About David Ning

Staying with the same bank for years can make the idea of switching feel daunting, especially when long-standing routines offer a sense of comfort. Yet modern banking tools have removed much of the hassle that once made the process intimidating. Updating payment information is far simpler than it used to be, and a smooth transition […]

Some say you need to spend three months’ worth of salary on the rock. I have friends who make $100,000 a year. Do they really need to spend $20,000 to $25,000 on an engagement ring? Will the significant other really say no if they see jewelry that’s not extravagant enough? As with most things finance, […]

Many people hesitate to start investing because it feels complicated or intimidating. But today’s tools make it easier than ever, and taking the first step is one of the smartest financial moves you can make. Investing lets your money grow over time, harnessing compound returns in a way simple saving never can. If you’re unsure […]

There’s one very specific thing I remember about my dad’s views on investing. He told me multiple times that he simply wouldn’t touch certain investments, out of principle alone. For starters, he refused to ever short a stock. That’s because shorting a stock is basically betting on someone else to fail, meaning you profit off […]

Frugal living goes far beyond trimming receipts or limiting purchases. It begins with a mindset shift that reshapes everyday decisions and priorities. Many people fall into patterns of extreme penny pinching that strain both finances and emotional well-being, yet a healthier approach can feel surprisingly relaxing. When budgeting efforts never seem to stick, adopting a […]

Money plays a central role in most relationships, shaping daily decisions as well as long-term plans. When partners hold different spending habits or financial priorities, tension can build quickly. Overspending, hidden purchases, or unresolved debt often strain trust and communication, making it harder to work toward shared goals. Recognizing the early signs of financial conflict […]

Many people feel pressure to project a certain lifestyle, often spending more than they can comfortably afford in an effort to match expectations or impress others. While the impulse is understandable, the long-term impact can be damaging, leading to stress, growing debt, and financial instability. Recognizing the habits that fuel overspending and understanding why the […]

Receiving an unexpected windfall can spark excitement, relief, and a rush of possibilities. Extra money often feels completely unrestricted, making it tempting to immediately imagine major lifestyle upgrades or long-awaited purchases. A sudden boost in resources can create meaningful financial freedom, yet it can also lead to choices that undermine long-term stability if acted on […]