Where personal finance meets personal development
After just a couple months of dating Shal, I texted my friends an update: “Guys, I think she’s the one.” One friend responded: “Isn’t it too early to know? How can you be so sure now?” At first, I thought he was right. Delayed gratification is seen as a virtue. It’s an idea I promote [ ] The post Fuck it, just celebrate early appeared first on Oz Chen | Financial Educator, Financial Freedom .
Relief that the answer might be "no" The post Should you make more friends? appeared first on Oz Chen | Financial Educator, Financial Freedom .
Being right is about ego. Being rich is about process. The post Do you want to be rich, or do you want to be right? appeared first on Oz Chen | Financial Educator, Financial Freedom .
Bet I can change your investing "risk tolerance" in 10 minutes. The post Risk tolerance is mostly bullshit appeared first on Oz Chen | Financial Educator, Financial Freedom .
Wealth is what you don't see The post Feeling financially behind appeared first on Oz Chen | Financial Educator, Financial Freedom .
Ever notice how financial news always feels just a little bit panicky? That’s not a coincidence. That’s by design. There s evidence that negativity drives online news consumption. Specifically, each additional negative word in a headline can increase click-through rates by 2.3%. Financial media leans into this. The Brookings Institute found that U.S. economic news coverage [ ] The post Ignore 90%…
There’s a certain kind of person who, after making $10 million, wants to make $100 million. And if they hit $100 million, they chase a billion. Reid Hoffman made $40+ million from PayPal before founding LinkedIn. He didn’t have to build anything ever again. But he did. Why? Because some people are wired to play [ ] The post A game anyone can win appeared first on Oz Chen | Financial Educator,…
It’s April 7, 2025. My portfolio’s tumbling like a toddler on a sugar high. S P 500’s down 8-10% from its 6,000 peak. Nearly $5 trillion of stock market wealth vanished since February. Trump’s tariffs have the Nasdaq plunging 20%. In times like this, I look for history as an anchor. Let’s contextualize the current moment [ ] The post A tale of two tumbles: 2022 vs 2025 stock market appeared first…
The market's down. Should you sell? Here's your antidote to fear. The post What to do when the stock market declines appeared first on Oz Chen | Financial Educator, Financial Freedom .
When you have to pick between owning a house and the dream of financial independence, I d like to call the following thought experiment House FIRE. (Terrible pun, I know) $1 million home vs. $1.5 million portfolio Many people (ok, me) want a single-family home in a decent Los Angeles neighborhood—something with at least three bedrooms, [ ] The post House FIRE : giving up financial freedom to buy a…