As many of you know, I am a big fan of side hustles.  I see them as a financial independence superpower that not only leads to increased revenue and diversification, but also joy and passion.  I am not, however, unaware of the fact that many feel they are a waste of time.  The case against side hustles is real.  There are many reasons why an individual may decide ...

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I have neck pain.  It’s been going on for years.  Usually, I get sore stiff muscles once a week and a headache.  This is the consequence of having a big bobblehead on a pencil thin, weak neck.  In the throes of pain, I have thought many a time about doing the right thing, and going to see a physical therapist.  But then I get a heating pad, take a Tylenol, ...

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I am not a doctor of finance.  I’m a medical doctor.  So when I enter an elderly patient’s home, I’m not expecting to do a wallet biopsy.  Whether they can pay me or not is of little consequence.  I do think, however, about whether they will be able to afford the care I prescribe.  Will they have enough to pay for that extra caregiver?  Is there cash to keep a roof over ...

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It is easy to look at someone’s net worth and ooh and ahh.  The response from my monthly income reports is fairly telling.  People see the numbers and wonder how I accumulated so much.  They peruse the Rockstar Finance's Net Worth Tracker and daydream.  To capture these dreams, there are countless blog posts about how to become a millionaire.  If you just follow these three simple steps!  The headlines ...

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I used to have a patient who was an undertaker.  We had many conversations about philosophy and practicality,  and it didn’t take long to realize the profound insights one must learn when engaged in such a unique business.  As I was often fond of saying, when the undertaker speaks, you should really listen.  This belief that our experiences can lead to new and different perspectives has pushed me to analyze not ...

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Signing the divorce papers was probably Charlie’s lowest point.  His wife sitting by his side, occasionally she would swat at the air at some invisible fly buzzing around the room.  There was no fly.  Just the acrid smell of the nursing home, a horrifying mix of sweat, shit, and desperation.  He tried to focus his aged eyes on the legal papers as the tears swirled past his nose and losing traction, fell ...

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The trap had been set.  I arranged my baseball cards in the three boxes that I had arranged in a circle around my bedroom floor.  I checked again to make sure that anything of value had already been packed away in the dresser drawer in the closet.  Bill’s mom would be dropping him off in a few minutes.  I salivated as I thought about the bundles of cards he ...

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I return there sometimes in my dreams.  Plodding down the streets of my childhood, I turn sharply to the right and push through the door as the bell clangs announcing my presence.  A middle-aged man is bent over rummaging; he peers past the display case and calls to me in acknowledgment.  The air is warm and humid inviting me to peel off my jacket, hat, and gloves.  I throw them ...

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I have spent a good part of my career investing time and energy towards side hustles.  I generally categorize them into two distinct types of ventures.  The lazy side hustle involves starting a business or consulting in a field tangential to ones main hustle.  For example, an accountant who works normally as an auditor may do a few tax returns on the side during tax season.  I call his ...

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The lows don’t mean you are loser.  To the contrary, they mean something else that is completely antithetical.  They mean you are pushing the envelope.  You’re learning from past mistakes.  The lows mean that you are at an inflection point.  The trick is not to see the pit you are currently trapped in as a pit.  Think of it more as a privileged vista in which to view the pathway ...

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