Rishi Vamdatt · Passed the CFP® Exam at 16 
I’ve seen a consistent pattern when it comes to wealth building. It’s not about complexity. It’s not about picking the perfect stock. It’s about understanding one advantage that diminishes every year you wait. Here’s a simple comparison that reframes how young adults should think about investing.
Don’t delay investing – start with these 3 moves, ranked in the order that actually works. Move one: Claim your 401(k) match first. That’s free money, and it compounds for decades. Move two: Open a Roth IRA. Your money grows tax-free forever. Move three: Use a regular brokerage account for medium-term goals. This is for …
Infographic: Why You Feel Poor (Even If You Aren’t) Why Everyone SEEMS Richer Than You Your coworker just pulled up in a brand-new BMW. Your college friend is posting from Bali again. And you’re sitting here in your family’s 12-year-old Toyota wondering what you’re doing wrong with your life. Here’s the secret: you are the …
Everyone knows someone who looks like they’ve figured money out: New car, constant travel and lifestyle upgrades that seem effortless. But appearance and financial reality are often very different things. I break down why so many smart, high-earning people feel stuck despite doing “everything right,” and how modern money habits quietly work against them. If …
Infographic: 5 ETF Mistakes Costing You Thousands 5 ETF Mistakes That Are Quietly Costing You Thousands You can lose thousands on ETFs (Exchange Traded Funds) without even knowing it! ETFs aren’t complicated, but the way people use them is costing them serious money. I’ll show you the five traps beginners fall into and exactly how …
ETFs are often marketed as simple, low-risk investments. But for many beginners, small, overlooked decisions quietly erode returns over time. Here, I break down common patterns I see among new investors that feel smart in the moment, but add up to real losses long term. These aren’t dramatic mistakes. They’re subtle, widely accepted habits that …
ETFs aren’t complicated, but the way most beginners use them is. I’ve noticed the same issues come up again and again with new investors in their 20s: choices that seem harmless, feel diversified, and sound responsible, yet quietly cost thousands over time. This is for anyone getting started with ETF or index fund investing who …
Teen Allowance System: Infographic Teen Allowance Management: 3 Buckets To Get Rich Do you blow your entire allowance in the first week, then spend three weeks completely broke? You’re not bad with money. I’ll reveal the unfair advantage you have that adults would kill for. It’s the only way to enjoy what you want now …
We talk a lot about financial literacy for adults, but the real unfair advantage is learning money skills as a teenager. Here, I break down a simple framework for what to do the moment allowance or income hits a teen’s account, without turning it into a boring lecture or forcing them to give up all …
Infographic: 5 Investing Rules to Become a Multi-Millionaire Without a Financial Advisor Quiz: How to Invest Your First $1,000 You’ve saved up $1,000 – now what? Take this quick quiz to see if you know the smart, proven way to invest your first big chunk of money. 5 Investing Rules to Become a Multi-Millionaire: No …
