Real Estate
The Upside of Homeownership
How cash flow, equity, and leveraged appreciation can tilt the equation towards buying
Ethan Tang
Psychology
How much happiness does money buy you?
Apparently unlimited amounts for the happiest among us and a ceiling for the saddest
Personal Finance
Lifestyle Creep: Why Earning More Doesn’t Always Feel Like More
The subtle (and often not-so-subtle) spending increases that can erode financial security as your income grows
Investing
The Price-to-Rent Ratio: Should You Rent or Buy in Boston?
A ratio to make smarter financial decisions about renting or buying (in Boston’s competitive housing market)
Investing
House-Hacking: Turning Your Home Into an Investment
Thoughts on the pros and cons of house-hacking: owning property, earning rental income, and leveraging low down payment loans to build equity and offset costs
Investing
Rethinking Real Estate: Why I’m Considering an FHA Loan for a Multifamily Property
How FHA loans and multifamily properties can turn low down payments into rental income, equity, and tax advantages—even for first-time buyers
Credit Cards
The Financial Hot Potato: 0% Interest Credit Cards and Balance Transfers
0% interest credit card promotions—how they work, their risks, and why lenders offer them as a financial lifeline or potential debt trap
Credit Cards
Debunking 4 Common Credit Myths
A small collection of common misunderstandings I've corrected for friends over the years.
Misc
Capital One Cafés - Where Banking Meets Living
A thought piece on why Capital One Cafés even make sense to open from the bank's perspective
Modeling
Sora by OpenAI: Text-to-Video AI Just Reached New Frontiers
OpenAI’s Sora transforms text into video with cutting-edge AI, offering creators tools to animate, remix, and produce dynamic content. While groundbreaking, it raises questions about its limitations and impact on creative industries. Is this the future of video production?
Risk
Poor Credit & The Making of False Gold
A brief dive into the ’08 Subprime Mortgage Crisis and how risk was multiplied at every layer
Credit Cards
Limit Testing with Credit Limits
Just because you have it, doesn't mean you should use it.