Grow a Tax-Free Retirement with a Roth IRA

T3 #007 – Over 72% in the US miss out on this tax-free investment

Thank you to my mom for getting me started with this tip back in 2012 since every year it’s a use or lose it investment option. 🙏 Taxes. The one thing that we see taken out of our paychecks… …and added to every bill when we buy something. 🤦 Wouldn’t it be nice if to…

T3 #006: Celebrate AFTER you cross the finish line

T3 #006: Celebrate AFTER you cross the finish line

Remember those viral videos where someone celebrates the WIN too soon? If you don’t, here’s a video with 5.5+ million views: Embarrassing? I mean, c’mon. He didn’t know any better because if he did… …he would have come in first place. This is the #1 thing that I try to avoid when making my financial…

T3 #005 – Equity Compensation 101: What are RSUs, ISOs, and NSOs?

T3 #005 – Equity Compensation 101: What are RSUs, ISOs, and NSOs?

Thank you Trailblazer Justine for inspiring this week’s post! If there is another topic you would like me to cover, please feel free to leave a comment or reply to this email with your thoughts! Let’s hit pause and rewind a few years. I had just received a job offer and read this: Base Salary…

How to correctly use a credit card - Nicholas Ayala

T3 #004: Over 65% of Americans are using their credit cards wrong

With the average credit card interest rate being 20.68%… …the last thing you want is to carry a balance on your credit card. However, that is exactly what 65% of credit card holders are doing. But – how did we get here? It all started when we got our first credit card. Growing up in…

The Thursday Trailblazer: Does carrying a balance increase your credit score?

T3 #003: Does carrying a balance increase your credit score?

I contacted 10+ friends in the past week to learn more about their financial journeys. The top eyebrow raising thing that was said… …I carry a balance because it improves my credit score. “Huh?” 🤨 I had never heard about that before so I had to dive getting to the facts of it all. Short…