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Most people think investing is about chasing big wins. Finding “the next Apple.” Timing the market just right. Making that one move that puts you on a beach somewhere with a cocktail and no emails. But here’s what the numbers say: Most investors underperform the market—by a lot—because they’re too busy reacting to it. Meanwhile, the people who just sit tight and ride the average? They often win by default. The lesson? Average returns are…
We often talk about the skilled labor shortage—but there’s a quieter, equally urgent issue hiding in plain sight: the instability of trades businesses themselves. Electricians, HVAC technicians, plumbers, contractors, and other skilled professionals are in high demand. But too many of their businesses fail within the first few years. When they do, the fallout extends far beyond the owner. It impacts job security, local economies, and the public’s trust in trades. If we want to…
You made it. Whether you read one article or worked your way through the entire onboarding series—congrats on taking a powerful step toward greater financial confidence. Choosing your employee benefits isn’t just about checking boxes. It’s about building a safety net. Planning for your future. And giving yourself the tools to navigate life’s inevitable ups and downs. What You’ve Just Done. By learning how to: Fill out your W-4 strategically, Choose the right healthcare and…
In a recent episode of the Level Up Podcast, co-host Addison Wiggin put it simply—and powerfully: “We need to make skills and trades cool again.” It’s more than a catchphrase. It’s a cultural rally cry. For too long, the trades have been quietly essential, but socially invisible. While skilled labor powers the backbone of our economy, it rarely shows up in career day presentations, glossy brochures, or aspirational TikToks. But it could—and it should. If…
Once you’ve picked your major medical health insurance and set your 401(k) contributions, there’s often one more section of your benefits package to consider: voluntary or supplemental insurance plans. These aren’t required, but they can offer targeted support that fits your life and risk profile. And since they’re offered through your employer, they’re usually more affordable than if you bought them on your own. This type of insurance can be significant income protection as the…
Once you’ve split your money into two boxes—spending and saving—the next question naturally follows: How much should go into each? This is where most financial plans fall apart. Not because people don’t want to save—but because they have no benchmark. They save “whatever’s left”—which, as anyone with a grocery receipt and a car payment knows, often rounds down to zero. Let’s fix that. The Power of Ratios. A ratio is just a decision made in…
It’s easy to fall into the trap of believing, “That won’t happen to me.” But here’s the truth: you’re far more likely to experience a serious illness or injury that prevents you from working, than to die unexpectedly before retirement. Think about this; If you die, your obligations end. If you are sick or seriously injured, not only do your obligations persist – you will likely encounter more financial obligations as a result of the…
Let me be clear: you don’t get to call yourself a first responder just because you applied for the job. You earn that title—day by day, test by test, mistake by mistake. It all starts and ends with proper training. Not just the drills. Not just the certifications. But the character you build when no one’s watching. The way you push your limits, stay coachable, listen to sound instruction and commit to excellence before anyone…
Reimagining the Career School Experience When we talk about college, we don’t just talk about classes and credits—we talk about the experience. The late-night study sessions, campus life, dorm room memories, and student clubs. For many, it’s about personal growth, independence, and connection just as much as academics. But what if you choose a different path—like trade school? For students who want to learn a skill and have a meaningful, connected student life, trade schools…
Life insurance isn’t always top of mind when you’re starting a new job. But understanding whether you need it—and how much—is an essential part of building financial stability for those who depend on you. Let’s walk through the basics so you can make a clear and confident choice. What Is Life Insurance? Life insurance pays out a lump sum to your chosen beneficiary (like a spouse or child) if you pass away. It’s designed to…
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