I’m Naomi — I live in a small NYC apartment, drink more tea than I should, and I have a slightly unhealthy obsession with not wasting money.
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Increase Savings Whenever Income Increases Getting a raise feels great. And it should. After all, you've worked for it. But raises often come with a hidden side effect. As income grows, spending tends to grow right alongside it. A nicer apartment. A newer car. More subscriptions, more dining
newsletter-series
Save Before You Spend Most people save whatever money happens to be left at the end of the month. The problem? For many of us, there isn't much left. Life has a way of expanding to fill the space available. Bills arrive, small purchases add up, and unexpected
Money Psychology
Sometimes the most tempting purchases aren't things we need. They're things that promise to turn us into the person we wish we were. The problem is that buying a solution and solving a problem are often two very different things.
Money Psychology
Building wealth has never been more accessible. Yet somehow, it has also become emotionally harder. Not because the principles changed—but because the internet constantly makes ordinary financial progress feel inadequate.
Money Psychology
Most people think financial success comes from avoiding mistakes. But what if the biggest threat to your future wealth isn't taking risks—it's avoiding them? Discover the hidden cost of comfort and why waiting for certainty can be far more expensive than making the wrong move.
Money Psychology
For years, I thought wealth was about being able to buy more things. Eventually, I realized the most valuable thing money ever gave me wasn't luxury—it was breathing room.
Money Psychology
I've bought things that felt exciting for a week and experiences that still make me smile years later. It turns out there's actual psychology behind why some purchases create lasting happiness while others fade surprisingly quickly.
Money Psychology
Most people imagine wealth is built through brilliant insights, perfect timing, or extraordinary opportunities. In reality, a surprising amount of wealth comes from decisions so boring that nobody wants to talk about them.
Many financial struggles aren’t caused by a lack of income. They’re caused by an invisible audience. The moment you stop spending money to earn approval, wealth-building becomes dramatically simpler.
Most people assume wealth is primarily determined by how much money they earn. But in reality, the environment surrounding your financial decisions often matters just as much—sometimes even more.
Smart Saving
Most people don’t fail to build wealth because they choose the wrong strategy. They fail because the best wealth-building strategies often feel too slow, too boring, and too invisible in the beginning.
Money Psychology
Modern culture makes it incredibly easy to look wealthy. Building actual wealth, however, often requires doing the exact opposite of what looks impressive from the outside.