The Investing & Financial Foundation for Beginners.

Sharing simple, clear, and neutral insights on personal finance, stocks, and investing lessons for those just starting out.

How the 401k Early Withdrawal Penalty Destroys Your Wealth

How the 401k Early Withdrawal Penalty Destroys Your Wealth

Lai Van Duc 11/03/2026
Identity Theft Prevention: 5 Steps to Lock Your Digital Life

Identity Theft Prevention: 5 Steps to Lock Your Digital Life

Lai Van Duc 10/03/2026
Price to Book Ratio: A Beginner’s Guide to Value Investing

Price to Book Ratio: A Beginner’s Guide to Value Investing

Lai Van Duc 09/03/2026
How Target Date Funds Work: The “Set-it-and-Forget-it” Strategy

How Target Date Funds Work: The “Set-it-and-Forget-it” Strategy

Lai Van Duc 08/03/2026
Mortgage Types for Beginners: Fixed-Rate vs. ARM Explained

Mortgage Types for Beginners: Fixed-Rate vs. ARM Explained

Lai Van Duc 07/03/2026
Capital Gains Tax: A Beginner’s Guide to Saving Money

Capital Gains Tax: A Beginner’s Guide to Saving Money

Lai Van Duc 06/03/2026
How to Perform a Subscription Audit and Save Hundreds

How to Perform a Subscription Audit and Save Hundreds

Lai Van Duc 05/03/2026
What is a Good P/E Ratio? A Simple Guide for New Investors

What is a Good P/E Ratio? A Simple Guide for New Investors

Lai Van Duc 04/03/2026
Time in the Market vs. Timing the Market: The Shocking Truth

Time in the Market vs. Timing the Market: The Shocking Truth

Lai Van Duc 03/03/2026
How to Choose a Real Estate Agent: 12 Questions for Beginners

How to Choose a Real Estate Agent: 12 Questions for Beginners

Lai Van Duc 02/03/2026