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How to Save Money at Panera Bread

Did you know that Panera Bread bakes its bread on-site every day? I knew their bread was good but I thought perhaps they were like half-baked elsewhere, frozen, and delivered on site for the final baking. Kind of like the over rolls you get at the grocery store. It turns out fresh dough is delivered […]

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Some Crazy Things I Did to Make Extra Money in College

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As someone who grew up financially comfortable but not wealthy, studying and earning money was always on my mind. We were a frugal family because everything we saved went towards flights back to Taiwan to see the rest of the family. We always had food on the table and as a kid, I never worried […]

The Simple Magic of Investing in a Three-Fund Portfolio

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Occam’s Razor is the idea that the simpler solution is more likely to be correct than complex solutions. In investing, Occam’s Razor is right. Simple is better. And in this case, simple means a handful of passively managed index funds. Over the long run, index investing has beaten actively managed funds as well as hedge […]

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