Houses have never been more or less affordable, depending on who you ask.
On the one hand, we can point to charts like this and say that the cost of servicing your debt, the biggest piece being housing, has never been lower.

BREAKING: This is an absolutely amazing chart of just released #Fed data. The percentage of earnings that US households are spending on debt payments has collapsed pic.twitter.com/ivjmasHMhQ
&mdash; ...The post <a rel="nofollow" href="https://theirrelevantinvestor.com/2021/07/16/debt-payments-have-collapsed/">Debt Payments Have Collapsed</a> appeared first on <a rel="nofollow" href="https://theirrelevantinvestor.com">The Irrelevant Investor</a>.

Debt Payments Have Collapsed

<img width="300" height="225" src="https://passiveincomemd.com/wp-content/uploads/2021/07/7-16-21-300x225.jpg" class="webfeedsFeaturedVisual wp-post-image" alt="Journal Club 7-16-21" style="margin: auto;margin-bottom: 5px;max-width: 100%" /><img class="alignright wp-image-13481 size-medium" src="https://passiveincomemd.com/wp-content/uploads/2021/07/7-16-21-300x225.jpg" alt="Journal Club 7-16-21" width="300" height="225" />Here's Journal Club 7/16/21! Every week, I hold a <a href="https://passiveincomemd.com/category/journal-club/" target="_blank" rel="noopener noreferrer">JOURNAL CLUB</a>. After filtering through the articles on the web, I present a few that impacted my life this week. Be safe and stay well!
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<ul>
<li class="normal">If you ever read the book &#8220;Your network is your net worth&#8221; by Porter Gale, you'd agree that networking is an invaluable skill that can benefit you in ways you never imagined. Meaningful connections help people to thrive no matter which industry they serve. Networking your way to success might sound simple, but it's not necessarily easy. It takes a good deal of preparation to walk into a room full of professionals and create a lasting impression. Looking for some tips to polish your networking skills? Check out this article, <a href="https://youngandtheinvested.com/networking-tips/">Top Networking Tips: What to Do at Events &amp; Online</a> on the <a href="https://youngandtheinvested.com/">Young and the Invested</a>.</li>
</ul>
<ul>
<li>Is it possible to train your mind to be successful? What separates a successful entrepreneur from a struggling entrepreneur? Do you think the answer to that lies in your mindset? <a href="https://melaniebenson.com/">Melanie Benson</a> shares a few tips to rewire your internal entrepreneurial blueprint to go from struggling to thriving in the article, <a href="https://melaniebenson.com/how-high-earners-think-differently/">How High Earners THINK Differently</a>.&nbsp;</li>
</ul>
<ul>
<li>What comes to your mind when you hear the term &#8220;high-income earner&#8221;? Someone who makes six figures, has no financial struggles, saves more for retirement, but is that really the case? Have you been thinking about saving more but not sure how to go about it? Take a look at this article, <a href="https://www.personalcapital.com/blog/investing-markets/rich-and-broke/">High Income Earners: Why You're Not Saving Enough and How to Save More</a> by <a href="https://passiveincomemd.com/personalcapitalsignup" target="_blank" rel="noopener noreferrer">Personal Capital</a>. This article talks about everyday savings struggles and offers some solutions to get your finances back on track.</li>
</ul>
<ul>
<li>Ever wonder why achieving work-life balance is so much harder or even nonexistent for many? It's not because people don't have the desire to spend time with their families or to do things that drive them. According to <a href="https://www.biggerpockets.com/blog/contributors/nathanbrooks">Nathan Brooks</a>, such balance doesn't exist in the way most people picture it. It requires certain flexibility and mindfulness to enjoy the littlest of things around you. Interested in learning more? Read this article, <a href="https://www.biggerpockets.com/blog/work-life-balance">Work-Life balance is a lie</a> on Bigger Pockets.&nbsp;&nbsp;</li>
</ul>
That’s all, folks. I hope you enjoyed this week’s journal club.&nbsp;
Read anything interesting this week? Please feel free to share them in the comments below!
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The post <a rel="nofollow" href="https://passiveincomemd.com/journal-club-7-16-21/">Journal Club 7-16-21</a> appeared first on <a rel="nofollow" href="https://passiveincomemd.com">Passive Income M.D.</a>.

Journal Club 7-16-21

<img width="150" height="150" src="https://i0.wp.com/accidentalfire.com/wp-content/uploads/2019/10/tgif-logo2-lowres.jpg?resize=150%2C150&amp;ssl=1" class="webfeedsFeaturedVisual wp-post-image" alt="T.G.I.F. Friday" style="margin-bottom: 5px;clear:both;max-width: 100%" data-attachment-id="11642" data-permalink="https://accidentalfire.com/2019/10/04/t-g-i-f-friday-volume-1/tgif-logo2-lowres/" data-orig-file="https://i0.wp.com/accidentalfire.com/wp-content/uploads/2019/10/tgif-logo2-lowres.jpg?fit=600%2C415&amp;ssl=1" data-orig-size="600,415" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}" data-image-title="tgif logo2-lowres" data-image-description="" data-medium-file="https://i0.wp.com/accidentalfire.com/wp-content/uploads/2019/10/tgif-logo2-lowres.jpg?fit=300%2C208&amp;ssl=1" data-large-file="https://i0.wp.com/accidentalfire.com/wp-content/uploads/2019/10/tgif-logo2-lowres.jpg?fit=600%2C415&amp;ssl=1" />Welcome to &#8220;Thank God I&#8217;m FI&#8221; Friday, Volume #47! Here are some things I really like and that you might too.  &#160; Finance Articles How Panflation Can Hurt Your Finances (Super Saving Tips) &#8211; &#8220;You are in a war and you&#046;&#046;&#046;
The post <a rel="nofollow" href="https://accidentalfire.com/2021/07/16/t-g-i-f-friday-volume-47/">T.G.I.F. Friday: Volume 47</a> appeared first on <a rel="nofollow" href="https://accidentalfire.com">Accidental Fire</a>.

T.G.I.F. Friday: Volume 47

After a year in which job losses ran rampant, goods became more expensive, and medical bills piled up for many, ... <a title="The Emergency Fund: It&#8217;s Still Useless!" class="read-more" href="https://www.physicianonfire.com/emergency-fund-useless/" aria-label="More on The Emergency Fund: It&#8217;s Still Useless!">Read more</a><img src="http://feeds.feedburner.com/~r/physicianonfire/grbz/~4/ijPvStPsgxY" height="1" width="1" alt="" />

The Emergency Fund: It’s Still Useless!

Originally published 2020, updated July 2021 I sometimes think that saving has a PR problem. Saving is often seen as something that&#8217;s a bit boring or something that you do when you are in fear (e.g. of losing your job). But saving is the foundation of your financial security. When you have a secure financial [&#8230;]

Your % savings rate is the most important number

The Case-Shiller National Home Price Index is up 15% year-over-year through the end of April.
That seems unsustainable.
The same index is up 35% in total since early-2007 when the last housing bubble peaked. That&#8217;s a return of just 2.1% per year.
Not nearly as bad.
Since the turn of the century, housing prices are up 150% in total or 4.3% per year.
From the bottom of the housing crash in 2012 (which was a decline of...

The Biggest Differences Between Now &amp; The Housing Bubble

A billion-dollar valuation for a private company used to be so special that they had a special name for it. A unicorn.
But what used to be extraordinary is now commonplace. More private companies are running a four-minute mile than ever before.
In The State of Venture, CB Insights shows there were 136 newly minted unicorns in the second quarter. This is 167% more than the previous quarterly record.

With the amount of mon...The post <a rel="nofollow" href="https://theirrelevantinvestor.com/2021/07/15/there-is-so-much-money-sloshing-around/">There is So Much Money Sloshing Around</a> appeared first on <a rel="nofollow" href="https://theirrelevantinvestor.com">The Irrelevant Investor</a>.

There is So Much Money Sloshing Around

Not necessarily interested in broad diversification? Do you want a more concentrated portfolio? Want to know about &#8220;all-in&#8221; stocks that give you nearly instantaneous diversification all by themselves? Then you&#8217;re going to love this. For more on three &#8220;all-in&#8221; dividend growth stocks, check out our latest video HERE. What do you think? Did you enjoy...
<a class="more-link" href="https://www.mrfreeat33.com/3-all-in-stocks-for-instant-diversification-and-safe-growing-dividends/">Read More &#187;</a>
The post <a rel="nofollow" href="https://www.mrfreeat33.com/3-all-in-stocks-for-instant-diversification-and-safe-growing-dividends/">3 “All-In” Stocks For Instant Diversification (And Safe, Growing Dividends)</a> appeared first on <a rel="nofollow" href="https://www.mrfreeat33.com">Mr. Free At 33</a>.

3 “All-In” Stocks For Instant Diversification (And Safe, Growing Dividends)

When a private company decides to go public, there are several options for making the transition that allows for the ... <a title="SPAC vs. Traditional IPO: Pros and Cons of Investing in Each" class="read-more" href="https://www.physicianonfire.com/spac-vs-ipo/" aria-label="More on SPAC vs. Traditional IPO: Pros and Cons of Investing in Each">Read more</a><img src="http://feeds.feedburner.com/~r/physicianonfire/grbz/~4/pua9iafhhgM" height="1" width="1" alt="" />

SPAC vs. Traditional IPO: Pros and Cons of Investing in Each

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Hey Podcast family!
Remember about two years ago, when I mentioned that Afford Anything would start hosting in-person live events?
Then came a pandemic and ruined all our plans. <img src="https://s.w.org/images/core/emoji/13.0.1/72x72/1f611.png" alt="&#x1f611;" class="wp-smiley" style="height: 1em;max-height: 1em" />
Now we’ve turned a corner, and we’re excited about hosting a live workshop and retreat again. And we’re curious to know &#8212; who wants to attend?
We’re thinking of hosting a three-day event in New York City on August 20-22, dedicated to figuring out the next ten years. But before we make a final decision, we need to know: who wants to come nerd-party with us in NYC?
Here’s a three minute video with details:
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And <a href="https://affordanything.com/event" target="_blank" rel="noopener noreferrer">here’s a page</a> that explains evvvverything, including the agenda.
Sign up before July 23rd, and grab one of our discounted tickets.
See you in New York!
<hr />
<img src="">What do you typically attribute someone’s success to?
Their talent?
Their determination?
The hours they’ve spent practicing?
These are the typical stories of success that we hear, but these stories are outdated.
Dr. Ron Friedman, award-winning social psychologist, dove deep into the research. He looked at how the best artists, athletes, and entrepreneurs get to the top of their game.
The credit doesn’t go to talent or work ethic.
Instead, the credit goes to the framework these top performers used to learn.
Dr. Friedman distills his research in his new book, <a href="https://amzn.to/2T0BOmO" target="_blank" rel="noopener noreferrer">Decoding Greatness</a>, and explains how we can use this same framework to improve our skills and achieve greatness.
In this interview, Dr. Friedman discusses:
<ul>
<li>Why reverse engineering is at the crux of success</li>
<li>How to use collections and templates to elevate our skills</li>
<li>The scoreboard principle, with which we can measure anything</li>
<li>How to ensure you’re measuring the things that will help you achieve greatness</li>
<li>Why you need counter-metrics in place (and the danger in over-optimizing for one thing)</li>
<li>The process of making implicit learning more explicit</li>
<li>The three dimensions of practice and why one isn’t enough</li>
</ul>
Dr. Friedman shares actionable insights and wisdom that anyone can use in any area of life. Whether you want to improve your writing, drawing, gardening, listening, or athletic ability, this framework is applicable.
You’ll like this episode if you want to…
<ul>
<li>systematically develop or improve a certain skillset</li>
<li>discover the learning framework the best artists, athletes, and businesspeople use to improve and hone their craft</li>
<li>unlock and harness the power of reverse engineering greatness</li>
</ul>
Resources Mentioned:
<ul>
<li><a href="https://amzn.to/2T0BOmO">Decoding Greatness</a>, by Dr. Ron Friedman | Book</li>
<li><a href="https://www.decodinggreatnessbook.com/">Decodinggreatness.com</a> | Website</li>
<li><a href="https://www.ronfriedmanphd.com/">Ronfriedmanphd.com</a> | Website</li>
<li><a href="https://www.ignite80.com/">Ignite80.com</a> | Website</li>
</ul>
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