America Isn’t a Google Racist Country

Generally speaking, you can’t earn a high income without discipline and self-control. The three leading indicators of discipline and self-control are as follows: Here’s how America’s four main demographic groups stack up against these leading indicators: Race/Ethnicity Percentage of Out-of-Wedlock Births Average SAT Score Homicide Rate Asian 11.7 1229 1.6 White 28.2 1099 3.2 Hispanic …

Discipline Is the Key to Ending Financial Moronity

Anyone familiar with this blog knows that prior to my 40th birthday, I was a financial moron. And that’s not me be self-deprecating. It’s just the cold, hard truth. Heck, I didn’t even know what an emergency fund was until I was 42. The good news for the financially moronic, however, is this: personal finance …

Just Because Someone Has More Doesn’t Mean You Don’t Have Enough

Several years ago I had a problem. I wanted to get into shape, but I didn’t want to spend a dime on a gym membership or drop some serious coin on a home gym. To solve this problem, I fired up Google and did a search on “building muscle without equipment,” or something to that …

Time Is a Level Playing Field

Discipline equals freedom. —Jocko Willink Bill Gates has a lot more money than you do. Okay, duh. No earth-shattering revelation there. But in at least one respect, you and Bill are equals. You both get 24 hours every day to do something with your respective lives. Be More Productive Than Slothful If you want to …