Budget To Millions

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Who can enlighten us on how we are supposed to juggle jobs from 9 am to 5 pm, work out 3-4 times a week, cover 10,000 st...
10/05/2026

Who can enlighten us on how we are supposed to juggle jobs from 9 am to 5 pm, work out 3-4 times a week, cover 10,000 steps, cook nutritious food, keep the house clean, enjoy family life,

and still make time for friendships, 8-10 hours of sleep, self-improvement and learning new things, hobbies, health maintenance, and not feel entirely burnt out?

The list of what we ‘ought to’ is growing at an ever-increasing pace, and the hours in the day remain the same. Someone is bound to be sacrificed, and that’s normally the ones juggling everything.

A neighbor who makes $65k opted out of work after her second child. Her daycare cost for the baby and toddler came out t...
10/05/2026

A neighbor who makes $65k opted out of work after her second child. Her daycare cost for the baby and toddler came out to about $2,650 a month.

After tax deductions, this was almost all she had left. The only way for her to work full-time and make any money is if she takes home a couple of hundred dollars every week after paying for daycare.

These are the kinds of situations we’ve allowed to happen where two people working means one person’s income goes to pay for childcare.

Spending $50,000 in order to have a 10-hour wedding is not romantic. It's only expensive drama.The pictures are beautifu...
10/05/2026

Spending $50,000 in order to have a 10-hour wedding is not romantic. It's only expensive drama.

The pictures are beautiful. The memories are real. The payments made each month for the next several years will be equally real.

A lot of marriages are doomed to failure even before they begin since on that day everything was expected to look a particular way.

It does not help the marriage become any stronger by starting off with such a heavy burden on their shoulders.

With the "FREE" month being offered, the companies should not have the right to ask for your card details straight away....
10/05/2026

With the "FREE" month being offered, the companies should not have the right to ask for your card details straight away.

The "free trial" plan is designed to make you pay once you forget to cancel it. The card itself becomes their product.

The offer is not about offering you a free month; rather, they are relying on your friction and forgetfulness and assuming that you will continue paying.

A real free trial would not need your payment details until you choose to stay with them.

Sometimes when nothing happens can be the greatest gift of all.There is no crisis, no surprise bill, no horrible telepho...
10/04/2026

Sometimes when nothing happens can be the greatest gift of all.

There is no crisis, no surprise bill, no horrible telephone call, the car starts, everyone is fine.

Everyone gets home safely. Do not take a mundane day for granted. That is the day we should be most thankful for since the cost is high otherwise.

Once your house is paid off, property taxes should not make you leave it behind.A person who is eighty-five years old on...
10/04/2026

Once your house is paid off, property taxes should not make you leave it behind.

A person who is eighty-five years old on a fixed budget should not be made homeless because of a hike in the property tax bill by $12,000. This is not ownership.

Ownership means that you would stop paying for something that is already yours. For most senior citizens, this is not always the case.

Dad purchases property for $100,000. The current value is $5 million.If he sells, it will be subject to a large tax. But...
10/04/2026

Dad purchases property for $100,000. The current value is $5 million.

If he sells, it will be subject to a large tax. But he can get a loan against the property; loans are not taxable, only income.

He takes out loans for many years to live off of. Then when he dies, the kids receive the property at the increased value of $5 million and they sell without owing any taxes to the government.

That $4.9 million appreciation is lost to the tax system. This is one of the primary means that wealthy families have of avoiding taxes and passing along wealth.

The system favors ownership and borrowing much more than income.

Large company: “We made $10 billion, but after all costs we only made $100 million in profit.”IRS: “Taxes on the profit....
10/04/2026

Large company: “We made $10 billion, but after all costs we only made $100 million in profit.”

IRS: “Taxes on the profit. Fair enough.”

Average Joe: “I made $75,000 but $65,000 was just keeping me above water.”

IRS: “Taxes on the whole $75,000.”

Businesses are allowed to subtract their operating costs from their profit. Individuals must pay taxes on the gross and then sort everything else out.

This is an extremely uneven system.

McDonald's is worth hundreds of billions...and then asks me at the point of sale if I would like to give a buck to chari...
10/03/2026

McDonald's is worth hundreds of billions...
and then asks me at the point of sale if I would like to give a buck to charity.

Bro, you give the buck. I'm paying 18 bucks for my meal.

The image of a billion-dollar company asking for just one buck from its customers is always going to look bad.

It is easy to argue that past generations have lived through 13 percent interest rates on mortgages, but the logic fails...
10/03/2026

It is easy to argue that past generations have lived through 13 percent interest rates on mortgages, but the logic fails to stand up when considering the actual prices of the homes.

A high-interest rate on a $75,000 home would yield quite a different payment from a lower-interest rate on a $450,000 home.

Over the years, house prices have outgrown salary and interest rate changes, hence making the cost of purchasing a home relatively high despite low interest rates.

Modern homebuyers are not weak or less self-disciplined; the numbers just demand higher absolute payments.

Is the argument of higher interest rates sustainable once one considers the higher prices of the homes?

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