One of the best ways to build wealth is to get a handle on your finances by signing up with Personal Capital. They are a free online platform which aggregates all your financial accounts on their Dashboard so you can see where you can optimize. Before Personal Capital, I had to log into eight different systems to track 28 different accounts (brokerage, multiple banks, 401K, etc) to track my finances. Now, I can just log into Personal Capital to see how my stock accounts are doing, how my net worth is progressing, and where my spending is going.


I just graduated college in May and was fortunate enough to secure an entry level consulting position that pays 55k/yr (a little less than ~35k after 401K, other benefits, and the lovely taxes that government bestows upon us). I started from “scratch” with my finances and have ~$2.3k in an online savings account. Since starting work a couple of weeks ago, I’ve had an aggressive savings plan (saving around ~40-50% of my monthly income). However, I’m going to become even more aggressive and live off 1 paycheck a month (and save the other paycheck) like you have suggested in many of your blog posts.
Ibotta: this is a bit different! You need to take a picture of your grocery receipts with your phone and upload them to the app. You will then receive between $0.25 to a few dollars per receipt as cash back for buying certain products. It’s so easy I can’t believe they actually give you cash for that. Plus you’ll get a free $10 bonus when you sign up!

There isn’t an exact formula to make your viral marketing campaign a success. In fact, going viral is one of the most difficult things for marketers. It isn’t possible to perfectly predict what can make or break a viral marketing campaign. However, the above tips should certainly be on your radar to improve engagement and increase your chances of becoming viral.


Logan is a CPA with a Masters Degree in Taxation from the University of Southern California. He has been featured in publications such as LendingTree, Debt.com, and CreditCards.com on topics ranging from paying down debt to using credit card points to saving money on taxes. After spending nearly 10 years in public accounting, including 5 with professional services firm Ernst & Young where he consulted with multinational companies and high net worth individuals on their tax situations, he launched Money Done Right in 2017 to communicate modern ideas on earning, saving, and investing money.
Awesome article…if this does not give somebody a clear roadmap, they probably were never going to get there in the first place! I’m kind of like you trying to figure out where to place “new” money and maturing CD’s in this low interest environment. Rates have to go up eventually…I dream of the days again where you can build a laddered bond portfolio paying 8%. I plan for a 5.5% blended rate of return, with big downside protection.
Lending Club is a platform where you can lend your money to other people. You’re the bank. Each note is only $25, so you can invest $1,000 and lend money to 40 people. There are many grades of loan (from safest to riskiest) and investors earn, on average, between 5% and 7% annualized returns. For more information, check out Investing and Making Money with Lending Club Peer-to-Peer Lending and my real money Lending Club Portfolio.

Viral advertising is personal and, while coming from an identified sponsor, it does not mean businesses pay for its distribution.[6] Most of the well-known viral ads circulating online are ads paid by a sponsor company, launched either on their own platform (company webpage or social media profile) or on social media websites such as YouTube.[7] Consumers receive the page link from a social media network or copy the entire ad from a website and pass it along through e-mail or posting it on a blog, webpage or social media profile. Viral marketing may take the form of video clips, interactive Flash games, advergames, ebooks, brandable software, images, text messages, email messages, or web pages. The most commonly utilized transmission vehicles for viral messages include: pass-along based, incentive based, trendy based, and undercover based. However, the creative nature of viral marketing enables an "endless amount of potential forms and vehicles the messages can utilize for transmission", including mobile devices.[8]
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