Author name: Holly Burns

The journey from working class to wealthy isn’t just about accumulating money in your bank account. Psychology research reveals that the most significant changes happen in your mind long before your financial situation transforms. These mental shifts are so predictable that experts can often spot them before someone becomes rich. Understanding these psychological changes is […]

Have you ever wondered why some people seem stuck in the same financial situation year after year, despite working hard and earning decent money? The answer might surprise you. Research shows that building wealth isn’t just about how much you earn or how smart you are with numbers. Instead, it’s mainly about the psychological patterns

Few people understand the power of smart spending habits better than Rachel Cruze when it comes to saving money. As Dave Ramsey’s daughter and a personal finance expert in her own right, she grew up watching her parents recover from bankruptcy and build a financial empire from the ground up. Despite describing herself as a

Something big is happening in offices worldwide—but it’s not loud. There’s no dramatic collapse, no smoke or sirens. Instead, it’s a quiet revolution in which AI slowly takes over many tasks once handled by white-collar workers. From entry-level recruiters and assistants to analysts, writers, and designers, AI tools are being trained to do the work

Japan has developed a unique approach to financial management that’s completely different from what most of us are used to. While many cultures focus on earning more money or finding quick financial fixes, the Japanese have mastered something much more powerful: mindful, efficient, and long-term money habits. Their approach isn’t about flashy investments or get-rich-quick

Artificial intelligence isn’t coming for jobs—it’s already here and working faster than most people realize. MIT research shows that AI will replace 2 million manufacturing workers by 2025, but the impact extends beyond factory floors. The transformation is from customer service chatbots handling millions of interactions to AI systems writing code at major tech companies.

Baby boomers are reaching retirement age in record numbers, with over 11,000 Americans turning 65 daily. While many boomers have worked hard and saved wisely throughout their careers, two-thirds will struggle to meet their financial needs in retirement. Over half have less than $250,000 saved, making wise spending decisions more crucial than ever. The good

While modern money-saving advice focuses on apps and investment strategies, some of the most powerful frugal living secrets have been hiding in plain sight in grandmothers’ kitchens and homes for decades. Depression-era grandparents developed incredibly resourceful money-saving techniques that modern families rarely discuss but could save hundreds annually. These techniques were born from necessity during

With the instability of inflation and rising costs, frugal living has become more than just a lifestyle choice—it’s necessary for many families. Everything seems to cost more, from grocery bills to rent, streaming subscriptions to simple outings with friends. But here’s the good news: frugal living isn’t about cutting joy out of your life or

The dream: waking up every morning and choosing how to spend your day, not because you have to work but because you want to. The average American saves just 4.6% of their income and takes 13 to 45 years to save even one year’s living expenses. But what if a more innovative way existed to

In the 1980s, children were seen but not heard. They were taught to respect their elders and do what they were told. This world was vastly different from today’s highly supervised, technology-driven childhood, where parents hover over every decision and shield kids from disappointment. Growing up in the 80s meant learning life lessons through real

You drive three hours to four stores to save $12 on groceries, only to burn through $15 in gas money. Sound familiar? We’ve all been there, chasing small savings while missing the bigger financial picture. This happens because our brains struggle to keep money in perspective—the same reason someone might spend 20 minutes comparing prices

Have you ever wondered what separates wealthy women from everyone else? It’s not just about having a trust fund or landing the perfect job. Research shows that 88% of wealthy people read for at least 30 minutes daily, and about 80% of millionaires are self-made. The difference between the rich and everyone else is their

5 Small Moves That Can Have a Big Impact on Your Money Mindset Picture this: you’re lying awake at 2 a.m., mentally calculating whether you can afford groceries this week while that unexpected car repair bill sits on your kitchen counter. If this sounds familiar, you’re not alone. Research shows that 2 in 5 adults

Let’s be honest about what keeps most people awake at night. Nearly 30% of working Americans have saved absolutely nothing for retirement, and that number has actually gotten worse over the past few years. Of those trying to save, only about one in three feels confident they’re on track for a decent retirement. The traditional

Social media feeds are filled with designer handbags, luxury vacations, and expensive dinners at trendy restaurants. Everyone seems to be living their best life, flashing wealth at every turn. But behind the glamorous photos and enviable lifestyle posts, many people are secretly struggling financially. The truth is that looking wealthy and being rich are two

Nearly 7 in 10 Americans say they have financial regrets from this year alone, and many wish they could take back their biggest spending mistakes. If you’ve ever felt that sinking feeling after making a big purchase, you’re not alone. Research shows that 71% of Americans regret spending, and 55% admit they spend recklessly. The

“Personal finance is only 20% head knowledge. The other 80% — the bulk of the issue — is behavior.” These words from financial guru Dave Ramsey reveal an uncomfortable truth: most of our money problems aren’t about math or income levels. They’re about the small, seemingly harmless habits we repeat daily. You might think your

Most people think wealth means spending money freely and living an extravagant lifestyle. But here’s a surprising truth: nearly two-thirds of Americans waste a considerable amount of money each month—about $139 on average—while the wealthiest self-made millionaires practice completely different money habits. The real secret isn’t about how much you earn, but how you manage

You think you’re good with money. You clip coupons, hunt for sales, and maybe even have a budget app on your phone. But what if I told you that Americans waste over $200 billion every year on purchases they think are smart? The truth is that some of our most “responsible” spending habits are draining