Most Americans limit their ability to build wealth as they pursue expensive degrees, “respectable” careers, and spend like they’re in Congress to impress people that they don’t even like.

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It was 2016, and I was sitting at my desk at my corporate job in Silicon Valley when a news notification popped up on my MacBook that I couldn’t resist opening; it was about Liang Zhao Zhang, a janitor for BART (Bay Area Rapid Transit), who made over $270,000 the previous year. That wasn’t a typo, and you read that correctly; a janitor in San Francisco makes over $270,000 a year.

Liang sometimes works 17 hour days and takes almost every single overtime slot available at his job; in fact, over $162,000 comes from working overtime.

If you haven’t been…


No, I did not start a dropshipping store, join a network marketing company, or receive an inheritance or other financial assistance. I did this on my own, and so can you!

Photo Credit: Micheile Henderson on Unsplash

Saving is Imperative and Very Easy with the Right Mindset

I can’t stress this enough! We all logically know that if we make $60,000 a year and spend $65,000, we will be in trouble-yet, so many Americans do this. So much of this (in my humble opinion) has to do with mindset.

We save and invest very little because we are afraid of missing out. We worry about how others perceive us. We feel that personal finance is a foreign language, and developing a financial plan is too complex. …


Excel in your career and make more money without leaving your front door.

Photo: Ketut Subiyanto/Pexels

Anytime I read articles about “heading back to the office”, I always check the comments section to see how others feel about going back to work — usually, it’s a mixed bag. Some employees are excited to go back to work, others want a hybrid approach, and some want to stay completely remote.

While some companies are making plans to get employees back into the office as the vaccine becomes widely available, others offer more flexibility by offering employees the option to come into the office part-time or stay remote.

If you’re planning on working a hybrid schedule or staying…


How I’m managing my money during a time of high inflation.

In case you missed May’s inflation report, the results were less-than-stellar. Inflation for May was reported to be at 5%, which is an increase from April’s 4.16% inflation rate.

Like anyone else, I hate losing money.

I’m also in the housing market (which is ridiculously competitive right now in Austin and can take a while to find a home at a reasonable price point), and one of my greatest concerns is protecting capital for both my down payment and emergency fund.

While economists predict the high inflation rate will be temporary and is pandemic-induced, who knows how long it will…


If you’ve lost your job or are looking to pivot in your career, this is for you.

Photo Credit: Canva

This is a question I asked myself frequently during the pandemic — and even before this, back in 2013 when I went through my company’s first layoff.

While I wasn’t impacted by the layoff, it did throw me through a loop.

I was 22 years old, working at a top tech company, and living in Silicon Valley with a $1400 rent payment for an apartment that I shared with a roommate.

My manager announced his weekly staff meeting that a layoff was coming in the next couple of months. “How many employees will be impacted?” my teammate asked.

No one…


There’s a new ETF on the scene that was launched by LGBTQ Loyalty Holdings — but is it worth investing in?

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Over the weekend I was scrolling through CNBC when I came across an article about a new ETF that was recently launched called “LGBTQ + ESG100”.

Intrigued, I clicked the article to see what the new ETF was about.

LGBTQ Loyalty Holdings and ProcureAM launched the ETF, aiming to invest in the top 100 companies that most align with the group’s value system.

Because I want the micro-details of EVERYTHING, I went to the SEC’s site and found the following criteria for identifying companies that would qualify to be part of the ETF; those companies must:

  • Nurture and promote equality…


Habits that I’ve learned from millionaires and added into my own routine.

Photo Credit: Andrea Piacquadio, Unsplash

I have a bit of an obsession with studying entrepreneurs and other investors; anytime there’s a documentary about their day-to-day lives, or when they open up about their morning routines on a podcast, I’m all ears.

Who wouldn’t want to know what extremely successful people are doing that’s helping them succeed?

If you haven’t heard of Thomas Corley (author of “Change Your Habits, Change Your Life”), he spent 5 years studying self-made millionaires to learn about the habits and decisions that have led them to achieve their high net worth.

In Thomas’s 5 years of studying rich people (177 millionaires…


A look into the spending and investing happens of men vs. women and what we can learn from each other.

Photo Credit, Sharon McCutcheon Unsplash

I can already imagine what the comments will be like on this post; I’m not trying to cause controversy, but I always geek out on the psychology behind spending and the differences in financial habits across cultures, sexes, etc., and I’m sure other readers are curious too!

I was reading coverage on the topic from a bunch of studies from the Bureau of Labor Statistics, Motley Fool, Fidelity, etc.; the studies track men’s vs. women’s financial habits across spending, debt, saving, financial goals, and investing. …


The worst decisions I’ve made with money and what I would have done differently.

Photo Credit: Pexels, Andrea Piacquadio

I’ve spent countless hours writing articles here on Medium about the best financial decisions I’ve made, what I’m investing in, and how I built a net worth of $500,000 before my 30th birthday.

I haven’t, however, spent much time talking about areas where I’ve made mistakes with money, and I think it’s an equally important topic.

Luckily I didn’t spend my 20’s doing anything too crazy, like buying a house I couldn’t afford or taking on a huge student loan that I couldn’t pay off.

I do, however, have my financial regrets (like many others). …


How I went from “The Number One Party School in America” to a well-respected technology company in Silicon Valley and earning six figures by age 25.

Photo Credit: KEHN HERMANO, Pexels

It was fall 2012, and I was sitting in my career counselor’s office at Arizona State University, sweating bullets.

I had just entered my senior year at Arizona State University, and I was petrified that I wasn’t going to receive a job offer before graduation.

Now, I should preface this with the fact that I was extremely pragmatic when it came to choosing a major. I see no use in spending the time and money on a college education for a degree that doesn’t yield a job.

I double-majored in supply chain & marketing (marketing was my “fun” degree). ASU’s…

Lauren Como

Self-taught investor currently employed in the technology sector in Austin, Texas.

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