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Personal Finance

The Hidden Costs of Car Ownership

In certain places, especially the United States, owning a personal vehicle feels as necessary as having internet access. But why do we need such an expensive item just to feel free? Communities and office spaces have been structured around the assumption that everyone should have one. The stigma around car-less people suggests they’re lazy, poor, …

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Personal Finance

Early Retirement Calculator for FIRE Movement

Read our disclaimer here. How to Use this Calculator Enter your salary Enter your current investment savings balance Use the slider to change your desired retirement date (or savings rate) See results and set your budget accordingly Assumptions You can retire when your investments are 25x your annual cost of living 10% annual return on investments …

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Personal Finance

How to Buy US Stocks from the Philippines Without Fees

You don’t have to be American to benefit from the strongest economy in the world. Filipinos can build wealth by investing in American stocks, but what’s the best way to do it? Most Filipinos turn to traditional banks such as Banco De Oro or BPI, who charge unnecessary management fees and set large initial deposit …

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Personal Finance

How to Retire Early with Average Income

How Anyone Can Get Rich Quickly Here’s a fun fact: Teachers can be millionaires – and not by winning the lottery. People around the world are discovering that salary doesn’t determine your wealth. A mediocre salary won’t hinder you from achieving your early retirement dreams. Wealth is actually less about your income, and more about …