That moment marked the start of my journey into selling unwanted items. I began by listing things on Craigslist but eventually switched to Facebook Marketplace after a friend recommended it. My mom wasn’t the only great salesperson—one of my friends was too. I asked them countless questions and picked up some valuable tips. (I still occasionally consult them for advice on pricing items or writing a listing.)

Now, with over $5,000 in sales under my belt, I consider myself an expert. If you’re thinking about downsizing like my mom or just want to get rid of some extra stuff around the house, here are some tips to help you sell your items and boost your profits.

1. Give yourself time

If you’re planning to downsize in a year or more, starting to sell your items now can help you maximize your profits. Some items take time to sell, and if you’re not in a rush to get rid of them, you won’t feel pressured to lower your price or even give it away for free. One item I sold—a pirate sign—took almost a year to sell. But I received the full price of $40 by waiting and it probably helped that it was near Halloween. 

2. Photos make a difference

Naturally, you’ll want to include pictures of your item for sale. When photographing it, check that there isn’t anything in the background so your item is highlighted. Also, make sure it’s clean and well-presented with good lighting. I usually post two or three photos of the item with different angles (front, back and side). 

3. Pick your price correctly

One of the most challenging parts of selling items is figuring out the right price. Price it too high, and no one will buy it. Price it too low, and you won’t earn as much as you could have. Plus, pricing too low can lead to a flood of interested buyers, which can be overwhelming and time-consuming to manage.

My rule of thumb is to price items at 50% of what I originally paid for them. After I determine that price, I search Marketplace for similar items to see what others are asking. I also look up the item online to check its current value. Occasionally, the value of an item will have increased since I bought it. In those cases, I base my price on 50% of the current value instead.

Some buyers will accept the full asking price, while others may try to negotiate for a lower one. If you’re not open to negotiation, you can state in your listing that the price is firm. However, some buyers may ignore this and still make lower offers. 

When I’ve just listed an item, I usually respond to lower offers by saying, “I appreciate your interest, but I’m not lowering the price at this time.” Even if an item has been listed for over a year—like my pirate sign—I might still stick to my asking price.  

Deciding whether to negotiate depends on factors like whether getting rid of an item is more important than getting your full asking price. 

4. Stick to your guns

Most buyers don’t try to negotiate after agreeing to purchase and pick up an item. However, I’ve been caught off guard before. Once, while answering questions about an item, a buyer unexpectedly asked for a discount. For some reason, I said yes, and I’ve regretted it ever since. I think I wasn’t prepared for the negotiation. So, always be ready for a buyer who might try to haggle—even at the last minute.

It’s important to remember that this is a business transaction, so you shouldn’t feel bad about sticking to your price or accepting a higher offer when you have multiple bids. Also, I always try to stay professional with buyers, even when they annoy me—for example, by offering less after I’ve clearly stated the price is firm or asking about the size when it’s already listed.

Sometimes, buyers might ask for an item for free, claiming they’re donating it to charity or going through hard times. While you can choose to offer it for free if you want, don’t feel obligated—this is still a business deal, and it’s OK to prioritize your own needs.

5. Play it safe 

Although I haven’t personally experienced any safety issues with buyers, I’ve heard some concerning stories from others. To stay safe, I never give out my cellphone number—all communication is done through Facebook Messenger. I also make a habit of checking a  buyer’s Facebook profile before agreeing to meet with them. This helps me confirm they’re real. You can usually tell by looking at details like their number of friends, photos and when their account was created (this is listed on their profile). You can also search current online scams to make sure you are not being targeted. 

Typically I only accept cash but I have also accepted Venmo if we have mutual friends or the buyer appears to be a trustworthy person. Sometimes I use this option if the buyer wants to pay me upfront, and I’ll leave the item in a safe location by my garage.

Beyond earning money and promoting eco-friendliness, I love the idea of giving my unwanted items a second life. As the saying goes, “One man’s trash is another man’s treasure.”

Photo from New Africa/Shutterstock.com

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It all boils down to shifting your money mindset and setting clear financial goals. With that in mind, we can explore how to rewire your money mindset to achieve financial success and ultimately build wealth.

What Is a ‘Wealth Mentality’?

“Wealth mentality” is a mindset that prioritizes focusing on abundance over scarcity, making smart financial decisions and working toward long-term growth. With this mindset, an individual can build and sustain wealth. In simple terms, someone with a wealth mentality spots opportunities just like a hawk spots its prey. Think of it as your financial superpower that grants you the ability to see your piggy bank as half-full rather than half-empty.

The opposite of the wealth mentality is the scarcity mindset. A good example of the scarcity mindset is those “we can’t afford anything” people. These individuals tend to see lack rather than opportunity and are often quick to shut down the idea of spending or investing whatever amount of money they have at their disposal.

A scarcity mindset will lead to rejecting financial education, avoiding risks or, in worst-case scenarios, missing out on golden opportunities that could change your life.

Related: 66 Money Quotes to Help Motivate You & Maximize Wealth In 2025

On the other hand, if you adopt a wealth mentality, you’ll always focus on possibilities and solutions. You’ll look for ways to increase your net income, invest wisely and see financial growth even when resources are scarce.

Here are practical examples of a wealth mentality in the real world. Picture someone who:

• Notices a market downturn and reckons, “Great! Stocks are on sale!”
• Takes calculated investment risks and avoids reckless gambles
• Focuses on long-term financial growth rather than just surviving
• Believes in having plenty and understands that wealth isn’t a zero-sum game

The cool part is that this isn’t some exclusive “trust fund baby” club. Anyone can develop and leverage the wealth mentality—including you with that pending credit card bill. All you have to do is shift your thought process from “I’ll never have enough” to “I’m getting better at wealth management every day.”

According to recent research, there’s a significant association between financial worries and psychological distress. Thus, people with a wealth mentality can be more content and fulfilled because they aren’t experiencing constant stress over their bank balance.

But this isn’t a motivational speech about positive thinking your way to big bucks. It’s about making strategic and smart choices because you know you can build wealth one dollar at a time.

Related: I Stopped Chasing Money—Here’s What Happened | SUCCESS

How to Set SMART Money Goals to Build Long-Term Wealth

Let’s discuss focused financial goals—because randomly trying things, hoping something sticks, isn’t a successful strategy. Consider financial goals as the GPS coordinates for your money. Without them, you’re simply driving around and losing track of money.

Set SMART goals—a reliable way to eliminate vagueness about your financial moves:

• Specific: Instead of “save more money,” say “stash $500 monthly”  
• Measurable: Track numbers the same as you would your Amazon deliveries  
• Achievable: Take baby steps—we’re not trying to achieve Bezos-level wealth overnight  
• Relevant: Set goals that matter to your life 
• Time-bound: Establish a deadline—or it remains just a wish

Here’s an example of what real-world SMART goals look like:

• Save $1,000 for an emergency fund by December by skipping my daily $4 coffee
• Pay off $5,000 in credit card debt in 12 months by contributing an extra $420 monthly  
• Build a $50,000 retirement nest egg in 5 years by investing $700 each month

The magic ingredient? These goals are not mere figures; they represent a pathway to financial independence. They serve as stepping stones over a stream of impulsive buys and indulgences. Every goal you achieve brings you closer to financial freedom.

Keep in mind that goals without deadlines resemble a Netflix series without a conclusion. They continue indefinitely, lacking proper direction. Establish targets, monitor your progress and observe your finances grow.

Wealth-Building Strategies: An Overview

If you want to build wealth—it’s not about getting lucky or inheriting a fortune. It’s about being smart with your money, regardless of the amount. Let’s dive into the money moves that work. We’ll start with budgeting.

Budgeting and Saving

Budgeting might not be the most thrilling task, but you can’t build wealth if your money evaporates faster than a drop of water in the desert. Treat every dollar like it’s the last and know where it’s going.

To track your spending better, consider automating your finances by doing the following:

• Automatically transfer funds to your savings account regularly
• Split your direct deposit between your checking and savings accounts
• Automate your 401(k) contributions

Investing Wisely

Investment-wise, don’t put all your eggs in one basket (unless you enjoy financial heart attacks). Spread your money across:

• Stocks (both U.S. and international)
• Bonds (the boring but steady cousin)
• Real estate (real estate investment trusts, or REITs, if you’re not ready for actual property)

Diversifying Income Sources

Want to speed things up? Get creative with income:

• Start a side hustle (dog walking, freelancing, YouTube, etc.)
• Turn your hobby into cash (those macramé plant hangers won’t sell themselves)
• Ask for that raise you deserve (with performance data to back it up)

Leveraging Debt

And about debt—not all debt is evil. For example, a mortgage on a house that goes up in value is good debt. A credit card balance from an impulse shopping spree is bad debt. Debt shouldn’t be a crutch to limp through bad financial decisions—it can be a tool for future financial success.

Building wealth is a marathon, not a sprint. You’ll be amazed at where you end up if you are consistent.

How to Build Wealth With Positive Money Habits

Money habits are like going to the gym—the more you train your muscles, the stronger they get. 

Track Spending

You must first consider tracking every penny as if it owes you money. Use apps like Monarch Money or YNAB to track your spending. You might be shocked how much takeout or Starbucks dents your wallet.

Avoid Lifestyle Inflation

When you make more money, it’s tempting to upgrade your lifestyle faster than you can say “new iPhone.” But that’s a rookie move. When your paycheck grows, keep living like you’re still on the old one. Your future self will thank you—probably with a beach house.

Delayed gratification is the secret weapon here. It’s deciding to say “not now” to that shiny new car so you can say “yes” to financial freedom later. Think of it more like meal prepping—a little mundane and boring now, but way better for you once you start cooking.

• Put 20% of each raise straight into investments
• Wait 48 hours before any big purchase (to avoid impulse buys)
• Set up “money dates” with yourself to review spending
• Treat savings like a nonnegotiable bill

Reinvest Earnings

The real power move? Take any extra cash—bonuses, tax refunds, that $20 you found in your jeans—and put it to work. Instead of purchasing more stuff that you probably don’t need in the first place, build personal wealth through assets that generate more money. It’s like having little money soldiers working for you 24/7.

Your bank account grows by what you don’t spend, not just your income. Keep your expenses as low as possible, maximize your investments and watch your wealth stack up like pancakes on Sunday morning.

Wealth-Building Strategies in Your 20s And 30s

Your strategy for accumulating wealth will change as you grow older. How you relate to and interact with money will change in different age groups. For example, responsibilities increase as you grow older. For this reason, you must adapt your strategies at each stage of your life if your goal is to build long-term wealth.

How to Build Wealth in Your 20s

Your 20s are foundational years. You may not be making a fortune yet, but you have time on your side, which is a major advantage. The earlier you start, the easier it will be to build wealth in the new year beyond. Here’s how to go about it.

Start Investing Early and Develop High-Income Skills

Small investments in stocks or index funds can snowball into substantial investments over time. The sooner you start, the better the returns in the future. In the same breath, improving your earning potential is just as important, especially at this young age.

Thanks to the internet, you can develop many self-taught high-income skills such as digital marketing, software engineering, freelancing, content creation, etc. The more time and effort you put into most of these skills, the higher the income potential.

Use Debt Wisely and Live Below Your Means

If you have to take up debt, utilize it strategically. For example, avoid borrowing for luxuries and prioritize taking up loans for appreciating assets like property or education. While you’re at it, always strive to live within or below your means. 

Set Clear Goals and Stay Consistent

To build wealth, you need to have a clear vision. Since time will mostly be on your side in your 20s, you can start by defining where you want to be in X number of years, and then formulate a plan to get there. Here’s where the SMART goals we talked about earlier come in. Having them and sticking by them at this early stage in life will shape your future financial security and wealth-building capacity.

How to Build Wealth in Your 30s

In your 30s, you’re likely increasing your earnings and taking on more significant financial decisions. This is the decade to grow your investments, create stability and protect what you’ve accumulated. Let’s break it down.

Increase Investments and Diversify Your Income Streams

If you got everything right in your 20s, you need to ramp up contributions at this stage in life. On the other hand, if you’re just getting started, there’s still time to catch up. Investing consistently will still yield good returns, albeit with a little bit more financial discipline and focus.

Avoid relying on a single paycheck. Look out for additional income streams such as small side hustles, real estate, and passive income ventures that rely on a particular skill of yours. No matter how small the additional income is, it can still accelerate your wealth accumulation journey.

Think Long-Term and Make Strategic Financial Decisions

Wealth entails more than just making money—it also equally involves keeping it. Avoid volatile and risky investments that promise quick gains. Instead, pay more attention to investments that offer less but steady long-term financial growth. Also, avoid impulse purchases and focus on making informed, intentional decisions. Ensure every purchase you make aligns with your long-term financial goals.

Protect Your Wealth and Plan for the Future

You should have financial safety nets in place as your financial obligations grow. Have an emergency fund in place, get the right insurance coverage and start thinking about estate planning. In return, you’ll safeguard your financial future and ensure long-lasting stability.

Maintain a Wealth Mindset and Keep Learning

As mentioned earlier, your financial success has a direct correlation with your mindset. Keep on expanding your financial knowledge, grab and adapt to new opportunities, leverage debt and make informed decisions at all times. The more you understand how money works, the better equipped you’ll be to grow wealth and maintain it.

Overcoming Financial Challenges

Have money troubles? Join the club. The good news is that every financial pothole has a fix regardless of its depth. Getting out of debt is like untangling headphones—it requires patience.

The snowball method is a practical way to organize your finances. This debt-reduction strategy involves paying off debts from smallest to largest, which helps you build momentum with each debt you eliminate. After settling the smallest debt, you can transfer its minimum payment to the next smallest debt.

After dealing with debt, the next thing to do is set aside an emergency fund. Emergency funds might not be exciting, but neither is asking your parents for rent money. Start small—$500 can help you avoid a minor crisis. After that, work toward saving at least three-six months of living expenses. Consider it your “life happens” fund.

Next, work on your credit score. Your credit score isn’t just a random number—it’s your financial report card. Here’s the cheat sheet to ace it:

• Make sure to pay bills punctually (set up reminders!)
• Maintain low credit card balances (below 30% of your limit)
• Refrain from closing old accounts (they age like fine wine—improving with time)

To avoid future financial stress, up the ante on your financial knowledge:

• Learn one new thing about money each week
• Talk to someone knowledgeable about finances
• Break large money issues into manageable steps to avoid bankruptcy blues

If you find yourself unmotivated because you have a questionable account balance after diligently following the above steps, consider these tips:

• Celebrate your financial victories, big or small
• Pair up with a friend for financial accountability
• Reward yourself for reaching financial goals (just stay within limits—no extravagance).

Financial setbacks are speed bumps, not barriers. Keep pushing forward, and eventually, those financial struggles become history.

Your Wealth Journey Starts Now

Building wealth isn’t rocket science; it’s more like cooking. You need the right ingredients (mindset), a solid recipe (goals) and the patience to let it simmer (good habits). The secret? Start where you are with what you’ve got. There is no need for a trust fund or a Wall Street degree.

Every money mogul started somewhere, probably where you are now. The only difference? They took that first step. So whether you’re drowning in debt or dreaming of your first investment, today’s the day to shift your money story. Your future self is already counting the zeros. Start by investing one dollar at a time.

Photo from Kmpzzz/Shutterstock.com

The post How to Build Wealth: From Money Mindset to Financial Dominance appeared first on SUCCESS.

Harvard’s wealth divide: Students from wealthy families have the advantage

For centuries, Harvard University has set the gold standard for academic excellence, attracting the brightest young minds throughout the world. From its hallowed halls have emerged influential figures like Barack Obama, Bill Gates and Ruth Bader Ginsburg, whose contributions have transformed technology, literature, science and politics. 

Harvard’s historically high costs have made it challenging for low-income families to access its education, and even the most promising thinkers in the nation sometimes get left out of the pool. As with many top universities, gaining admission to Harvard has often been easier for those with financial security and access to extracurricular support—resources that remain limited for many in the U.S.

Wealth plays a significant role in elite education. One in six Ivy League students comes from families in the top 1%. According to a New York Times article, “For applicants with the same SAT or ACT score, children from families in the top 1[%] were 34[%] more likely to be admitted than the average applicant, and those from the top 0.1[%] were more than twice as likely to get in.”

Harvard to cover housing and meals for families earning less than $100K

Beginning in the 2025/26 academic year, Harvard is making strides to address this gap, which has long created an unsettling and unjust divide in access to top-ranking teaching. Not only will qualifying students from families with incomes below $200,000 soon get free tuition, but students from families earning less than $100,000 will also have their housing and meals paid for if accepted. Thanks to this policy, around 86% of families in the United States will now qualify for financial aid. 

“Putting Harvard within financial reach for more individuals widens the array of backgrounds, experiences and perspectives that all of our students encounter, fostering their intellectual and personal growth,” Harvard President Alan Garber said this week in the announcement. 

Harvard’s full undergraduate tuition is about $56,550, with around a $12,922 housing rate. Some universities, such as the University of Chicago, exceed these costs, charging up to $67,446 a year. Harvard’s recent decision comes as student loan debt in the U.S. has climbed up to $1.6 trillion—a 42% increase from a decade ago. The Pew Research Center reports that one in four Americans under 40 are currently burdened with student loan debt. 

While Harvard has only recently expanded its financial aid program, universities such as the University of Pennsylvania and the Massachusetts Institute of Technology have already announced free tuition policies for families earning less than $200,000. 

The push to improve accessibility to elite education is growing, with universities across the United States working to ensure that young Americans from all backgrounds have a fair chance to attend prestigious institutions. However, exclusive environments at top schools like Harvard, Yale and international universities such as Oxford and Cambridge have historically created barriers. These practices risk reinforcing socio-economic divides, favoring high earners while limiting opportunities for others to climb the social ladder.

Cultural barriers can limit opportunities at elite institutions

Research has shown that this divide is upheld not only through admissions practices but also within the very culture of these institutions. Studies have identified two distinct experiences among lower-income students: the “privileged poor,” who attended preparatory schools before college, and the “doubly disadvantaged,” who come from underfunded public schools. While the privileged poor arrive better equipped to navigate elite academic environments, the doubly disadvantaged often struggle to integrate. 

Lower-income students often face challenges adjusting to cultural norms on elite campuses, which can limit their participation in extracurricular activities and weaken their sense of belonging. Expanding accessibility and inclusion during the application process could help institutions break away from exclusionary frameworks. This ties into the concept of “cultural capital,” which suggests that individuals from socially advantaged backgrounds are often better prepared to succeed in elite environments.

For centuries, access to the world’s most prestigious universities has often been shaped by wealth and social privilege. Yet, as institutions like Harvard and the University of Pennsylvania adopt more inclusive policies, the coming years may signal a new era in higher education—one where academic opportunity is defined less by social standing and more by talent, merit and potential. Harvard is still among the most challenging schools to enter in the world, with estimates showing that only 3% of hopeful applicants are ever accepted. 

Photo by Marcio Jose Bastos Silva/Shutterstock

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Keeping a pet in good health can be expensive. In addition to the cost of vaccinations and checkups, here are just a few examples of things that can go wrong throughout pet ownership and what you would pay for a veterinarian to treat these issues:

• If your cat or dog eats grapes or raisins, which are toxic to them, it could cost you $2,000-$5,000.
• If your pet is hit by a car and survives, it could cost you $250-$8,000 to get them the care they need, depending on the severity of the accident.
• If your pet is a big chewer and chews through and gets shocked by an electrical cord in your home, it could cost you $500-$3,000.
• If your pet gets a dog bite wound, it could cost you $1,000-$10,000, depending on the severity of the wound.
• If your pet experiences a urinary tract obstruction, it could cost you $1,500-$3,000.

On top of that, the U.S. Consumer Price Index shows veterinary services went up roughly 7% in the 12 months ending in November 2024.

Is pet insurance the solution?

It’s very hard to predict whether your pet is going to remain healthy or not, so more and more owners are opting for pet health insurance. According to the North American Pet Health Insurance Association (NAPHIA), the total number of insured pets has seen double-digit increases in the last four years, with an average annual growth rate of 22.6%.

Regardless of this growth, today only about 3%-4% of pets in the U.S. and Canada are covered by pet insurance. The majority of pet parents either do not want to spend the money, or they remain hopeful that their dog or cat will stay healthy. Additionally, some pet owners simply don’t even think about pet insurance or know it exists.

Shari and Brent Kludt of St. Petersburg, Florida, are the proud owners of two dogs who so far have remained in good health. “We looked into pet insurance, but then heard about one company who started dropping a lot of their customers. This put pet owners in a bind, because now their dog or cat may have preexisting conditions that wouldn’t be covered if they tried to purchase insurance from another company. Instead, we chose a veterinarian who charges very reasonable prices.”

Scott and Kristin Becknell of Columbus, Ohio, came to a different conclusion. “Our financial adviser highly recommended pet insurance for our two rescue dogs, even though she wasn’t receiving any commission. Sure enough, one of the dogs developed a brain tumor and we decided to do a cyber knife laser procedure costing $8,354, of which insurance covered $6,683. ‘Beast’ lived for another six years, so we were so glad we had insurance.”    

Is the expense of pet insurance worth it?

Ricky Walther, DVM, is a small animal general practitioner in the Sacramento, California area. Realizing the positive financial and medical impact that pet insurance can provide for pet parents and the profession, he lends support and advice to companies like Pawlicy Advisor, which provides a free, personalized, breed-specific analysis to help find the pet insurance policy that is right for you.

Walther explains, “In my experience as a general practitioner, finances play a role in the ultimate decision to euthanize a pet about two to three [times] per month…. Many considerations go into a family’s decision to say goodbye to their pet, but finances are perhaps one of the most challenging factors for both the pet family and the veterinary team because of the guilt that these considerations can generate.”

“As with any insurance, there is always the possibility that you will spend more than you save, and the same is true for pet insurance. But the peace of mind of having coverage in the case of unexpected emergencies is often a more than worthwhile investment for pet owners,” Walther says.

Currently, the major players in pet insurance are Trupanion, ASPCA, Nationwide, Fetch, Lemonade and Embrace. You can get one-stop-shopping quotes from a variety of insurance companies from Pet Insurance Review.

The average annual cost for an accident and illness policy is about $676 for dogs and $383 for cats, according to NAPHIA data from 2023. That works out to about $56 per month for dogs and $32 per month for cats.

Remember, the younger your pet is when you enroll, the lower the premium will likely be.

What pet insurance does not cover

Most pet insurance plans won’t cover spay or neuter surgery, vaccinations, annual checkups and teeth cleaning unless you’ve purchased a plan for wellness and preventive care. However, these plans can be a lot more expensive than the accident and illness plans, and your out-of-pocket costs are usually less than the insurance premium.

But preexisting conditions are perhaps the most important exclusion in just about every pet insurance plan. Pet insurance generally covers only new injuries or illnesses, not conditions the cat or dog has before the policy takes effect. That’s another good reason to purchase insurance while your pet is young and healthy. However, in some cases you can find a policy that may cover preexisting issues that can be resolved. 

Alternatives to pet insurance

If you can discipline yourself to put aside money every month in a high-interest savings account, this could be an alternative to paying for pet insurance. Then, if you end up not needing it, you can spend it on other things or save it for your next pet. But Walther warns that this will usually only cover one emergency. “What happens when you have another before you’ve had time to save up a second time… [or] the emergency comes before you’ve saved up enough?”

Your vet may be willing to work with you on a payment plan, and CareCredit is another financing option to pay for out-of-pocket expenses over time.

You can always roll the dice and hope your pet will not have any serious accidents or illnesses throughout their lifetime. But responsible pet parents will ask themselves, “What would I do if I suddenly had a $3,000 vet bill?” A reasonably priced pet insurance policy with as low of a deductible as you can afford might be your best bet to keep your furry companion healthy without draining your bank account.

Photo by fast-stock/Shutterstock

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But if your financial behavior needs to shape up, you might not know who to turn to for advice. Enter the financial coach. Like a personal trainer for your pocketbook, they can give you tips and tricks to improve your relationship with money and achieve your financial ambitions.

Here’s a closer look at why a financial coach might be the best bet for you, and what the process entails.

A financial coach is NOT a financial adviser… So what do they do?

“[Financial advisers are] not going to help you have a healthier relationship with money,” Jenny Whichello says. Whichello, previously a corporate CFO for over 16 years, is a money mindset and financial planning coach.

“They’re very tactical,” she says of financial advisers. “‘Here’s how much you should be saving. Here’s your tax situation. Here’s when you can retire.’ But for anybody to follow through on a plan of any kind… it has to be meaningful to you.”

That’s where Whichello comes in. 

“I help people prime themselves on the inside to be successful with their financial plan or their financial goals,” Whichello says, adding that no financial coach should also give investing advice, unless they have the right credentials.

Content creator JC Rodriguez earned his financial coach designation through Ramsey Solutions. He provides free financial coaching for followers of his social channels, where he gives tips on how to build a life of financial peace.

“Financial coaching is built around people and their behaviors over the math,” he says, adding that it’s about addressing people’s habits and backgrounds, too.

When should you begin working with a financial coach?

“When you have awareness that something isn’t working, that is the time to ask for help,” Whichello says. She tends to work with women in their late 30s to mid-40s who are on the precipice of change. As they enter midlife, they want to build on their professional success to do something completely different.

Rodriguez coaches people who are going through life milestones—graduating college, getting married, having a baby—and experiencing an awakening that they need to be more financially responsible.

“A lot of it is people who don’t feel like they’re at the level they want to be or feel like they’ve been stagnant for a while, and they’re just trying to get to that next level,” he says.

How to find the right financial coach

Unlike financial advisers, being a financial coach doesn’t require a standardized designation. So Rodriguez thinks it’s critical to have an initial meeting to determine a fit. “It comes down to that first meeting,” he says. “‘Does this person actually care about me? Does this feel relational or does this feel like a transaction? Are they listening to me?’”

He also thinks it’s fair to ask where the coach is at in their personal finances. Then you can compare their content and lifestyle on different social media channels to make sure their message is accurate and consistent.

The financial coaching process

Following that first meeting or initial consultation, Rodriguez says that coaching sessions contain a lesson or financial principle to apply to the person’s life. Then the session ends with an invitation to commit to an action, whether that’s automatically transferring money into a high-yield savings account, creating a budget, etc.

Whichello’s process takes five to six months, with biweekly meetings and support offered in between via Voxer and an option to reconnect every quarter. She begins by helping clients unpack the core beliefs that have led to their money issues. “Whatever your financial situation is—you have too much debt, you’re living paycheck to paycheck, you’re [not] making enough money, you’re not saving any money, you spend all your money—there’s a belief and a whole set of behaviors behind that.”

After helping clients gain clarity, she then works with them to re-envision what their relationship with money could be and uncover what vision they have for their life. “What is it going to cost for this to be your life in one year, five years, 10 years, whatever.”

From there, Whichello helps build a road map of actions clients can take, such as restructuring their cash flow, to achieve that vision. She says the reality is that most people don’t have any awareness of where their money goes and aren’t intentional when it comes to spending decisions.

“When you give people clarity on what they really want and you help them surface a vision that makes them teary-eyed, when they think about that being their life, all of a sudden the money they were spending at Target every Saturday is not important anymore. And they make those decisions almost in a subconscious way.”

Photo by REDPIXEL.PL/shutterstock.com

The post Looking to Level Up Financially? Here’s How a Financial Coach Can Help appeared first on SUCCESS.

“My first money lesson was from a bus driver when I was a sophomore in high school,” says Williams. “It just seemed really weird that a bus driver was taking the time to tell me and my friend how much we were going to make and what that meant after taxes and what rent costs and internet and went through the whole slew with us. But what I later realized in my career is that no one is actually teaching us. It’s not a required course in school.”

In some ways, it was that realization that spearheaded Williams’ path toward helping people, especially women, recognize their relationship with money and how that impacts their lives.

Years after the school bus sermon, Williams has come to be known as “The Money Whisperer.” You’ll find her training other women, using courses, apps, budgets, workbooks and other materials on the how money works.

First steps in financial literacy

At age 20, Williams was pregnant, “financially alone” and in school for healthcare administration. It was during this time that she discovered accounting—and that she was really good at it.

“I really, really loved playing with the numbers,” she says. “I could not only tell a story using the numbers from the past, but I could paint a financial picture of the possible future storylines with the numbers and with the equations that I had uncovered.”

After making the move to a tax and accounting firm and rising in the ranks, Williams started to recognize that business owners often didn’t understand the numbers they were being presented or how to read the financial reports given to them. With that knowledge, Williams decided to set off on her own. And, in 2017, she began her firm, Core Solutions Group, with the goal of helping others—particularly women and mothers—succeed at their own money stories.

“My goal was to bridge the language barrier between accountant and business owner and teach them a simple way to understand their numbers and show them how they can use them as a tool towards growth and the lifestyle that they were really trying to achieve through their business vessel,” she says.

Williams soon found, though, that the issues in financial literacy weren’t limited to just number comprehension—they required mindset growth, too.

Purchasing a feeling

For Williams, a significant component of what she works to teach her clients and those who listen to her podcast, Always and Never About Money, is recognizing the psychology behind money. “Money is 90% mental,” Williams says. “To sustain any change in your money, you must create a change in how you think about it and what you allow it to believe about yourself. Untangle money, the tool, and all the feelings and values that you assign to it.”

This is a skill that Williams recognizes takes time, reflection and a lot of grace with yourself.

“All we are ever purchasing is time and experience and feelings,” she says. “So if you were to look at what you spent your money on in the last year and assign a feeling to each transaction, even the basic things like rent—we’re creating a feeling of security when we pay our rent,” she says. She has her clients ask themselves: “What are you really chasing? Money is a simple tool of trade. Everything else around it is psychology and money can be a valuable mirror in our lives.”

Empowering women to succeed

As Williams reflects on her journey, she recognizes the role that a male-dominated field of work had in helping her create a space where women can feel empowered to succeed at their own finances. It’s something that Williams says wasn’t necessarily an option for women even 50 years ago, given that most women weren’t able to get a credit card on their own until the Equal Credit Opportunity Act was signed in 1974.

“When I discovered that closing a lot of these gaps is only a matter of education, I just knew I had to jump in and be a part of the shift,” she says.

She also sees that her own upbringing empowered her. She says she was raised with a lens that being a woman is irrelevant, specifically from her father. But not all women have the same opportunities for education and experience that she had, Williams says.

“[Women] are very, very new to this game. We are still dipping our toenails into the water of the financial algorithm. And anytime you’re focusing on what you don’t have, I find it’s helpful to focus on the votes in the jar that we do have. The proof that we are 100% capable of doing this thing…Women have the power to change, and change can happen very quickly,” she says. “Change is a mindset more than it is an event, so never count yourself out of opportunities.”

For Williams, seeing the financial literacy of women at work reminds her of the importance of narrowing the gap between what men and women know about investing, money and owning their space in the financial world.

Williams recalls a specific client who, to her, stands out on this topic. “She was born in a religious household, and the religion had them believe that women had no place in financial management and financial decisions. And she was raised from a very young age by the male people in her family, and literally told, ‘You don’t need to worry about money…You don’t need to be a part of it. It’s not for you to know and understand,’” she says. “Once she kind of woke up and started to design her own life and realize she wanted to start a business, she now runs a multi-million dollar business with an amazing team, and they only work four-day work weeks, and it’s amazing to watch her really step into her femininity and own her understanding around the numbers and nurture her own leadership capabilities around that role in her business.”

The future is bright

While there is still ample work to be done when it comes to financial literacy, Williams is excited to be part of the solution by helping women develop a healthy relationship with money. For her, recognizing money as a tool and not the ultimate definition of success could help make for a more compassionate world in the future.

“Money is not the creator of ‘happy,’” she says. “It is a facilitator of it.”

Photo courtesy of Chelsea Williams.

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1. Consider changing your entity status

There are a lot of options for how your company files its tax return, and it may impact the amount of tax you pay. One common entity formation is the single-member LLC, says Daniel Kochka, CPA and managing principal at Integrated Accounting Solutions, LLC. “It’s easy to set up, it’s cost-effective, and it separates your business from your personal life.” Filing as a single-member LLC, unlike filing as a sole proprietor, means your personal assets may be protected from business debts and lawsuits. Additionally, by setting up a business EIN (employer identification number), you don’t have to share your Social Security number each time you onboard as a new client.  

But an LLC can alternatively be filed as an S corporation, which gives you the same legal separation with the benefit of not having to pay self-employment tax. “As long as you’re paying yourself reasonable compensation based on market research, the distributions you take from the S Corp help you avoid self-employment tax,” says Kochka. “However, owners must follow payroll tax rules, including reasonable compensation, and salaries must be at fair market value to avoid IRS scrutiny.”

2. Review your accounting system

During the year, when you’re trying to keep your business moving along, it’s easy to get sloppy with your books, but messy books lead to missed tax-saving opportunities. Payments for subscriptions to trade journals or money spent on a new computer, headphones or office supplies ordered online may get lost if not accounted for properly. 

In addition to reviewing your books at least monthly to make sure they’re in good order, applying for a business credit card may make it easier to keep qualifying business expenses separate. “If you have an expense that’s part business and part personal, paying for it through a business account will ensure it’s recorded and doesn’t get missed even if you end up not deducting the full amount in the end,” says Rachel Richards, CPA and head of tax products at Gelt.

3. Set aside what you can for retirement

There are a variety of retirement options for small business owners to invest in, such as a solo 401k, SEP IRA or a SIMPLE IRA. “[These options are] a great way to, one, reduce your tax liability and, two, start to put money away, which is usually forgotten about as a small business owner,” says Kochka.

If you are in a loss this year or in a lower tax bracket (so tax liability is not a big concern) but you still have money you want to set aside for retirement, a Roth IRA or Roth 401(k) may be a better option. The money in a Roth account is not currently tax deductible, but the growth will be tax-free, and so will the amount you take out in retirement. 

4. Keep up with quarterly payments

The safe harbor requirement, or the amount you should be paying each quarter to the IRS, is typically 90% of the current year’s tax liability or 100% of the prior year’s tax liability (110% if the prior-year income was over $150,000), whichever is smaller. “What a lot of people don’t see on the tax return, because it’s buried on the bottom, is there [are] penalties involved for not making proper estimates,” says Kochka. 

The end of the year is a good time to see if you met that requirement each quarter and make plans for the following year. Keep in mind that if a spouse has payroll withholding, those amounts can help meet safe harbor requirements when filing jointly.

5. Look for additional tax deductions or credits

Small businesses may qualify for additional tax deductions or credits. For example, business owners may be eligible for the qualified business income deduction (QBI), which allows them an additional deduction of up to 20% of their qualified business income. 

The Augusta Rule is another way to reduce taxes by increasing your business expenses. “If you’re hosting a legitimate business meeting or a company retreat, you can rent your home to your business instead of paying an outside venue,” says Richards. If your home is rented for less than 14 days a year, not used as your primary place of business, and you comply with several other rules, you can potentially exclude that rental income from your personal return while deducting the rent payment on your business return.

Additionally, some businesses may qualify for a credit for research activities, for example, if your business is working on developing new techniques or improving existing processes, explains Richards. You don’t have to be a scientist to qualify; the key is in creating technological innovation or process improvements.

At the end of the day, there are numerous variables to consider when you file your tax return. Proactive tax planning helps create a system that minimizes surprises and maximizes savings so your business can thrive.

Photo by Dragana Gordic/Shutterstock

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Keep reading for tips and tricks that you can use now—and in the future—to secure your own retirement plans.

Pinpoint your current situation

The first step is to figure out your current income, savings, and debt—or more simply, your overall assets minus your liabilities. Getting a good handle on your current situation will help you know exactly where you stand. Then, you can figure out how much more income you’ll need to generate to meet your savings goal. 

Don’t forget to include anticipated income sources like social security or pension income. These can add quite a bit to your retirement savings.

A simple calculation

According to Andrew Crowell, vice chairman of wealth management at D.A. Davidson & Co., the general rule is that whatever your lifestyle spending is today, plan on spending about three-quarters, or 80%, of that in retirement. “If a family is living on $10,000 a month today [or] $120,000 a year, [in retirement they are] probably going to [spend] a little bit closer to $8,000 a month because certain expenses, [such as] the amount [you’re spending on gas or] commuting to work, [will fall away],” he says. Because of this, creating a good estimate of your monthly expenses and keeping an eye on those costs is important.

Another common estimate that’s thrown around in the retirement planning community is the 4% rule, which suggests that you “can safely withdraw 4% of your retirement savings each year without depleting your principal over a 30-year retirement period,” says Bobby Mascia, CFBS, founder and CEO of Green Ridge Wealth Planning. “For example, if you need $50,000 per year [in retirement], you’d need a retirement portfolio of approximately $1,250,000 ($50,000 / 0.04).” 

However, Mascia adds that the 4% rule can be limiting, so don’t take it too seriously. “Your safe withdrawal rate may vary based on your risk tolerance, investment strategy and current age, respective to how long you expect to live in retirement,” he says.

Think about where you want to be

The next part is the fun part—this is when you get to dream about your retirement plans. Do you want to take several extravagant trips each year, or would you rather purchase an RV and drive across the country? Will you downsize and move or keep your current home? Envision what you want to do later in life so you can start planning for it now, Crowell says.

Hopefully by the time you retire, your home will be paid off and your kids will be financially independent. Still, there may be additional expenses you hadn’t considered, such as the cost of healthcare, travel and daily leisure activities, explains Mascia. 

“Things wear out, [and] there is deferred maintenance on homes and autos and things like that. So those are going to be ongoing expenses,” Crowell adds. “Do you want to help pay for your grandchildren’s education? That’s another outflow.” Make sure you take into account all these potential expenses so you don’t short-change the lifestyle you want to lead.

What you can do now

The sooner you’re able to save for retirement, the better, due to compounding interest and the growth of investments over time. Putting away $400 when you’re 20 years old will be much more beneficial than putting away $800 when you’re 40.

Still, there are many other ways to increase retirement savings, regardless of your age. For example, you can automate your savings, take advantage of catch-up contributions and cut back on unnecessary expenses, such as automated subscriptions you no longer use. Additionally, do your best to get rid of debt now, such as your mortgage, car payments or student loan payments. “Think about what you can pay down now so that in retirement, you don’t have that outflow any longer,” Crowell says.

Later life gigs

Another popular trend is working a side gig in retirement to earn additional income. “I’ve been [helping people plan for retirement] for almost 30 years, and the gig economy is real and people are using it in very creative ways,” Crowell says. “I have several retiree [clients] that have always been crafty people. [They enjoy] knitting, artwork [and] painting.” In retirement, these individuals sell those crafts on Etsy or at craft fairs. Others drive an Uber in retirement. 

“People are realizing they can’t golf seven days a week or their body wears out,” Crowell adds. “They can’t play pickleball seven days a week because [their] knees and hips and joints [will hurt].” 

People are living longer and often enjoy turning their hobbies into cashflow, so don’t assume that retirement is the end of the line for your income.

Revisit your plan annually

Starting in your mid to late 40s, it’s important to review your retirement projections annually. “Retirement planning is an ongoing process that requires regular review and adjustments,” Mascia says.

No one can predict the future, and life changes all the time. For example, did an older relative come to live with you and increase your monthly spend? Or did you inherit money that changed your base amount of savings? Reviewing your retirement plan each year will prevent you from being caught off guard so you know you’ll have what you need.

At the end of the day, think about the big picture. Where are you now, where do you want to be and how can you get there? The sooner you start thinking about these ideas, the better you’ll be when it’s finally time to start the retirement you’ve always dreamed of.

Photo by Yuri A/Shutterstock.com

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“It’s the elephant in the room.…It was a bad loan for a long time,” says Kevin Walton, a reverse mortgage loan originator and Registered Social Security Analyst with C2 Reverse Mortgage. Prior to legislative changes that began under the Reagan administration, banks had many avenues to take the equity in a home, Walton says. “They took everything. And so, people getting reverse mortgages today, remember that.… Once that taste is in your mouth, it’s like a lemon. You can’t take it out.”

However, Home Equity Conversion Mortgages (HECM), a form of reverse mortgages insured by the U.S. government, are available through Federal Housing Administration-approved lenders, which provides both legitimacy and security for these mortgages. These types of loans allow homeowners to draw upon home equity for repairs and maintenance and/or to cover or lower living expenses.

Differences from traditional mortgages

Unlike traditional mortgages, with a reverse mortgage, borrowers don’t have to make monthly payments. For many, that’s the greatest appeal. Instead, the loan, along with interest and fees that accrue monthly, is repaid when the borrower no longer lives in the home. So the longer you have a reverse mortgage, the more you pay at the end (as opposed to a traditional mortgage where you gain equity as you make monthly payments to the lender or bank).

For many, reverse mortgages allow them to remain in their homes as they age and/or to supplement their incomes. Federal HECMs are available to those 62 and older; however, private reverse mortgages are also available to those aged 55 and older.

Are they right for you as part of your retirement strategy? Here’s what to know about today’s reverse mortgages, according to the experts.

Who’s right for a reverse mortgage?

There are several reasons people consider a reverse mortgage. Many who seek out a HECM are on fixed incomes and use it to fill retirement funding gaps. “[They] are part of a generation that didn’t prepare for retirement the way we are preparing today. They thought they could rely on Social Security or their companies didn’t offer 401(k)s or IRAs,” says Michelle White, a national mortgage expert with The CE Shop. “When they purchased a home, that was their investment. And so, a reverse mortgage is, for some, a way of taking that money out as if it was their retirement investment.”

Walton says even clients with plenty of retirement savings use reverse mortgages strategically. “[They] just want to have funds as a buffer…They’ve been coached properly that you don’t want to take funds out in a down market, because you’re really cutting the legs off of your investment when you do that. So, you have a buffer in the form of the reverse [mortgage] you could draw from until the market returns,” he observes.

Some borrowers also use the funds to restructure debt, finance large purchases (such as bucket-list trips), or to make home repairs.

However, Walton says the majority of his clients opt for reverse mortgages to pay for home health care so they can afford to stay in their homes instead of moving into retirement communities. 

Updates to reverse mortgages

In the past, spouses who were not part of the reverse mortgage loan were in a predicament if the borrowing spouse died. (A spouse might not be part of the agreement for a variety of reasons, including that they don’t meet the age requirement or aren’t on the property title.) Because they were not on the loan, they had to immediately refinance, pay off the mortgage, or lose the home.

However, thanks to a 2014 change to the Reverse Mortgage Stabilization Act, surviving, non-borrowing spouses may continue to live on the property after a spouse’s death, or after the spouse has to move into a long-term health care facility as long as a few conditions are met. For example, the non-borrowing spouse must be named on the lending paperwork up front and must have lived in the home when the mortgage was taken out, as well as after their spouse’s death.

Under the current lending program, HECM borrowers must also now participate in counseling sessions to discuss their eligibility, payouts, and what will happen when the mortgage becomes due. White says this education has created big shifts for homeowners and their heirs. “Family members are also being encouraged to take the class with the family member that is getting the reverse mortgage, so that the heirs of the estate will know exactly what’s going on and they’re not getting blindsided,” she says.

Pitfalls of reverse mortgages

Reverse mortgages have several legal requirements that are important to consider upfront. First, heirs can’t take over the mortgages. This is a big turn off for many borrowers who want to leave inheritances through home equity. “[Heirs] typically have six months or less to refinance or pay off the debt,” says Ryan Dossey, co-founder of SoldFast home buying service.

That can be challenging for heirs, particularly if they don’t have good credit. “Overextending beyond what you can do or what your heirs can do is a risk. That’s important [for reverse mortgage holders] to think about, because they might not consider their heirs’ financial picture,” Walton says.  

Dossey also warns against the pitfalls of a home being “underwater” — in other words, borrowing more equity in the reverse mortgage than the home is ultimately worth when the mortgage becomes due.

Another potential drawback is that homeowners must keep on top of home repairs and they aren’t always able to do so. “If you fail to maintain the home (which seniors may lose the ability to do physically), it can trigger a foreclosure,” Dossey says. The homeowner must also keep their homeowner’s insurance and property taxes current.

Reverse mortgage interest rates are typically higher than traditional first mortgages, which may also make potential borrowers hesitate. However, this gap has decreased, according to Walton. “About 10 years ago, the rate differential was about 4%. Now… depending if the loan is structured, [it’s] maybe 1¼ to 1¾ [percent] difference,” he says.

Finally, the dwelling must also be the homeowner’s primary residence. While second homeowners and “snowbirds” (people who spend several months out of the year in warmer climates) may want to think twice about reverse mortgages, Walton says the bank only looks closely if the homeowner has been out of the property for 12 consecutive months. “Six months and one day per calendar year is classified as owner occupied,” he says.

Options beside reverse mortgages

If a homeowner’s financial picture has them considering a reverse mortgage, there may be other viable solutions that better suit their needs. For example, the potential borrower could move in with a relative, ask for financial assistance from family, apply for programs that assist low- or fixed-income individuals with utility bills, sublet rooms in their home or use “house hacking.” “House hacking is when you buy a duplex (or similar property) and live in one unit while leasing the rest. Becoming a landlord is not for the faint of heart, but it’s an option worth exploring,” Dossey says.  

Overall, Walton hopes people no longer consider reverse mortgages as a loan of last resort. “It’s not just for people in dire straits anymore…Give it a second look. It’s had some major improvements to make it a safer, more viable, user-friendly product,” he says.

Photo by Natee Meepian/shutterstock.com

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Which cryptocurrencies are included in the U.S. crypto reserve?

Following a January executive order, the U.S. appears to be moving forward with its cryptocurrency reserve plan, signaling a major push toward incorporating digital assets into its financial framework. Announced by Trump on March 2, the Crypto Strategic Reserve will include Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Solana (SOL) and Cardano (ADA). Among the cryptocurrencies announced as part of the new strategic crypto reserve, Tether (USDT), USD Coin (USDC) and Binance Coin (BNB) were notably absent.

News of the reserve set off a short-lived but intense surge in trading. Bitcoin, the leading cryptocurrency by market value, hit a peak over $94,00 upon the announcement Sunday, and Ethereum surged to over $2,500. One of the smaller tokens, Cardano, managed a gain of more than 60% over the weekend. The total cryptocurrency market rose by approximately 10%, adding over $350 billion in value within hours of the announcement. However, the overall market cap is still under what it was a month ago, even with these recent surges.

The concept had already taken shape earlier this year, with reports of a plan for a “strategic national Bitcoin” stockpile that would include Bitcoin seized by the U.S. government in law enforcement actions. The U.S. government already holds approximately $17 billion in Bitcoin, making it one of the largest Bitcoin holders in the world. Despite this being the first official plan for the government to hold multiple cryptocurrencies, uncertainties remain regarding the scale of holdings and the possible inclusion of other assets.

Crypto leaders push for Bitcoin-only model

Coinbase CEO Brian Armstrong, reportedly the richest American in crypto, with a net worth estimated around $9.6 billion, advocated for a Bitcoin-only reserve as a more straightforward strategy. Bitwise CEO Hunter Horsley echoed this view, stating, “Bitcoin is the undisputed store of value for the digital age.”

Unlike Bitcoin, which has established itself as a relatively stable store of value, altcoins tend to be far more volatile. Legal battles with the U.S. Securities and Exchange Commission (SEC) have plagued many cryptocurrencies, including XRP and Solana. Though many cases have recently been dropped, the commission’s lawsuit against Ripple, in particular, remains active as it pursues an appeal. Holding assets like these in a government-backed reserve could create new legal complications and damage public trust. 

As all nations race for dominance in crypto prosperity and blockchain resilience, the reserve still stands as a crucial asset for the U.S. in the push to become the global crypto capital. Supporters argue it could enhance stability, foster long-term trust and security in digital assets and pave the way for clearer regulation and broader accessibility, ensuring wider participation in the crypto economy. Those less idealistic say it could lead to favoritism and overreach. 

There are clear benefits though. The U.S. government’s crypto holdings could serve as a market mediator, stepping in during volatile times to stabilize prices and protect investor confidence. With the ability to buy and sell digital assets strategically, the government could reduce sharp fluctuations and lower the risk of market crashes. This hands-on approach would not only shield investors, but also create a more predictable and secure market. 

Is the U.S. crypto reserve a step toward stability?

From within the crypto bubble, it is easy to see why some are doubtful—the crypto and digital market was built to operate independently and free from mainstream intervention. Though the reserve could introduce significant oversight and protections, it may still fall short in preventing market manipulation from the top. With so many uncertainties at play, it’s difficult to claim with confidence that the reserve will be a steadfast force in building long-term trust. 

Even without government involvement, the crypto market still faces battles of its own in trust and security. Since cryptocurrency first gained recognition in 2009, the industry has grappled with countless hacks and fraud incidents. In 2024 alone, over $2 billion was stolen, marking the fourth straight year of billion-dollar losses. The U.S. crypto reserve may promise oversight, but with years of billion-dollar losses and cautious public interest, trust remains a currency yet to be earned. While the new reserve seeks to bring order, its true test will be curbing manipulation, preventing fraud and restoring faith in an industry poised for massive growth.

Photo by Aleksandr Khmeliov/Shutterstock

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