A blog about college, investing, cooking, psychology, saving money and general life concepts.
From a One-Bedroom Apartment to the World When I started my blog in March 2024, it was just me, my laptop, and a corner of my one-bedroom apartment in Tacoma. My “office” wasn’t much more than a desk pushed against a wall, but it was enough. I’d sit there at odd hours, typing out essays... Continue Reading →
Most people only ever see the leaves. They see the green, full tree in front of them, an investor with a portfolio, a student at a respected university, someone who lost weight, or a person running their own fund or blog. What they rarely see are the roots, the years of deposits, decisions, and compounding... Continue Reading →
Have you ever sat down to read a book, fully intending to get lost in it, only to slam it shut minutes later, heart racing, body buzzing, attention shattered? Maybe it’s a textbook, a self-help book, or something you actually want to read. You’ve set the mood: your music is playing, the light is soft,... Continue Reading →
You show up to work in clean clothes. You say “I’m fine” when your rent’s late. You bring snacks to the potluck even though you had to stretch $13 to make it happen. You keep the car clean, even though you’re two months behind on the insurance. You’re not rich. You’re not even “okay.” But... Continue Reading →
Someone once said, “When things get hard for me, I remind myself that they’re getting hard for other people too. The difference is, they’ll quit before I do.” That hit me. Because it’s not just about grit, it’s about endurance. It’s about understanding that in almost every field, especially in something like blogging, investing, or... Continue Reading →
There’s a concept from Charlie Munger that most people skip over. It’s called contrast misreaction tendency, or what we’d call contrast bias in psychology. It sounds abstract, like something you’d only use in a courtroom cross-examination or an economic thesis. But the truth is, you’re probably living it. If you’ve ever: Stayed in a bad... Continue Reading →
When people first hear about “owner’s earnings,” the term can sound like another piece of Wall Street jargon, something thrown around to impress rather than to clarify. But Warren Buffett and Charlie Munger use it for a reason. Owner’s earnings cut through the accounting noise and tell you, the investor, what really matters: how much... Continue Reading →
When you run a blog, especially in the early years, you start obsessing over the numbers. How many visitors did I get today? Why did yesterday look better than today? Is something wrong? Am I failing? It’s the same kind of panic a small business owner might feel when their shop only gets one customer... Continue Reading →
The other night I was standing at a bus stop, music in my ears that reminded me of where I came from. Not the kind of music people stereotype, but music that spoke to survival, to struggle, to the world I knew as a teenager. I looked over and saw a young parent with their... Continue Reading →
https://youtu.be/FS6o3qFimsc?si=NlfO_ptwvJEn9SOv I used to dream about this moment. This moment where I sit typing into the night while listening to classical music, this time Erik Satie’s Gymnopédies 1, 2, and 3 are soothing the night air as I think about how several years ago I was immersed in someone else’s financial journey, how they got... Continue Reading →
The Broke College Student 