With all respect to Hal, I have a slightly different perspective of The Morning Miracle. Yet, it’s interesting that I’ve followed many of Hal’s ideas for years, somehow instinctively.

I can’t seem to get enough knowledge about personal finance. I constantly read—and calculate—personal finance. The personal finance topic seems to have transitioned from one of my interests, to a hobby, to a passion, to my current “job.” It is by far the most important job I’ve ever had. It’s actually more like a ‘career,’ …Read More

I’m talking YEARS here! 5, 20, 50 years. The span of 5 years when you’re 15 to 20, seems to feel about the same elapsed time as say 20 years when you turn 50. I’m serious here. Those long 5 years when you’re young are a big chunk of time. You may go through many …Read More

You have to be thinking, how could someone (a normal, non-Wall St, non-C-level exec) earn a bonus that large? I have to admit, I was shocked when I realized that…

Are any of your neighbors rich? Probably yes.
if there are say 125 million households in the US, then there may be one millionaire household in every 12-ish. One in a dozen. That seems amazingly great.
Why not take some learning from “normal” people who managed their finances well.

We’re now closing out February and many people still have great plans to lose weights and/or get their money under control. Of course, I have the same goals—keep my weight and money under control. These tasks are similar, yet quite different. Weight– After years of learning how to manage my weight (after losing over 140 …Read More