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“The subset of people that make the sh*ttiest, worst decisions with their money? It’s not a certain gender. It’s not a certain race. It’s not a certain age group. It’s people who don’t have options. It’s people who are desperate.” — Vivian Tu, author of Rich AF Social media has undoubtedly changed how we consume […]

Tiny habits can and will change the course of your life, whether for better or worse. You may not even realize their effect until years later! This is known as the “butterfly effect.” Coined in the 1960s by Edward Lorenz, a meteorology professor at the Massachusetts Institute of Technology, who was studying weather patterns, theorized