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The Surprising Power Skill That Beats Risk‑Taking in Career & Money Moves
See how the real power move isn’t risk at all—it’s the ability to stay calm and decisive when everything around you feels uncertain.

The Richuel Team
6 days ago3 min read


Too Young to Retire, Too Experienced to Quit — How to Design Your Pivot Career
Midlife career shifters in their 40s to 60s aren’t dreaming about retirement—see how they’re designing Act II.

The Richuel Team
Jan 267 min read


Your New Year Career Pivot Starts With Knowing Your (Net) Worth
Headlines about white-collar burnout, layoffs, and job anxiety are everywhere, and it is not your imagination that mid-career feels riskier than it used to. A recent deep dive in the Wall Street Journal confirms professionals feel trapped by rising costs and shaky ladders, and the fear of making a wrong move in this economy. If you are heading into 2026 feeling financially foggy, debating a career shift, or wondering if early retirement is even realistic anymore, you are very

The Richuel Team
Jan 55 min read


New Year, New Nut: Nail Monthly Expenses to Build Your Runway
Doomscrolling LinkedIn over holiday coffee? If you're pro-eyeing a 2026 career shift—with kids' activities, mortgage payments, and that nagging "what if" runway question—you're not alone. Getting a clear read on your household's monthly expenses isn't about nickel-and-diming lattes; it's the baseline for every smart move in the year ahead. Why Your Monthly Breakdown Matters Now Fixed expenses like mortgage and utilities lock in 50-60% of most high cost of living area (HCOLA)

The Richuel Team
Dec 23, 20252 min read


On Track to Coast? “Convincing husband we are well past coast number.”
A Reddit poster on r/CoastFIRE believes she and her husband have reached CoastFIRE and is looking for tips on how to talk to her husband...

The Richuel Team
Oct 1, 20254 min read


Chasing the Nut: What Southpark’s Mr. Mackey Teaches Us About Money
Anyone who’s seen South Park’s “Got a Nut” episode knows the feeling. Mr. Mackey goes from school counselor to ICE agent—not because it fits his passions or values, but because losing his job means he’s scrambling to cover his $7,000-a-month bills that later inflate to $10,000 to cover taxes and lifestyle.

The Richuel Team
Sep 5, 20253 min read


Career Shifting is the New Normal: 5 Options to Own Your Next Chapter
Doomscrolling on LinkedIn while sipping an oat milk latte. Let’s face it: the 2025 job market is a total beast for Gen X Millennials....

The Richuel Team
Aug 18, 20256 min read


Managing Liquidity: How Much Cash Do You Really Need?
With the current economic uncertainty and new global conflicts seeming to happen every day, checking your overall liquidity level is...

The Richuel Team
Jul 24, 20257 min read


From Paycheck to Playcation: Career Breaks Without Breaking the Bank
Real-world strategies to fund your sabbatical—so you come back energized, not broke. Many people desire a break from work. As you spend...

The Richuel Team
Jul 24, 20258 min read


Not Just for Billionaires: Beat the Big Beautiful Bell to 2025’s Best Tax Breaks
Scored an ID.4 for $129/month before EV tax credits end. Picture this: The Big Beautiful Bell just tolled, and the starting gun has fired...

The Richuel Team
Jul 21, 20254 min read


A “Rad” New GenX Approach to Life & Money in 9 steps
What if we focused on building a life we don’t need to retire from? Hey, fellow GenXers! (Yes, that includes us 40-somethings who...

The Richuel Team
Jul 1, 20254 min read


What’s Really Holding You Back? (Hint: It’s Not Your Bank Account)
Discover how your financial fears might be the only thing standing between you and your most meaningful next chapter. What if your...

The Richuel Team
Jun 26, 20254 min read


Own Your “Freedom Money” Number: A Practical Guide for Households
Do you know where your money needs to be? Discover how to take control and calculate that all-important money number to achieve financial...

The Richuel Team
Jun 26, 202510 min read


Generative AI: The Future of Personal Financial Management
Understanding the Rise of AI in Personal Finance A recent report by Experian reveals a growing interest among U.S. consumers in using...

The Richuel Team
Mar 31, 20253 min read
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