ABOUT AUTHOR

Michael Harris

Michael Harris is a certified financial advisor from Chicago who specializes in personal budgeting, investing, and financial literacy education. With over twelve years in financial planning, he’s helped families and young professionals achieve long-term financial stability. Michael’s writing emphasizes transparency, goal-setting, and smart saving habits. His mission is to simplify complex financial ideas so readers can make confident money decisions and build sustainable wealth for the future.

What are Financial Values and its Importance?

Money choices can feel confusing sometimes, right? One day you want to save, and the next,

6 Key Benefits of Financial Literacy You Should Know

I used to think financial literacy meant simply knowing how to balance a checkbook. But it’s

11 Smart Ways to Save for a Down Payment Fast

Buying a home might seem out of reach when you think about saving up. I get

How to Set a Smart Investment Objectives That Work?

Before you put a single dollar into the market, it helps to know what you’re aiming

What are Some Key Components of Successful Budgeting?

Let me be honest with you: budgeting isn’t about punishment or restriction. It’s simply a plan

Top Benefits of Investing for Beginners

I used to think saving money was enough; stash it away, watch it grow, right? But

What Additional Paid In Capital Means in Accounting?

If you’ve ever looked at a company’s balance sheet and wondered what “additional paid-in capital” means,

What Does FFO Mean: A Simple Guide for REIT Investors

If you’ve ever tried to make sense of REIT reports, you know how confusing all the

What is a Good Debt-to-Equity Ratio for You?

Ever wondered how companies pay for their operations and growth? They use two main sources: borrowed

OCF Formula Explained With Real Example

Understanding your company’s cash position is more important than knowing your profit. A business can show

I’ll never forget the first time I missed a major reversal because I didn’t recognize the chart pattern staring right

When I first started trading crypto, the charts looked like chaos, with lines, candles, and shapes everywhere. However, once I

Trading has changed a lot over the years. People once had to call brokers or rely on newspapers to follow

Ever watched a stock slide lower and lower but felt like the decline was losing steam? That moment when selling

If you spend time studying charts, you’ve probably noticed a candle with a tiny body and a long lower wick.

Ever stare at a chart and see a candle that looks like an upside-down “T”? That shape is called a

Money choices can feel confusing sometimes, right? One day you want to save, and the next, you’re tempted to spend.

I used to think financial literacy meant simply knowing how to balance a checkbook. But it’s so much more than