Maybe I’m starting to be bearish on Bitcoin. — Please don’t hurt me. I still love the idea of Bitcoin, and I want it to succeed with all of my heart. But as much as I love and want to believe in it, it doesn’t make as much sense to blindly HODL. Let me explain my reasons for reducing…

No businesses or side-hustles. Just a regular job and a financial plan. — While it’s very encouraging to read articles about start-ups and how we can achieve it on Medium, not everyone has the time or energy to make it happen. Maybe for most of us, making that much money is nice to have, but not all that important. …

How a few words summarize lessons of an entire experience — Even in the darkest of nights, the sun will rise again. The torrential rain beating down was relentless and deafening. My uniform stuck to my skin, soaking up every bit of heat my body brought to my skin. My eyes were closed, and I was cross-legged on the mushy ground…

Inflation, recession, doom & gloom; you can’t just keep saving anymore. — You can save only so much money monthly, especially on a salary. While having a reliable source of income helps anyone seeking financial independence, it alone will not be the reason for achieving it. …

If you are a fan of self-improvement books like I am, you might recognize my title's reference to an actual book, "how to be 10% happier". Just like the author's intention, I am not promising that it will level up your relationships after reading. …

I’ve validated some commonly seen advice so that you don’t have to make the same mistakes. — This article is advice I’d give to myself when I just started investing two years ago. The funny thing is I’ve seen the advice I’m about to list here when I started out and didn’t believe it at that time. I believe that learning how to invest is a personal…

Until you can’t handle them anymore — I grew up learning that feelings are useless. There were reasons: Asian families don’t typically talk about feelings. All that mattered was getting things done: Get the chores done Get homework done Take care of the younger siblings What do you want to be when you grow up? How well are you doing at school? Obviously, this is an oversimplification of…

Can’t lose what you don’t have, right? — I have no wealth. I merely having reserves that I don’t really need in the near future. So what do I do with it? I played around with it to try to find the next big thing. My failures have taught me that patience, solid research, and having the discipline…

The advantages are obvious, but what would the consequences be? — Gaining true decentralization and having the metaverse is wonderful for so many reasons. Creating a world where nothing can stop us from continuing to live our lives is perfect, especially after seeing how much disruption to human activities the pandemic has caused. But I started thinking about the flip side……