Over a year ago I took a career risk and moved from Ohio to Boston and left a secure job in the government to become a federal subcontractor. In this post, I thought it was a good time to give an update on how that is going. Leaving all the benefits of being in a […] The post Taking a career risk: regret or not? appeared first on How to PhD. The post Taking a career risk: regret or not? appeared first on How to PhD ..read more

How to get a mortgage in America in 2023 (and how high rates are impacting affordability) Buying a home is one of the biggest financial decisions you’ll ever make, and getting a mortgage is a key part of the process. A mortgage is a loan that you take out from a bank or other lender […] The post Buying a home in 2023 – keep waiting or go for it? appeared first on How to PhD. The post Buying a home in 2023 – keep waiting or go for it? appeared first on How to PhD ..read more

What 3 degrees in America did not teach me but TikTok did has to do with a high-yield savings account. Recently, I was talking to my friend about potentially saving for the down payment on a home. Neither of us owns a home right now. We are both in our early 30s and we both […] The post What 3 degrees in America did not teach me (but TikTok did) appeared first on How to PhD. The post What 3 degrees in America did not teach me (but TikTok did) appeared first on How to PhD ..read more

529 Plans are a smart way to save for college, but I am not going to lie, I never heard of them until a few days ago. I follow personal finance advice on social media and found this lady’s comment asking about funding her child’s education. Then someone nondescriptly mentioned 529 Plans, and I googled […] The post 529 Plans: A Smart Way to Save for College appeared first on How to PhD. The post 529 Plans: A Smart Way to Save for College appeared first on How to PhD ..read more

What is your MAGI and how to lower it is a topic pertinent to how your taxes get calculated among other things. MAGI is relevant to understanding your retirement savings contribution limits and contributing to a 401K and HSA can lower your MAGI. So let’s get into it! Understanding Modified adjusted gross income (MAGI) requires […] The post What is your MAGI and how to lower it appeared first on How to PhD. The post What is your MAGI and how to lower it appeared first on How to PhD ..read more

Open jobs at Lincoln Lab may be hard to find if you don’t know the exact website/link where they are posted! I have been working in this organization for over a year now and only recently discovered the website! So I thought I will share the exact link in this blog post so others may […] The post Open jobs at Lincoln Lab – how to apply directly appeared first on How to PhD. The post Open jobs at Lincoln Lab – how to apply directly appeared first on How to PhD ..read more

What I wish I did in graduate school for my personal finance strategy involves obtaining a Roth IRA! Not getting a Roth IRA sooner was a blunder that you should avoid. For context, when I am writing this post, it has been almost 5 years since I graduated with a Ph.D.! I am still in […] The post Personal finance strategy: What I wish I did in graduate school appeared first on How to PhD. The post Personal finance strategy: What I wish I did in graduate school appeared first on How to PhD ..read more

Investing in stocks that pay dividends can be a great way to generate passive income while building long-term wealth. In this blog post, we will take a closer look at three stocks that pay dividends: JEPI, SCHD, and SPHIX. We will compare them based on their dividend yields, historical performance, and other key factors that […] The post 3 example stocks that pay dividends appeared first on How to PhD. The post 3 example stocks that pay dividends appeared first on How to PhD ..read more

Money saved = money earned. Since money does not grow on trees don’t expect magic methods in this post to make money. This is how I saved money by spending one whole day on CHANGING my life in the following methods, each yielding savings. I had to take the day off from work today due […] The post How to PhD in penny-hoarding to earn $3000 in one day appeared first on How to PhD. The post How to PhD in penny-hoarding to earn $3000 in one day appeared first on How to PhD ..read more

ChatGPT Playground is a web-based platform where you can interact with ChatGPT, a large language model trained by OpenAI. It is a fun and educational way to explore natural language processing (NLP) and the capabilities of language models. On the ChatGPT Playground, you can ask questions, give prompts, and have conversations with it on a […] The post What ChatGPT told me about the ChatGPT Playground appeared first on How to PhD. The post What ChatGPT told me about the ChatGPT Playground appeared first on How to PhD ..read more