If you invest 10K a year and your money grows at an average rate of 8% (the average return of a global diversified basket of stocks), you’ll reach 100K in about eight years. After that, the pace speeds up. The next 100K takes around FIVE years, then THREE, then TWO. Your money starts doing more of the work for you. Stay consistent. The first 100K is the toughest part. Once you get there, momentum and compounding begin to carry you forward. Your main task becomes staying committed. This journey isn’t just about reaching a number. It’s about learning to pay yourself first, building habits that give you stability, and proving to yourself that you can create your own sense of security. What is one small step you can take this week to move closer to that first 100K?

In my last post, I talked about investing 10K a year. If that number feels out of reach, it helps to break it into smaller steps. Instead of getting overwhelmed, you take action. You decide to set aside just 27 dollars a day in a high-yield savings account. That adds up to about 810 dollars a month.After a year, you’ve built a 10K emergency fund. Once that safety net is in place, you redirect that same 27 dollars a day into low-cost index funds through a regular brokerage account. Time passes. You stay consistent. You keep investing. Over thirty years, with an average return of 8%, that daily habit can grow to around 1.2 million dollars. That is what steady, simple, consistent money choices can do.

Trump just floated the idea of a 50-year mortgage. The idea is lower monthly payments, which sounds great until you realize you’ll still be paying it off when your kids have kids. But more time often just means more interest, more stress, and less freedom. MY TIP FOR YOU ( if you have a mortgage that is longer than 15 years and your mortgage interest is greater than 6% ( current rates) Add $5/10 a day towards your principal . You could save ‘00,000 in interest over a 30 years mortgage Others ideas: ✔️ 0% balance transfer offers. These gave me space to breathe and pay down debt without throwing money away on interest. ✔️Consolidation. I combined multiple debts into one monthly payment with a lower rate. It was like flipping the lights on in a messy room. ✔️Refinancing. For some of the bigger debts, I found better terms and reduced my monthly burden significantly. Not to overwhelm you … but the reality is that if you , for example have a 200,000 mortgage at current 6.5% 30’years mortgage rates —- at the end of the 30 years you would have paid your home 455,000 or 255,000 in “ interest “ to the bank Hence...if you ...just (for instance) add 10 $ a day towards lowering the principal it could save you several thousands dollars in interests and about 10’years less in payments

ENGLISH: Coins pass from hand to hand, yet we rarely stop to think about them.For a child, though, every object has a life, an origin, a little mystery waiting to be discovered. One day, while emptying my wallet, I showed my son a foreign coin.I told him it had traveled through another country, maybe it once sat in the pocket of someone buying bread or having coffee. From that moment, a beautiful conversation began: Who might have held it before us? What did they use it for? When children connect money to people and stories, they start seeing value as something deeper than the number engraved on the metal.They realize money doesn’t “appear” in a wallet — it represents work, exchange, and effort. 👨‍👩‍👧‍👦 Practical tips for parents: - Look together at different coins: notice the symbols, dates, and images. - Tell stories about where those coins might have been before reaching you. - Explain that behind every coin there’s someone who worked to earn it. - If you have foreign coins, use a globe or map: “Look, this one is from Spain. What do you imagine people buy there?” - 📘 Talking about money doesn’t have to be a lesson. It can be a story you create together. Today, take a coin and invent its story with your child.Hashtags:#MindfulNovember #FinancialEducationMonth #FinancialLiteracy #ConsciousParenting #RaisingMoneySmartKids #FamilyLearning #MoneyStories ITALIANO: Le monete passano di mano in mano, ma raramente ci fermiamo a pensarci.Per un bambino, invece, ogni oggetto ha una vita, un’origine, un mistero da scoprire. Un giorno, svuotando il portafoglio, ho mostrato a mio figlio una moneta straniera. Gli ho raccontato che era passata per un altro Paese, forse in tasca a qualcuno che stava comprando il pane o prendendo un caffè. Da lì è nata una conversazione bellissima: chi l’avrà avuta prima di noi? Cosa ci avrà fatto? Quando i bambini collegano il denaro alle persone e alle storie, iniziano a vedere il valore come qualcosa che va oltre il numero inciso sul metallo.Capiscono che i soldi non “nascono” nel portafoglio: rappresentano lavoro, scambio, impegno.

BILINGUAL POST 3. If interest rates rise, what will typically happen to bond prices? Se i tassi di interesse salgono, cosa succede ai prezzi delle obbligazioni?