8 Signs You’re Actually Financially Better Off Than Most Americans (Even if You Don’t Feel Like It)
Do you ever feel like you’re struggling financially, even though you’re doing all the right things? It’s easy to compare yourself to others and feel like you’re falling behind, but the reality might be much brighter than you think. Many people focus on what they haven’t achieved yet rather than realizing how far we have come. Do you feel like you’re in a good financial shape? You might be surprised at how you stack up with your peers. By taking a step back and looking at key financial indicators, you might find that you’re more secure than you give yourself credit for.
A large number of people around the world live paycheck to paycheck, but if you can afford to miss one or two months’ pay without too much stress, then you are already pretty well off compared to most middle-class folks.
~Robyn Goldfarb, A Dime Saved
In this article, Robyn Goldfarb highlights signs that indicate you’re financially ahead of the average middle-class American, even if it doesn’t feel that way. From having investments and an emergency savings fund to avoiding credit card debt and contributing to a 401(k), these habits set you apart from those who live paycheck to paycheck. If your net worth is growing, you have a budget in place, and you’re on track for retirement, you’re in a stronger financial position than you might think. Want to see how you stack up? Check out the full article for a deeper dive into these financial markers and what they mean for your future.
Why these Fixed-Fee Advisors Chose Passion Over Profit
Have you ever wondered why some professionals choose purpose over profit, even when it means making financial sacrifices? In the world of financial services—where maximizing profits often comes at the expense of clients’ best interests—a small group of advisors are breaking the mold. Fixed-fee Registered Investment Advisors (RIAs) reject the traditional commission-based model, prioritizing transparency and ethical financial planning. But why would someone give up a more lucrative path for a harder, less profitable one? That’s the question at the heart of this article, which explores the motivations of three advisors who chose integrity over income.
It is not that surprising that most people will do what is in their self-interest, even if that requires harming other people. And the Financial Services industry is no different from other industries such as Healthcare / Medicine, Education, Law, Technology, News / Media, Activism / Social Services Organizations etc.
~Murari Pattabiraman, FreeFinCal
In this article Dr. Pattabiraman takes us inside the minds of three Fixed-Fee RIAs—Basavaraj Tonagatti, Swapnil Kendhe, and Salma Sony—who share their deeply personal reasons for embracing this unconventional career path. Their insights reveal a commitment to values over wealth, with a strong belief that true success isn’t measured in material gains but in the trust and impact they create. While some see financial trade-offs, these advisors view their choice as an investment in long-term fulfillment and ethical responsibility. Whether driven by philosophical ideals, the pursuit of job satisfaction, or the desire to help clients make smarter financial decisions, their stories offer an inspiring look at what it means to do business the right way. If you’re looking for a financial advisor, this article can help you understand different fee structures and what kind of financial advisor might be best for you.
The Lazy Way To Invest in Real Estate – Unlocking Passive Income
Real estate investing might seem like a game for the wealthy or the ultra-motivated, but what if there was a way to build wealth without the traditional headaches of property ownership? The idea of a “lazy” investment may sound too good to be true, but it’s really about working smarter, not harder. Instead of dealing with large upfront costs, landlord duties, or constant renovations, savvy investors can tap into creative strategies that generate passive income—sometimes without even buying property. Does this thought intrigue you? If so, you might enjoy this article from Radical FIRE which reviews a book on lazy real estate investing.
Kiyosaki has long promoted letting your money work for you instead of forcing you to work for it. That is consistent with the book’s overall message. He implies that you can start making money in real estate by assuming the banker’s position.
~Marjolein Dilven, Radical FIRE
In this article, Marjolein Dilven breaks down these unconventional real estate investment methods inspired by Robert Kiyosaki’s principles. From house hacking and live-in flipping to crowdfunding and Real Estate Investment Trusts (REITs), the book offers ways to profit from real estate without the burdens of direct ownership. While no investment is truly effortless, these strategies allow you to build wealth with minimal active involvement. Whether you’re looking to rent out a spare room, finance a property through the seller, or invest in real estate funds, there’s an option to fit different risk levels and budgets. Want to explore the possibilities? Dive into the full article for a complete guide to passive real estate investing.