Authentic Happiness : Using New Positive Psychology to Realize your Potential for Lasting Fulfillment By Martin E. P. Seligman


I picked this book up in San Francisco in the $2 section. I was visiting my college friends in SF that weekend and we were in an area near UC Berkeley. Fate would have it that this was the first book that caught my eye. After reading a few pages, I was hooked.

Unlike the majority of Psychological Research focusing on negative behaviors, this book does a 180 and focuses on positive psychology. Through statistics and research, Seligman uses research and statistics from different findings to suggest ways to not only be less depressed but to try to be the happiest you can be.

Note : Most of this review is a basic summary of what he wrote. I did a lot of paraphrasing but this is just my notes on the book so that I can always look back and review. I hope this helps you outline the book as well and if you’d like to pick up a copy, there’s a link here.

Seligman explains that Roughly 50% of our personality traits come from genetic inheritance. He believes we all have a set range of happiness that we can personally feel. Through some investigation, he finds out the exact formula that can help us stay in the top range of our happiness.

First, we examine Warner Wilson’s research as he advises the psychological world that happy people are the following :

  • Well paid
  • Married
  • Young
  • Healthy
  • Well educated
  • Of either sex
  • Of any level of intelligence
  • Religious

Seligman’s views on each topic of discussion.

  • Money is important. Looking at poorer countries, we can see that wealth in the nation will make a difference in standard of living as well as overall happiness but materialism becomes counterproductive. People who value money more than other goals are less satisfied with their income and with their lives as a whole.
  • Marriage can improve your happiness drastically IF & ONLY IF you are happily married. If you are unhappily married you are worse off than if you decided to get divorced.
  • Social life with more friends and deeper connections will make you happier.
  • Age isn’t a factor as your pleasant affects decrease as you age but your life satisfaction increases.
  • Negative emotions surprisingly does not mean you will not be happy. For example, women experience more depression than men but also studies show that they have considerably more positive emotions as well. Women typically feel more intensely than men in general.
  • Health does not play a huge role in your happiness. “Even severely ill cancer patients differ only slightly on global life satisfaction compared to healthy people.”
  • Education, Climate, Race & Gender on average do not play a huge factor into your happiness.
  • Religion actually can be very impactful into your happiness. Building communities and having faith in the future can benefit your life immensely.

To summarize, looking at outside forces to help improve your happiness you can :

  • Live in a wealthy democracy, not in an impoverished dictatorship (a strong effect)
  • Get married (a strong effect, but perhaps not casual)
  • Avoid negative events and negative emotion (only a moderate effect)
  • Acquire a rich social network (a strong effect, but perhaps not casual)
  • Get a religion (a moderate effect)

As far as happiness and life satisfaction are concerned, you needed bother :

  • Making more money (money has little or no effect once you are comfortable. And materialistic people are less happy)
  • Stay healthy (subjective health, not objective health matters)
  • Get as much education as possible (no effect)
  • Change your race or move to a sunnier climate (no effect)

Satisfaction about the Past

This section looks at the positive emotions you can feel from the past :

  • satisfaction
  • contentment
  • fulfillment
  • pride
  • serenity

There are three ways you can lastingly feel more happiness about your past.

  1. Intellectually, letting go of an ideology that your past determines your future.
  2. The next two are emotional. Increasing your gratitude about the good things in your past intensifies positive memories.
  3. And learning how to forgive past wrongs diffuses it.

Optimism about the Future

Permanence : People who give up easily believe the causes of bad events that happen to them are permanent.


Permanent (Pessimistic) “The boss is a bastard.” Temporary (Optimistic) “The boss is in a bad mood.”
Temporary (Pessimism) “I try hard.” Permanent (Optimism) “I’m talented.”


Pervasiveness : People who make universal explanations for their failures give up everything when a failure strikes in one area.


Universal (Pessimism) “I’m repulsive.” Specific (Optimism) “I’m repulsive to him.”
Specific (Pessimism) “I’m smart at math.” Universal (Optimism) “I’m smart.”


Increasing Optimism & Hope

  • ABCDE Method (Adversity, Beliefs, Consequences, Disputation, Energization)
  • Learn to Argue with Yourself When your Feeling Pessimistic


Happiness in the Present

Two Types of Happiness

  1. Pleasure
  2. Gratification

Enhancing the Pleasures

  • How you spread out your pleasures are crucial. Inject into your life as many events that produce pleasure as you can, but spread them out, letting more time elapsed between them than you normally do.
  • Savoring
    • Sharing with others.
    • Memory-building
    • Self-congratulation
    • Sharpening perceptions
    • Absorption
  • Mindfulness

The Gratification : Here are the Components

  • The task is challenging and requires skill
  • We concentrate
  • There are clear goals
  • We get immediate feedback
  • We have deep, effortless involvement
  • There is a sense of control
  • Our sense of self vanishes
  • Time stops

Notice there is no positive emotion on the list of essential components. Compared to pleasures, where we are just consuming, when we are engaged (absorbed in flow), we are investing, building psychological capital (absorbed in flow).


Though the countries purchasing power, amount of education, availability of music and nutrition has gone up, Depression is now ten times as prevalent as it was in the 1960s. Seligman theorized that a huge contributing factor may be the reliance on shortcuts to happiness : television, drugs, alcohol, shopping, loveless sex, spectator sports, chocolate, etc.

Here is a powerful antidote to the epidemic of depression in youth : strive for more gratifications, while toning down the pursuit of pleasure. Though the process of switch from less pleasures to more gratifications can be difficult as gratifications require skill and effort as well as the possibility of failing, it will be much more rewarding in the long run.


  • Wisdom & knowledge
  • Courage
  • Love & humanity
  • Justice
  • Temperance
  • Spirituality & Transcendence

Your Signature Strengths

  • Wisdom & Knowledge
    • Curiosity
    • Love of Learning
    • Judgement
    • Ingenuity
    • Social Intelligence
    • Perspective
  • Courage
    • Valor
    • Perseverance
    • Integrity
  • Humanity & Love
    • Kindness
    • Loving
  • Justice
    • Citizenship
    • Fairness
    • Leadership
  • Temperance
    • Self-control
    • Prudence
    • Humility
  • Transcendence
    • Appreciation of beauty
    • Gratitude
    • Hope
    • Spirituality
    • Forgiveness
    • Humor
    • Zest


There is a fantastic quiz in the book (pg 141-159 or you can find it on his website) to figure out your signature strengths to help you find what will help you incorporate more flow in your daily life.


Work & Personal Satisfaction

Find work that works for you

  • Identify your signature strengths
  • Choose work that lets you use them every day
  • Redraft your present work to use your signature strengths more
  • If you are the employer, choose employees whose signature strengths mesh with the work they do

The key is not finding the right job, it is finding a job you can make right through recrafting.



Marriage is a more potent happiness factor than satisfaction with job, or finances, or community. David Myers says in his documented American Paradox, “In fact, there are few stronger predictors of happiness than a close, nurturing, equitable, intimate, lifelong companionship with one’s best friend.”

Married people have the least depression and never-married people the next least, followed by people divorced once, people cohabiting, and people divorced twice.


  • Memories
    • Secure adults remember their parents as available, warm and affectionate.
    • Avoidant adults remember their mothers as cold, rejecting and unavailable.
    • Anxious adults remember their fathers as unfair.
  • Attitudes
    • Secure adults have high self-esteem and few self-doubts. Other people like them and they regard other people as trustworthy, reliable, good hearted and helpful until sad experiences proves otherwise.
    • Avoidant adults regard other people as suspicion, as dishonest and untrustworthy (guilty until proven innocent). They lack confidence, especially in social situations.
    • Anxious adults feel they have little control over their lives, find other people hard to understand and predict, and so are puzzled by other people.
  • Goals
    • Secure adults strive for intimate relationships with those they love and try to find a good balance of dependence and independence.
    • Avoidant people try to keep their distance from those they love, and they put a greater weight on achievement than on intimacy.
    • Anxious people cling; they fear rejection continually and they discourage autonomy and independence in the people they love.
  • Managing distress
    • Secure people admit it when they are upset, and they try to use their distress to achieve constructive ends.
    • Avoidant people don’t disclose. They don’t tell you when they are upset; they do not show or admit to anger.
    • Anxious people flaunt their distress and anger, and when threatened they become too compliant and solicitous.

John Gottman, a professor at the University of Washington predicts in advance which couples will divorce and which will stay together with over 90% accuracy. The harbingers are as follows :

  • A harsh startup in a disagreement
  • Criticism of partner, rather than complaints
  • Displays of contempt
  • Hair-trigger defensiveness
  • Lack of validation ((particularly stonewalling)
  • Negative body language


On the positive side, Gottman finds that if these couples devote an extra 5 hours/week to their marriage, they will see major improvements over the years.

  • Partings : Before these couples say goodbye every morning, they find out one thing that each is going to do that day. (2 minutes x 5 days = 10 minutes)
  • Reunions : At the end of each workday, these couples have a low-stress reunion conversation. (20 minutes x 5 days = 1 hr, 40 min)
  • Affection : Touching, grabbing, holding, and kissing — all laced with tenderness and forgiveness (5 minutes x 7 days = 35 min)
  • One weekly date : Just the two of you in a relaxed atmosphere updating your love (2 hrs)
  • Admiration and appreciation : Every day, genuine affection and appreciation is given at least once (5 min x 7 days = 35 min)


Sandra Murray, a professor at the State University of New York, studied romantic illusions in romance by asking many married and dating couples to rate themselves & their partner on a variety of strengths and faults. She also asked friends to fill out these ratings about each member of the couple as well. The crucial measure is the discrepancy between what your partner believes about your strengths and what your friends believe. The bigger the discrepancy in a positive direction, the bigger the romantic “illusion” that your partner has of you.


Raising Children

Eight Techniques for Building Positive Emotions in Your Child

  1. Sleeping with You Baby : When the baby always wakes up to find her parents right next to her, fear of abandonment wanes and a sense of security grows. (You will not roll over and kill your baby. I cannot vouch for this statement as I do not currently have a baby, but the book says it so I’m just regurgitating.)
  2. Synchrony Games : These games help your baby understand that their actions matter and that they are in control of their own lives.
    1. Toys : Stacking blocks that they can stack and knock over, Books and magazines that they can tear, cardboard crates that you can cut doors and windows out of and invite your toddler inside.
    2. Drawbacks from Synchrony Games : Children need to fail. They will start to feel sad, anxious and angry. When we impulsively protect our children from failure, we deprive them of learning skills.
  3. Yes & No : Say no less times or the child will expect no’s from the world.
    1. Drawbacks of Few “No’s” : When shopping, kids always want everything. Instead of saying “No”, try to reply with this example “Your birthday is coming up in 2 months, why don’t we put this one the wishlist.” This will teach your kids not to impulse buy and to become future-minded. Or you can try to swap chores for the toy. “How about you help mommy sweep the floors every night and for the next 3 weeks and we will come back and buy you that toy?”
  4. Praise & Punishment : When you reward your child with praise regardless of what she does, she may not learn from her failures and her successes. Looking at punishment, the infliction fails frequently because the safety signals are often unclear to the child. When you punish a child, you must ensure that the danger signal, and therefore the safety signal, is completely clear. Make sure he knows exactly what action he is being punished for.
  5. Sibling Rivalry : With each child occupying a specific niche for chores that lets them use their peculiar strengths, we buffer against rivalry.
  6. Bedtime Nuggets : There are two activities we do to help children at night.
    1. Best Moments : This helps shape a positive state-of-mind ratio that we hope, our children will internalize as they grow up. We ask them what they liked doing that day, listen to them, and at the end ask them to count how many good things happened and how many bad happened, then get them excited about tomorrow.
    2. Dreamland : Ask each child to call up a really happy picture in their heads then get each one to describe it and concentrate on it and give it a name in words. You will instruct your children in a hypnotic tone of voice, “I want you to do three things. First, keep the picture in your head; second, say the name over and over as you fall asleep; and third, intend to have a dream about it.”
  7. Making a Deal : Making a deal with a four-year-old implies some significant assumptions : that parents can contract with a child so young, that a reward can precede rather than follow the behavior to be strengthened, and that your child expects that if he misbehaves he will both break his promise and lose his newfound prize.
    1. Drawbacks : This technique should not be overused or the child will learn that misbehaving is a way to get presents. This should only be used if everything else fails and no more than twice in one childhood. Also, you should never bluff, if your child has broken her promise, she should lose her prize.
  8. New Year’s Resolutions : Hold a New Year’s Resolutions with your children and review it midsummer to see how you have done. Build on your strengths to build positive accomplishments.


Meaning & Purpose

The good life consists in deriving happiness by using your signature strengths everyday in the main realms of living. The meaningful life adds one more component : using these same strengths to forward knowledge, power, or goodness.


Garlic Sauce Recipe

Recently, I’ve been trying to find a healthy garlic sauce recipe. Most of the ones I’ve found are not garlic-y enough for my liking + too oily. So I’ve created my own recipe. If you are a garlic head like myself, this is for you. Note : I stole the instructions from another blog linked here but I tweaked the ingredients so it was a more healthy version of this one. Hope you enjoy!


  • 3/8 cup of grape seed oil
  • 3/8 cup of olive oil
  • 5 heads of garlic peeled
  • 3/4 cup of lemon juice
  • 1/2 cup of ice cold water
  • 1 tsp salt
  • You will also need a food processor


  1. Before you begin, place your oil in the freezer or refrigerator so that it is chilled, but still liquid. While the oil chills, remove the ends from your garlic cloves. In a food processor, combine garlic cloves, salt, 1/4 cup of the lemon juice and 1/4 cup of the ice cold water.
  2. Process until smooth, then stop and scrape the sides of the food processor with a spatula.
  3. Turn the food processor back on and drizzle the chilled canola oil through the top as SLOWLY as possible, one cup at a time. If you don’t have a steady hand I suggest putting the oil in a squeeze bottle and drizzling it in that way. After each cup of oil, add 1 tbsp each of the lemon juice and cold water.
  4. Scrape down the sides of the food processor as necessary. Be sure that your processor does not get too hot, as this can cause your sauce to separate.
  5. Add oil until you’ve reached the texture you desire. The final result should resemble a soft mayonnaise. Store toum in an airtight container in the refrigerator. This recipe makes a pretty big batch, but it should keep for up to 4 weeks and it can be used on so many things. You’ll be happy you have extra. Enjoy!


One of the things Ben and I do as a couple is plan our trips for the next year in December. We like to spread things out so that we have something to look forward to throughout the year. We hate to schedule vacations stacked on other vacations. We are usually tired by the end of the trips and we terribly miss our cats. We just went on our first trip this year. Usually, we go somewhere we haven’t been because it’s exciting and why not right? But our first trip this year was to visit our friends in San Francisco. Before leaving LA, I was kind of scared I wouldn’t have a great time. There was a lot of anxiety coming into the trip. I haven’t seen my friends in a couple of years. We have all changed since college, going down our own paths. Would we even understand each other anymore? Are we strangers that used to be close? So many things to consider, I was a bunch of nerves on the airplane.

THE FEELS : Once I landed, my friend Daniel picked me up. It was pouring rain. The most rain SF has seen this winter. Not a great welcome to the city as I hoped. Once in the car, I felt the old rhythm with my friend come back. We finished each others sentences, laughed about ridiculous events and talked like we were back in college again. It was one of those things that only old friends can understand. We had met in freshmen year of college and were in the same group of friends throughout college. We got to talk until 2/3am in the morning about our respective significant others, our challenges now with career and love, and how time has passed but we both truly care about each other. It was truly great seeing him and I’m so glad I stayed with him during our trip.

I’m so thankful for my other friends that I saw that weekend as well. Kimmy, Melvin, Howell, they all made so much time for me. I practically saw them everyday that weekend. I don’t remember ever laughing so much except for in college. It was great meeting Howell’s girlfriend Lily too! The time I had in SF will always have a special space in my heart.

THE FOOD : On Friday night, we went to T4, your typical boba joint, to kill time before Lily and Howell arrived. Got a table at Leisure Cafe, the price was fair, A LOT of pasta/rice compared to the meat/substance on the plate but still not a bad price. After dinner, we went to this amazing Hong Kong desert place which served this durian dish that was absolutely delectable. On Saturday, Daniel, Ben, Melvin & I went to Faction, a brewery in Alameda. The view was beautifully light with downtown SF’s skyline. We talked for hours until the sun went down. On Sunday, we went to Peony for Dim Sum to meet up with Howell and Lily again. Yes, it was a jam packed weekend of eating Chinese food. Yes, I know I live in the 626 and yes, I know we have Chinese food here. But, cmon! Who doesn’t love Chinese food?

All in all, I will have to consider pushing trips back to late February or early March. I think with the Holidays in Nov/Dec, January is to Years as Mondays are to Weeks. It’s the month to be motivated to start new things and keep good habits. But it was still amazing to see my friends. I never knew how much I missed them until coming to visit them in Norcal. I’d like to make this trip every 2-3 years. I think that’s enough time that they won’t get annoyed that I’m coming up and they will make time for me! 1-18 SAN FRAN (1 of 22)1-18 SAN FRAN (2 of 22)1-18 SAN FRAN (7 of 22)1-18 SAN FRAN (16 of 22)1-18 SAN FRAN (20 of 22)

New Chapters in my Life

2017 was a hard year for me. There were not that many ups but a lot of downs. My first business idea was a complete failure. We lost a lot of money and what came with the entire experience was shame. When people asked me how my business was doing, I’d tell them we’ve been profiting because I was so ashamed that we failed and I’m not usually one to lie! For months out of the last year, I just felt so sorry for myself. Anxiety & depression took over and I barely did anything risky for fear that I would fail miserably again. It was not a great year for me at all.

I decided that I’ve been mopping around for too long. My fiancé, at the time, (now my husband, yay!) was nothing but supportive of me and I will always love him for being the rock in the hurricane that is my emotional states. But honestly, I can’t mop around forever. And I can’t just focus on failures from the past. Failures help mold you, teach you a hard learned lesson and prepares you for new opportunities and potentially success. You don’t fully succeed unless you’ve failed at least 1000 times and this is just my first failure. There will be millions more and what? Am I always going to take months to get over it? God, I hope not! As 2017 was ending, I decided to take the time and reflect on my mistakes and I think my biggest mistake was feeling ashamed about my failures. I am not and will not be defined by my failures. I will be defined by my courage to keep going even in the face of failures. So at the beginning of 2018, I decided to try something new. I decided to take action on things that interested me, that motivated me. I decided not to be motivated by fear or guilt or shame. Honestly, it’s easy to just let go and hide away from the world, but that is not the life I want to live.

For 2018, I came up with some new resolutions that I’d like to share with you all.

  1. I will not be ashamed of my failures & mistakes. We are all human and we can not and will not be perfect. Let us take the time to love ourselves in spite of and because of our imperfections, failures & mistakes. My resolution is to truly enjoy what I am doing. My actions need to come from a place of love, creativity & fun. If I find that my actions only cause stress, anxiety & depression, I will have to stop and reevaluate my actions.
  2. I am trying to find creative outlets to showcase things that interest me. Lifestyle, fashion & beauty currently on my IG platform, tvooo_. I just started taking photos again and editing and let me tell you, I’m having a fantastic time! I’m really excited to showcase my artistic talents through photography on my new channel.
  3. One of my favorite things to do is to make people laugh. I’m going to try to post an entertaining video once every 2 weeks on my Youtube Channel. My jokes can be crude, vulgar and distasteful but honestly, I rather be true to myself and put myself out there to try to make others and myself laugh then to hide my comments for fear of offending people. Again, this is the whole “taking actions that are inspired from love, creativity & fun” thing.
  4. Start a new business idea! I’ve been kicking myself about the past mistakes from my previous business idea. But I still want to live a lifestyle where I am free to
    • work while traveling the world
    • not trade time for money
    • be able to raise my children myself and not by my mother, mother-in-law, or a nanny
    • & the only way I am going to live that lifestyle is if I make decent money through a business & investments.
  5. Yes, yes, I am already married legally, but my big asian wedding is still coming up in September. I have never been so motivated to lose weight. I have a ton of progress photos and I started tracking almost everything! From weighing everything I eat, to writing down every set/rep I do, to measuring my body every week. I’m going to use this blog to show updates on progress! Hope it is informative and motivating!
  6. Blogging! This is going to be my outlet for ALL my struggles towards my goals. I’m excited to talk about my 3 creative outlets (IG, Youtube, WordPress), my new business ventures & getting in the best shape of my life. This is going to be one hell of a ride but I’m hoping 2018 will be coming up all me.

Those are my current resolutions. I’m excited to start implementing and working on project me! What are some of your resolutions? Are your actions coming from a place of fear, anxiety & shame or joy, creativity & fun? Let’s all try to be the best versions of ourselves that we possibly can.

Hope you enjoyed!



Asset Allocation & Rebalancing

This amazing book “The Intelligent Asset Allocator” by William Bernstein was an incredible read. He uses simple examples to explain a fundamental strategy if you want to win your financial future. Being Asset Allocated with your investments will not only lower your risk dramatically but also only reduce your rewards minimally.

Most people innately think that Risk and Return must be tightly correlated. High risk brings high returns. Low risk brings lower returns. This is a human bias and does not work out in real world investment situations. Bernstein points out that investing a specific way can lower your risk dramatically and only lower your return by a fraction of a percentage. You can have your cake and eat it too!

Two major investment philosophies to consider :

  1) Have investments that are loosely correlated should be a major part of your portfolio. Being loosely correlated meaning that they perform independently of each other.

  1.    US Stocks & US Bonds
  2.    Foreign Stocks & US Stocks

  2) Rebalancing every 1-2 years. What is rebalancing, you ask? Rebalancing is a strategy investors implement so that they can reduce risk. Say you have a portfolio of 60% Stock and 40% Bonds. If the stock market skyrocketed and you were now at a ratio of 70% Stock and 30% Bonds by the end of the year, you would rebalance and sell 10% of your stock to buy bonds so that your ratios are in sync again. The idea is to sell high and buy low. Rebalancing helps you enforce that idea.

  While I was reading this book, one big question kept creeping up in my head. What about the taxes? How are you to sell your stocks at a high and provoke short term gains tax? Won’t that dramatically cut your returns? Bernstein acknowledges this flaw and actually recommends not selling your stock at all. More on that later.

  Real Application. Yes yes, proving theories may be all well and good but how can this information help my sorry ass? In the last few chapters “Implementing Your Asset Allocation” is the money maker literally (hah!).






  • 500 INDEX





  •   Note : He chose Vanguard for their low expense fees and their variety of Index Funds






  • SHORT TERM CORPORATE FUND (Subject to both the federal and state tax)
  • SHORT TERM TREASURY FUND (subject to federal tax, not state)
  • LIMITED-TERM TAX EXEMPT FUND (subject to state tax, not federal tax)
  • Note : We are only looking at Vanguard Bond Funds within 2-3- years of maturity. Bernstein goes through the book trying to convince the audience that Bonds any longer than 5 years will erode due to inflation and is not a good place to put your money with certain exceptions. Also, I read this book like 2 weeks ago and I’m not going to go back and review my thoughts. If you want some more details about the book, go pick it up at your local library boy!

Determining Your Precise Allocation

Everyone has their own allocation. Here’s a few questions you want to ask yourself.

  • What goals do you want to accomplish? Do you want a home in 5-10 years? Saving for your kid’s college education? You want to stop working like the rest of us?
  • What time range do you want to accomplish each of those goals? If you have more time, you have the ability to be more risky with your money. But you still have to think about…
  • Your pain tolerance. Most people won’t like to admit this but they can not stomach if we had another recession. I know some millionaries that are great at making money and saving money but once they’ve invested into stocks and saw half a million dollars drop in their investments.. Guess what they did? That’s dam right, they sold it for a lost and never invested in the market again. We want to make sure that you are at a pain tolerance level that you can stand so that we stay in the market. Because if you aren’t in the market, and most of your money is in cash, then you’re just losing because of inflation.

This is my investment plan for now. I might change it throughout the years but this is what I’m striving for.

  • To meet these goals, my fiance and I have set aside money weekly, monthly, whatever we can so that we can get this allocation. When it comes to taxes, we do not believe in selling to provoke a short term gains tax.
  • To try to minimize rebalancing, we have plans to take the dividends in cash and buy bonds from that. We will also continue to add monthly into our investments so if our portfolio is heavily stacked with stocks, we will just have to add monthly to our bonds and hope it will balance out. If it doesn’t, well that’s life. We are also going to rebalance annually in May. I’ve read some stuff about how May is a good month on financial forums and I can dig that.
  • My allocation was also inspired by both of Tony Robbin’s financial books “Money:  Master the Game” & “Unshakable : Your Financial Freedom Playbook” Great reads. Highly recommended.
GNMA 7.5


You can see here that a good rule of thumb is to invest in large cap stock in your taxable accounts since most likely (these are less at risk of failing and you can potentially buy and hold them till you freakin die). Companies that have been around for a hundred years will probably be around for the next hundred. Think Coca Cola. I highly recommend reading Buffettology. It goes through the different companies that are great to buy and hold. We invest in riskier things in our tax-advantage accounts (401ks, IRAs and such) so we can buy and sell quickly without tax consequences. We also rather buy an index than just 1 small stock because it’s less risky, more diversified and I’m too lazy to do the research on smaller companies that have less financial reports.

  • Note : Vangaurd is a great company to invest with. You have to make sure that  whichever company you decide to go with has LOW FEES. This is key. But the con with Vangaurd is that you will have to have 3k+ to start investing. It may seem daunting to have to save up 3k but if you can just start with something small on a monthly basis. Say 300/mo, or even smaller, then you will get there before you know it. The biggest impact you can have on your financial future is ADDING MONTHLY to an investment and being CONSISTENT. Good luck and I hope this helped!


Read til You Need Reading Glasses

I’ve been reading… A LOT. It started after I graduated college and I felt lost. I was watching a Tony Robins video and he started talking about how he kept reading and reading about successful people. I went to the library and I found a lot of biographies but what really drew me in were self-help books. I read a lot of them. After reading and reading, they started to all feel the same; the same content, the same story, the same “help”. So I moved on. I found success books. Somewhat self-help like but geared towards being financially free and making a lot of money.

Now I stumbled upon the 4-Hour Workweek. He questions society, believes that we do not have to work a 9-5 work schedule everyday to end up secure in the future. I want to believe him and I’m excited to use his models in my own life time.

Here’s to reading!

It Hurts

It hurts to let yourself fall for someone.

It hurts to see that you aren’t meant for each other.

It hurts to see a door close between you and a great person.

It hurts to think this is the end. 

But things get better with time, the pain fades and new opportunities will arise. 

And maybe when it hurts again, you’ll be hurting for your soulmate.