wants vs. needs

When a Want Becomes a Need

In ONO I talk about the fact that I have always struggled with budgets as a tool to limit consumption. Although I know that it makes having a surplus possible, budgets have never worked for me. So I came up with my “Wants vs. Needs” system and I have found it to be very effective because of its utter simplicity.  continue reading...

Delay Gratification, Build Wealth

Here is new excerpt from ONO that tells the story of two men with very different financial strategies. continue reading...

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