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A publication from Medium on personal development.


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Making good decisions requires having time and space to think

Illustration: Darius Foroux

Jesse Livermore is considered the best stock trader in history. He was the inspiration for one of the most famous books on trading, Reminiscences of a Stock Operator, published in 1923. He was a true pioneer of stock trading and brought his profession to a new level in the early 21st century by dedicating his whole life to trading.

His habits were unique for his time. He had laser focus from 9:30 a.m., when the market opened, until 4 p.m., when the final bell rang. …

Should you pay off your loans faster or start putting money in the market?

Illustration: Bull’s Eye/Getty Images

Whether to invest while you’re paying off student loans is a fiercely debated topic in the personal finance world. It’s about half a step below the “should you be allowed to splurge on nonessentials when you have debt” debate. (I vote yes, with moderation.)

Truthfully, the answer is simple: Yes, you should be investing when you have student loans.

Now, buckle up for some actual number crunching. It’s the only way to make a compelling case for why it’s in your best interest to start investing before paying off student loans.

Credit card debt vs. student loan debt

There’s a significant difference between investing when you’re carrying…

Experts predict an economic downturn within the next few years. Here’s how to make sure you’re ready.

Photo: Shana Novak/Getty

A recession is coming. I don’t have a crystal ball to predict the exact date, but still, I can tell you with absolute certainty that one will occur, because that’s just how the economic cycle works: After periods of growth, there are recessions. And with the stock market’s current and historic bull run of nearly 10 years, many people are predicting that we should all be bracing ourselves (and our bank accounts) for a downturn within the next few years.

Let’s start with the bad news: There’s only so much bracing you can do.“You really can’t make finances recession-proof, particularly…

Joint Accounts

How to talk about sharing the burden for individual savings goals

Illustration: Laurie Rollitt

Dear Joint Accounts,

My boyfriend works part-time and doesn’t make much money, by choice — he’s a computer scientist and electrical engineer by training, so he could be making much more if he wanted to. I work full-time and currently make about twice as much as he does. We plan on moving in together in the next few years, once all our kids are out of the house, and I think he should take on more work to make our salaries more equitable.

The conundrum: His retirement account is fully funded due to the many years he spent at stressful…


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