Blog

As I wrap up the semester with my students at the University of Tennessee, here are a few of the lessons we talked about—life, money, and what really matters:

✅ If you always treat others like they're going through a hard time, most of the time you'll be right.

✅ Focus only on the things that are both important and in your control. Let go of everything else.

✅ You miss every shot you don't take, and you don't get what you don't ask for.

✅ Practice closing the gap between what you say is important to you and what you actually do.

✅ Living without regrets doesn't happen by chance, it's a choice.

If nothing else, please remember I'm cheering for your success, and that 90% of personal finance comes down to this:

1) Live within your means

2) Save the difference

3) Be patient with compound growth

PS—If you make a good decision one time to automate paying yourself first, then you will consistently make good decisions (following rules 1 and 2) without even thinking about it or missing the money you're saving. The hard part is being patient.