some practical…

Money Dysmorphia is a complex mental disorder about money that significantly alters an individual’s perception of their financial status. This condition often leads individuals to view their financial situation as more severe than it truly is, resulting in feelings of inadequacy, anxiety, and distress. This mental illness about money can have a profound impact on…

Songs about money have long provided a musical mirror to society’s complex sentiments towards wealth and financial matters. Covering a range of feelings from the struggle against financial hardship, the allure of extravagant affluence, to criticism of materialistic values, these songs span multiple genres including pop, hip-hop, country, and classic rock. Perhaps you will find…

When it comes to the concept of stock investing vs. gambling, there is often a swirl of confusion, misconceptions, and half-truths that cloud the discourse. The two domains, finance and gambling, are frequently viewed as worlds apart, their characteristics and risks unique and distinct. And if you are on your way to financial independence, and…

The “three-legged stool” is a classic metaphor in retirement planning. It represents a well-balanced retirement plan based on three distinct income sources: Social Security, employer pension plans, and personal savings. Each “leg” is intended to provide stability and security, ensuring that retirees can comfortably support their post-work lives. However, for those on their path to…

Searching for graduation gifts on a budget might seem like a daunting concept, but it doesn’t have to be. Giving a gift to honor a graduate’s hard work and accomplishments is a cherished tradition, and it doesn’t need to put strain on your wallet. Rising costs and financial constraints can make gift-giving challenging, but the…

The concept of debt in the US is woven into our daily lives, from our personal finances, such as mortgages, student loans, or credit card balances, to our national standing.  Understanding the complexities of debt in the US extends beyond individual household budgets—it plays a significant role in our national economy, our foreign relations, and…

Do I Tithe When in Debt? The practice of tithing, a central tenet of many faiths, often presents a dilemma when entwined with financial challenges. Specifically, many people find themselves asking, “do I tithe when in debt?” This complex question prompts us to delve deeper into the intersection of spirituality and financial responsibility. In this…