Daily Archives: Jul 30, 2025

Sal Kaya

Why Most Budgets Don’t Work—And What Actually Does

I used to think I had a discipline problem.Then I realized—I had a system problem. Like so many people, I started with good intentions. I'd sit down with a spreadsheet, categorize every expense, set strict weekly limits, color-code it all like it was going to save my life. It felt...
Sal Kaya

Why Your House Isn’t a Terrible Investment: Rethinking JL Collins’ Advice

✫️ TL;DR JL Collins calls your primary residence a lifestyle expense, not an investment. But in many real-world scenarios—especially in high-growth areas like Silicon Valley—owning a home can be a smart financial decision. This article breaks down the seven reasons why. 📌 The Problem You’ve heard it before: “Your house is not an...