money
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Tipping has gone too far…
Tipping has gone out of hand. I was a server and a bartender. I’m not trying to take away your tips; in fact, if things get any worse, fewer people will go out to eat, restaurants will shut down, and no more tips ever. Slippery slope argument? Sure, but getting people on your side using…
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$100,000+ Salary
Why is a six-figure salary glorified? Do we just like big numbers? Six is big, right? Six figures is an arbitrary number, but I think there’s an argument for why it’s one good indicator of lifestyle. Disposable income. 100k isn’t just double 50k in terms of lifestyle. There’s a multiplier effect once you meet the…
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Rotating Savings and Credit Associations (ROSCAs)
Rotating Savings and Credit Associations (ROSCAs) represent an ancient yet enduring form of informal financial institution that blends the principles of peer-to-peer banking and lending. A ROSCA comprises a group of individuals who agree to meet over a defined period, pooling funds regularly and taking turns withdrawing a lump sum. These associations operate on mutual…
Body of Knowledge 