For small business owners, every dollar counts. Whether it’s increasing sales, adding a new product, or cutting down on spending, I’m sure you’re looking for any way to cut costs and increase profits. At the end of the day, profits and cash flow are the fuel that drives the long-term sustainability of any great business.

We’ve all heard the saying “What doesn’t kill you, makes you stronger.” It’s used in movies, countless motivational speeches, social media graphics, and even pop songs. The problem is that as human beings, we’re hard-wired with two conflicting ideas.

One thing that most people have in common is that they would never want to lose their income. However, as the possibility of a recession continues to make headlines, it’s easy to understand why people are worried. The reality is that people may lose their jobs, or their income may be affected.

Investing can feel like a bit of a mystery – I find this to be ironically true in today's age of information. In the past, accessing information about investing wasn’t easy because it wasn’t readily available. In the early 90’s when I first started learning about investing at the age of 10, there was no internet.

We’ve all heard the cliché that “history is written by the victors.” Well, the world of investing is no different. When it comes to the news, social media, or even conversations with friends, we only hear about the victories. We hear how this influencer sold a digital picture of a monkey for X or how a teenager made Y off a speculative digital currency.

Ah, Spring has sprung! Growing up in South Florida, I had no clue what the seasons were. As my dad, a native New Yorker, often told me, “Florida only has 3 seasons, hot, hotter, and bleeping hot!” Since I have been living in New York/New Jersey for a while now, Spring has by far become my favorite season. Everything seems new, and a sense of a fresh beginning.

If you asked anyone of your friends, family, or colleagues what their goals for the future were, I’m willing to bet that purchasing a house will come up at some point. After all, this is the great “American dream” that we’ve all been spoon-fed as we grow up. Get a good job, establish your family, and then put your savings and everything you earn into a family home.

This time of the year is typically the doldrums for me. It’s still cold out, there are no major holidays, and no great sports. Football has ended and baseball has not yet begun. The highlight of this time of year has always been waiting for the Berkshire Hathaway annual report, with the corresponding letter from its Chairman, Warren Buffett.

When it comes to finding success and balance in life, you’ve probably been given similar advice to most other working people today. “You only get out what you put it”, “Time is money”, and other messages that sell us on the idea of working now, and a living later lifestyle that points us all to the "golden years" of retirement.

Well, the New Year is upon us again. Last year at this time, I wrote about the importance to Just Start on your sustainable wealth creation journey. After an outsized down year across most financial assets in 2022, this has left many disheartened with the economy and their finances - particularly regarding their goals of wealth.

If you went up to a child and asked them whether they wanted to be wealthy, I’m confident they would answer that they want to be rich. My guess is they would say this for two reasons:

1) They might not understand the difference between the two

2) The idea of being ‘rich’ is something that is sold to us from a young age

I recently enjoyed some time with my family and a break from the headlines that we’ve been hammered with over the last few months, while celebrating Rosh Hashana. For those who aren’t aware, Rosh Hashana is the Jewish New Year. No matter when you celebrate the new year, these celebrations all have two things in common; A farewell to what has been and excitement for what new things are to come.

Of all the questions I get asked about investing, one of the most common that I get asked - especially from young investors - is “when should I start?” This is a great question because how you start something matters. If a sports team gets early points on the board, it puts them in a stronger position to get an important win.

No matter where you get your news, I think we can all agree that the tone has been overwhelmingly negative of late. This is upsetting because a lot of people just go by the headlines which are raising a lot of alarm bells about interest rates.

If you turned on your TV, opened a newspaper, or checked your phone at any point in the last month, it's very likely you saw the word inflation. Amongst all the pressing issues currently being discussed, inflation is always high on this list - and it’s easy to understand why.

As a society, we often do everything we can to avoid uncertainty. Whether it’s checking the weather before we leave the house or getting insurance to protect us from unfortunate events, we do what we can to avoid uncertainty. This is especially true when it comes to our money. Ask anyone about investing, and I bet that they’re looking for the least amount of risk with the best possible returns.

With the market's sharp declines so far in 2022, it’s almost impossible to have a conversation about investing without the word risk or its close siblings volatility and uncertainty coming up. You’ll hear things like “it’s too risky”, “markets are volatile”, and my personal favorite “there is uncertainty.” Sound familiar?

If you’ve met me, read any of my previous blogs, or listened to my podcast, you’ll know that I love football. There are so many aspects that I love about it, but one of my favorite parts by far is when I can relate the game to the world of personal finance and the creation of sustainable wealth.

Since the beginning of 2022, it feels as if there hasn’t been much good news. Financial markets have been down, a war broke-out in Ukraine, and I officially became old when I turned 40 in mid-February! At the end of the day, as I try to instill in myself and others, negativity gets you nowhere.

I know it’s been 10 years since the film was released, and 18 years since the book that inspired it was published, but I want to talk about Moneyball. As a sports fan, this movie and portrayal of the 2002 Oakland A’s was right up my alley, however, this isn’t the only reason I loved this movie.