Feeling Rich Has Much Less to Do with Objective Wealth than You’d Imagine

If all you pursue is money, you’ll never feel rich; do this instead (or at least in addition)…

Massive mansion from the so-called “Guilded Age” with a perfectly manicured lawn in front and a cloudless blue sky above.
Mansion from the so-called “Guilded Age.” Image credit: by author

We were on our way to our first week-long vacation in a long time.

With the Covid Delta Variant around, we chose a destination within driving distance, albeit a long drive.

To pass the time, my wife put on for us an episode of Shankar Vedantam’s “Hidden Brain,” titled “Why…

Doing Work You Love Is Great, but No Substitute for a Good Financial Plan

With real-life examples of how life doesn’t always play out as we intend…

Elderly man standing in a workshop in dirty work clothes.
Photo by alevision.co on Unsplash

Kids’ cartoons (at least ones from the 60s and 70s) are full of offbeat wisdom.

Of course, most of it goes right over the heads of their intended audience, kids. However, it seems to also go over the heads of many of us adults, who should arguably know better.


It’s a Critical Question, and One You Have to Get Right or Else!

Just three numbers determine if you can retire right now…

Sillouhette of a woman writing calculus formulas on a white board.
Photo by ThisisEngineering RAEng on Unsplash

Have you ever faced a crucial financial decision, and felt anxious because you really didn’t want to take the wrong path?

For example, you may be sick and tired of your 9–5 job, hate your boss, or just feel totally done with the rat race; but pulling the trigger and…

If You’re Self-Employed, Wouldn’t a Job Be Better?

The answer depends on how much you make. Here’s how it works out…

Man writing on papers spread across his desk.
Photo by Scott Graham on Unsplash

After working there for almost 2 years, the company CTO pulled me aside and told me they had to let me go.

They simply couldn’t find enough paying contract work for my skill set.

I wasn’t shocked — they’d let a valued colleague go a couple of months earlier; and…

Big Tech Employers Cut Pay for Remote Employees

And what you should do if such cuts affect you…

Young man working on a laptop while sitting on a roof, with a cityscape in the background.
Photo by Avi Richards on Unsplash

If you’re an employee of some of the largest tech companies, you may have recently faced a tough choice.

According to a Reuters report, Google recently informed employees that if they choose to work remotely, their pay could be cut significantly — some employees report cuts as high as 25%!

In the Good Debt vs. Bad Debt Debate — Both Sides Have It Wrong

If people abuse a tool, does the poor outcome make the tool intrinsically bad?

Man sitting on a sidewalk in the dark, with hand covering eyes.
Photo by Jonathan Rados on Unsplash


All of us know people who got in over their heads, to the point that they don’t see a way out. They just keep paying far too much of their income just to “service” that debt, i.e., …

Sometimes, People Want to Seem Creative, but End Up Making No Sense

Definitions are important — here are mine contrasted with those of others — you be the judge…

Open dictionary page with some words in focus.
Photo by Joshua Hoehne on Unsplash

First, a disclosure — I’m not an investment or real estate pro.

I’ve just been investing for close to 3 decades, with my portfolio outperforming the S&P 500 for much of that time.

And oh yes, I’ve also owned 3 homes and an office condo (most of which I still…

How Given the Right Circumstances, Liabilities Turn Into Assets

How I made a nifty 4 figures from 3 mortgages in 1 year with zero effort

Model of a home sitting on top of blueprints, with a piggy bank in the background.
Photo by Tierra Mallorca on Unsplash

I’m sure you’ve seen them.

Over and over and over again, so-called personal finance gurus railing against debt. But as I pointed out before, they’re dead wrong (in most cases). …

Having a Good Relationship with Money Is a Crucial First Step to Building Wealth

If you sometimes struggle to make good money choices, this one’s for you…

Dense and colorful array of banknotes hanging from a ceiling.
Photo by Jonny McKenna on Unsplash

This morning I was going through a morning ritual — reading interesting Medium stories.

One was from Ed Luo, “I achieved FIRE at 31–5 factors to consider or you might get burned.” An interesting read in general, it included this one line that really resonated:

Our world is materialistic and…

Opher Ganel

Consultant | physicist | sys eng | writer |financial strategist (opherganel.com) | avid reader | amateur photographer and artist ➜ medium.com/financial-strategy

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