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Kathryn Vercillo

You Can FIRE at 35 If You Do This

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You Can FIRE at 35 If You Do This

If you want to live as independently as possible, then you’re probably aiming for FIRE. In other words, you want Financial Independence, including to Retire Early. Obviously, you simply don’t want to get chained down to a 9-5 job for decades upon decades. Instead, you want to be free of that burden as early as possible. But how early in your life is it truly possible to FIRE? You can FIRE at 35 if you do these things:

Start Investing in Your Early Twenties

In fact, in today’s world, even teenagers have the opportunity to learn about investing. Smart parents can help their children plan to FIRE at 35 by teaching them about investments at a very young age. In any case, if you want to FIRE then you need to begin investing as early as possible. If you start investing and aggressively accumulating wealth in your early twenties then you’ll have more potential to FIRE at 35.

Investing tips for early retirement include:

  • Max out your retirement contributions. Get a job that matches a high percentage for you.
  • Invest in a variety of high-risk and low-risk opportunities,
  • For example, invest in stocks and low-index funds as well as cryptocurrency.
  • Constantly continue to educate yourself about smart investing. Don’t relax in this area.

Develop Passive Income Streams as Early as Possible

This is one that teenagers and even younger kids can start doing thanks to today’s modern world. Kids can blog, vlog, and even earn money as social media influencers. There are children publishing books and online courses. As early as possible, begin to develop these types of passive income streams. After all, the blog you start at 15 might develop into something that can earn you passive income by the time that you’re twenty. This allows you to turn your attention and energy to other means of earning money while still generating income from that initial source. The more passive income streams that you have, the easier it is to FIRE at 35.

Enter a High-Income Job Industry

Your passive income and side hustles are important. However, before you FIRE, so is your main job. Therefore, you need to focus on earning as much income as possible from that job. You want to grow your salary year upon year. Work smarter, not harder to make as much money as you can. Tips for doing so include:

  • Get in on the cutting-edge of high-earning industries. For example, right now cryptocurrency is hot.
  • Go above and beyond to educate yourself. Become an expert in a niche field.
  • Make yourself indispensable. Do the job better than anyone else no matter what job you’re doing.
  • Consistently negotiate your salary up. Don’t hesitate to ask for more if you’ve earned it.

Start Your Own Business, Too

First, develop passive income streams. Continue to grow those throughout your lifetime. Then, get that high-paying main job. However, don’t ever forget that ultimately you want to be your own boss. As soon as possible into your career, start your own business. This is the business that you want to continue doing on your own once you officially retire.

After all, FIRE doesn’t necessarily mean that you never work again. It means that you retire from the 9-5, from working for someone else, from working because you have to pay the bills. FIRE means that you might run your own business part-time or full-time, remotely or however you see fit at any given time in your future. The earlier you can start that business,  the better off you’re likely to be. If you are open to transitioning from your regular job to full-time self-employment / entrepreneurship, then you can FIRE at 35.

Live a Super Frugal Lifestyle

Earning money, particularly through investing and other passive income streams, is the main portion of young financial independence. However, you also want to save as much money as possible. Learning to live a very frugal lifestyle from a young age can go a long way towards this savings. Things you might consider:

  • Forego an expensive college education. Hack your education instead using the free resources that are out there. Or, at the very least, begin with community college.
  • Live car-free with roommates in an affordable city. The younger you are, the easier it is to adapt to this type of lifestyle because you’re not used to anything else, yet.
  • Stay out of debt. Do whatever it takes in your life to avoid getting into debt. You don’t want to pay money in interest. In contrast, you want to earn interest on your money.
  • Live well within your means. Remember, the stricter that you budget your money now, the more aggressively you can save for the future. This is what will allow you to FIRE early. Moreover, it will help you in your early retirement years if you need to live lean.

Figure Out the FIRE Life You Want to Live

Speaking of living lean, there are different types of FIRE lifestyles. You might plan for Fat Fire, Lean FIRE, or somewhere in between. It’s crucial that you decide early on what kind of FIRE lifestyle you’re aiming for. After all, that’s how you’ll set your goals. In order to FIRE at 35, you must get really clear on what your financial goals are. You have to set them, then power straight ahead to achieve them. So, learn as much as you can about the types of FIRE lifestyles people live. Constantly educate yourself about early retirement options through podcasts, blogs, books, and talking directly with others who live the FIRE dream. And make sure that you have realistic expectations of how much wealth you need in order to FIRE at 35.

Get a FIRE Mentor

If you want to live independently, then you might think that you need to do it all on your own. However, that’s false. The more support and guidance that you have, the more likely that you’ll succeed. Get financial experts involved in your life – both as professionals (such as a money manager) and as personal friends. Find yourself a FIRE mentor or two and lean on them for support as you go through your financial journey.

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If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Check out these helpful tools to help you save more. For investing advice, visit The Motley Fool.

The 4% Withdrawal Rate Is a Lie, Use This Instead

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4% safe withdrawal rate

For many years people relied on the concept of the 4% withdrawal rate to plan for retirement. However, many experts now say that this method is outdated. If you’re planning on using it for your own future, think again. There are better options for a safe withdrawal rate that you need to consider instead.

What Is the 4% Withdrawal Rate?

The 4% withdrawal rate is a percentage that many people use in retirement planning. The idea is that you should plan to withdraw approximately 4% of your retirement account each year once you retire. Obviously, the intention is to allow you to have a steady amount of income to meet your needs in retirement. At 4%, you are supposed to have what you need and yet not max out your retirement savings during your lifetime. While it’s a popular retirement planning method, many experts now agree that this is not a safe withdrawal rate.

The History of the 4% Withdrawal Rate

Kitces has a great interview with Bill Bengen, the so-called father of the 4% withdrawal rate. Bengen was a financial planner who was trying to solve problems in retirement planning in the 1990’s. He used historical data on finances over several decades to determine a safe withdrawal rate for retirees. His plan became the standard rule of thumb for other financial planners and their clients.

However, even in the 1990s, he didn’t actually use the 4% withdrawal rate. He recommended a 4.5% withdrawal rate for his clients instead. And in the Kitces interview, he says that in today’s world, a 5% withdrawal rate is probably a safe withdrawal rate due to low inflation.

There Are a Lot of Factors To Determine a Safe Withdrawal Rate

The 4% withdrawal rate relied on data from the earlier part of the 20th century. People simply aren’t in the same place now as they are then when it comes to money. Moreover, the world’s economy is different. When trying to assess a safe withdrawal rate, you need to take into account a wide variety of individual and economic factors.

As Bergen suggests over on Kitces, low inflation allows for a higher withdrawal rate. Money Sense notes that low interest rates are one factor. Increasing investment rates, and long life expectancies pose additional considerations. Think about it: are you planning to retire at 65 and likely to live to 95? That may greatly affect your retirement planning in comparison with someone who wants to retire earlier or later or who has a family history likely to end in a premature death.

And you have to consider your own feelings about retirement and the risks you’re willing to take with your money. Whereas Bergen says that 5% is now a safe withdrawal rate, Money Sense errs on the side of caution and uses a 3% withdrawal rate to plan for a long period of retirement. And Financial Samurai is even more conservative, suggesting 1% or less withdrawal at least in the early years of retirement.

Financial Samurai’s Alternative Safe Withdrawal Rate

Financial Samurai suggests this equation for your retirement planning: A safe withdrawal rate is a 10-year bond yield x 80. The article explains in-depth how this would mean that a $1 million retirement investment today would result in $17,000 of pre-tax income at the current bond yield of 1.7%.

The reason that they suggest this method is:

  • You don’t have to touch your principal. Living off your interest in retirement is ideal to give you a cushion in case you need it.
  • It’s a conservative option that allows you to plan not only for your future but for the generations beyond yours. In contrast, the 4% withdrawal rate uses up all of the money you have.

Financial Samurai has also provided a Safe Withdrawal Rate chart that ranges from 0.08% to 5.6% depending on the ten year bond yield.

An Alternative Retirement Plan

Financial Samurai also suggest another calculation. That option is to try to amass 20x your gross income before retirement. This allows you to gather what you need in order to survive well in retirement. Plus, it’s an easy calculation. However, it’s a bit simplistic.

Again, whenever you do retirement planning, you really need to think about a range of different factors. Life expectancy is a big one as is the quality of life you want to have when you retire. Moreover, you have to ask yourself if you want to spend out your retirement in your lifetime or leave something for the next generation. None of these are easy decisions.

Moreover, as Financial Samurai points out, you want to think about what retirement income might look like. Have you invested in risky, but potentially high-yielding investments? Are you able to use passive income or part-time work to supplement retirement income? Again, these are all important factors that might change the decisions you make about a safe withdrawal rate for you unique situation.

Working With a Financial Planner for Retirement Planning

Because there are so many different factors to take into consideration, you might want to consider working with a financial planner to figure out your financial retirement plan. After all the “father of the 4% withdrawal rate” was a financial planner. He used what he knew to help his clients. Like him, your financial planner will use the current rules of thumb as a starting point to assist you in figuring out what some good safe withdrawal rates might be. However, they will then take into consideration all of those other personal factors that might change this rate for you in either direction.

You don’t want to follow “rules” blindly when it comes to finances. As we’ve seen since the time that the 4% withdrawal rate was the norm, things change. Even if you stay up to date with the current recommended rates, your own personal situation might change. Developing a rapport with a financial planner who truly understands your needs and wants can be a good way to implement the right rules while circumventing those that simply don’t make sense for you.

What is your retirement plan? What questions do you have about planning for retirement?

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Are Banks Open on Mother’s Day 2021?

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are banks open on mother's day 2021?

Happy Mother’s Day to all of the moms out there! We hope that you have a wonderful day filled with love, laughter, joy, and rest. Hopefully you’re not even worrying about your money today. But anytime that there’s a holiday, people might wonder what’s open and closed on that holiday. For example, you might find yourself wondering, “are banks open on Mother’s Day 2021?”

Mother’s Day Isn’t a Federal Holiday

Banks are closed on federal holidays. In fact, these holidays are also called bank holidays. Therefore, if Mother’s Day were a federal holiday, then chances are that banks would stay closed. Unfortunately, Mother’s Day is not a federal holiday.

Typically, there are ten federal holidays each year. In 2021, there happen to be 11, only because it includes New Year’s Day 2021 and New Year’s Day 2022. Federal holidays are observed on weekdays if they fall on weekends. Therefore, New Year’s Day 2022 is observed one day early this year.

In any case, Mother’s Day isn’t a federal holiday. Maybe it should be. Moms work super hard after all! But it’s not. Therefore, banks don’t close for Mother’s Day simply because it’s a holiday that many of us celebrate. But, that doesn’t necessarily mean that banks are open on Mother’s Day 2021.

Mother’s Day is a Sunday Holiday

Mother’s Day isn’t on a specific date of the year. It’s on a specific DAY of the year. It falls on the second Sunday of May. Therefore, the date might change from year to year but Mother’s Day is always on a Sunday. In 2021, Mother’s Day is on May 9th.

Although Mother’s Day isn’t a federal holiday, it’s a Sunday holiday. Therefore, banks likely won’t be open. Most banks simply don’t open on Sundays. There are exceptions, which we will get to in a moment. However, unless you happen to know that your bank is open on Sundays, chances are that your bank or credit union won’t be open on Mother’s Day because it’s not open on Sundays.

Short Answer: Are Banks Open on Mother’s Day 2021?

No, banks probably aren’t open on Mother’s Day 2021. Or on any other Mother’s Day for that matter. However, it’s not due to celebration of the holiday. Instead, it’s because Mother’s Day is on Sunday and banks usually aren’t open on Sundays.

Are Banks Open on May 10, 2021?

If Mother’s Day were a federal holiday, then banks would actually observe it on a weekday. As a result, banks would likely close on the Monday following Mother’s Day in observance of the holiday. However, since Mother’s Day is not a federal holiday, you don’t have to worry about that. Your bank should have normal hours on Monday, May 10, 2021.

Are Any Banks Open on Sundays? Will They Be Open on Mother’s Day?

There are some banks that do have limited hours on Sundays. In particular, bank branches located inside of supermarkets and large box stores may have Sunday hours. Note that these banks usually open around 10 or 11 am and close a few hours later. Therefore, you need to plan ahead to get your Sunday banking done.

Most banks that do offer Sunday hours will stay open on Mother’s Day. They don’t close that day just for the holiday. So, if you do need to get some banking done on Sunday, then you should look for one of these banks. American Savings Bank and TD Bank are two examples of banks that might have Sunday hours.

Do you ever do banking on the weekends?

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10 Reasons Why Preventive Health Checkup Saves Money

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Preventive Health Checkup Saves Money

It’s really easy to put off going to the doctor. After all, you’re rarely excited to go spend time there. Therefore, it’s easy to think of plenty of other things you would rather do. If you’re feeling healthy and well, then it’s even easier to put off those appointments. However, there are a lot of good reasons to get regular checkups with your medical professionals. A preventive health checkup saves you money. More importantly, it can save your life.

10 Reasons Preventive Health Care Saves Money

The most important reason to keep your regular doctor checkups is that it lets you catch problems when they’re still small. Therefore, you can more easily correct issues. This can be lifesaving. Preventive health screening for heart attacks, cancer, stroke, diabetes and other major diseases can save your life.

So, that’s the big reason to keep those appointments. But it’s also important to recognize that a preventive health checkup saves money in a variety of different ways.

1. Treatment Is Less Costly When Problems Are Caught Early

Catching health issues early saves both lives and money. Nearly all treatments are significantly easier, less invasive, and less costly if you catch a health problem early on. The worse the problem gets, the more it invades your body. Therefore, the harder treatment is. Thus, the more it costs. Catching problems early makes it easier to treat them. This is better for your health and it’s better for your bank account, too.

2. Developing Rapport With a Doctor Helps You Make Good Decisions

If you keep those regular appointments with the same doctor year in and year out, then you really get to know them. This allows you to develop rapport. In other words, you trust each other. Having a good working relationship with your doctor makes it easier to discuss any type of issues that arise. You’re better able to make the decisions that are right for your health. Your doctor is able to understand your varied situations, including financial concerns. The more comfortable you feel discussing all things with your doctor, the more likely it is you’ll be able to work together to improve your health while saving you money.

3. You’ll Have Time To Research Different Options

If you wait until you’re already in a lot of pain before you see a doctor, then you’re going to feel desperate for an immediate solution. As a result, you might grab the first option you’re offered, no matter the cost. In contrast, a preventive health checkup saves you money by giving you time to consider all treatment options. You’ll know in advance whether a small issue might require greater care down the road. Therefore, you can compare treatment options, shop around for better rates for some treatments, etc.

4. Chances Are You’ll Develop a Healthier Lifestyle

If you know that you’re going to see your doctor on a regular basis then you’re probably going to implement those good habits that you know they’re going to ask you about. This goes for all medical professionals including therapists and dentists. For example, when I started making dental cleaning appointments every three months instead of every six months, I became much more consistent with twice daily flossing.

How does this save money? Obviously, the healthier you are the less you’ll spend on medication and other expensive treatments. But additionally, healthy choices sometimes also save you money. For example, switching from an expensive diet of processed food, soda and takeout to one rich in fresh produce and water might reduce your grocery bill. In this way, a preventive health checkup saves money.

One of the best money-savers in preventive health care is that a lot of people take the advice to stop smoking. Reducing your vices to improve your health helps saves you money.

5. You’ll Help Keep Health Care Costs Down at Work

Research indicates that preventive healthcare improves workplace productivity. Therefore, many employers offer incentives in order to keep up your preventive health checkups and routines. Plus, if you’re someone whose health issues might prevent them from regular work, those checkups are vital in getting you back to a steady income. This, preventive health care can help you to miss less work, earn more money, and take advantage of employer health incentives.

6. You Might Get Better Health Insurance Rates

Depending on your health insurance, you might be able to receive better rates when you commit to preventive health care. After all, your health insurance company doesn’t want to pay out large sums for people who are in terrible health. Instead, they are happy to pay small sums for you to keep your health issues under control. Check with your personal health insurance to find out if preventive health care can save you money on your premiums, deductibles, and/or co-pays.

7. You Might Improve Health Insurance Rates for All

The more people who engage in better preventive health, the better off everyone in society is. The costs of supporting those who can’t work due to illness can be very high. If more people work to support preventive health measures, overall health can rise. Working together in the community has the potential to lead to better health insurance rates for larger groups, not just individuals.

8. Preventive Health Checkup Saves Money on Life Insurance

Are you looking into getting life insurance? If so then you might want to visit the doctor first. Oftentimes your health directly affects your life insurance rates. Preventive health care improves your health. Plus it can show the life insurance company that you take care of yourself. As a result, you might get better life insurance rates.

9. Better Able To Set and Meet Goals

Taking care of your health improves the rest of your life. Preventive health care, including preventive mental health care, can help you optimize your wellbeing. As a result, you’ll have the energy and drive to pursue the things that mean the most to you. As you better set and meet your goals, you can improve your financial situation. You can pay down debt and increase savings as you move that energy towards higher levels of success.

10. You Set a Healthy Stage for the Next Generation

Making preventive care a priority in your life sets an example for the next generation. In the case of prenatal care and childhood preventive care, it also directly impacts your child’s health journey. As a result, you might find that the preventive care you do now saves money for the generations that came after you in your family. More importantly, it can significantly improve their quality of life.

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How Do You Spot a Savings Club Scam

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Spot a Savings Club Scam

For every legitimate opportunity out there, there’s always going to be someone who takes advantage of it. There will always be scams. Therefore, you have to stay on the lookout to make sure that anything you get involved with is the real deal. For example, if you want to get involved with a savings club, then you need to make sure that you know how to spot a savings club scam.

What Is a Savings Club?

You’re browsing online and see an invitation to join a savings club. Sometimes they’re called giving circles. Alternatively, they may be known as a “susu” or “sousou.”

The concept is fairly simple:

  • A group of people each contribute regularly to a communal fund
  • You each take turns withdrawing money from the fund

That’s it. It’s essentially a communal savings account. Basically, this allows you to have access to large sums of money for times when you need to make big purchases. It sounds great. So how do you spot a savings club scam?

What Is a Savings Club Scam?

A savings club scam takes the basic idea of the savings club but distorts it. In this version, you’re encouraged to invite additional people to join the savings club. Moreover, they tell you that you can earn interest or withdraw more money than you put in. Obviously, if you withdraw more money than you put into savings, you run out of money. That’s why you need those new people to keep joining and adding more money to the account. In other words, a savings club scam is basically a pyramid scheme.

Tips To Spot a Savings Club Scam

Here are some of the most common tips to spot a savings club scam:

  • If someone you don’t know invites you to a savings club, be wary.
  • Any savings club that offers interest on your contributions is likely to be a scam.
  • If you are asked to recruit other people to join the club, then it’s most likely a scam.

Additional Advice To Avoid Scams

Here are some additional tips to spot a savings club scam as well as other scams that you might encounter online:

  • Search online for the name of the offer and the word “scam”. For example, if you see an offer to join a money game like The Blessing Loom, then do a search for The Blessing Loom scam. You’ll immediately see that there are many warnings against this.
  • Do a Better Business Bureau search.
  • Always read the fine print. Make sure you understand the details of what you’re getting involved with.
  • Explore comparable options. For example, look into various savings and loan options that meet the same needs as a savings club. If you find a better option, then it can help to point out whether or not the original offer is a scam.
  • Finally, if it sounds too good to be true then it probably is.
  • Only save in legit apps like the following.
AppFess and minimum:Best for:
Digit30-day free trial period. $5 per monthSetting aside automatically
Acorns$1 per monthSpare change investing.
Qapital$3 membershipLetting you set rules to automate savings.

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If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

 

Check out these helpful tools to help you save more. For investing advice, visit The Motley Fool.

Can I Make Money Minting Writing As NFTs?

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writing as NFT art

I’ve always been interested in the market value of art. Therefore, the whole NFT art craze has captured my attention recently. It’s so fascinating to think about how we place a price on art in general, let alone when the art is digital. As this marketplace grows, I’m curious to see if I could leverage my interest and my many years of experience as a writer to make money minting writing as NFTs.

What Is NFT Art?

NFTs, short for non-fungible tokens, are essentially one-of-a-kind unique digital items. You can buy, collect, trade, and sell them. NFT art, then, is an art piece that has been minted on blockchain so that a specific version of it is the unique “original” version.

For example, the owner of a Nyan Cat GIF popular forever ago minted that GIF. The GIF has been online in many places for years. Anyone can still find it and enjoy it. However, the minted version becomes the collectible official crypto art piece. You can buy and sell that one. The buyer can display it in a virtual gallery. (Yes, there are virtual galleries for NFT art.)

That sums up the very simple aspects of what an NFT is and how it relates to cryptoart. In order to fully understand, you have to get a grasp on blockchain, minting, and cryptocurrency. Here’s a good place to start learning more.

NFT Art Is (Mostly) Digital Art

Usually, NFT art is created as digital-only art. However, in some instances, it’s tied to physical objects. For example, right now there’s an NFT art sale of a 1986 Basquiat drawing. The seller has linked the sale to the option for the buyer to destroy the original physical art piece.

Obviously, this is controversial for a whole variety of reasons. It brings up questions about “what is art” and “how do we value art”. These are age-old questions in the art world, with answers that have changed over time.

What Is The Value of Art?

This concept of the value of art has long fascinated me. How do we place a value on creativity? How does an artist decide what to charge for a piece? Who gets involved in the sales and marketing of art?

And this also gets directly linked to the concept of “what is art?” Who decides what things are art and thus, which things are valuable as art pieces?

Andy Warhol is obviously an artist who embodied these questions. He himself directly posed these questions. And continued soaring sales of his work keep the questions going. If you’re interested in learning more details about art as an investment and the world of art market sales, I highly recommend Richard Polsky’s two books, “I Bought Andy Warhol” and “I Sold Andy Warhol (Too Soon).”

Digital Art and Cryptocurrency

The question of the monetary value of art, and the idea of art as an investment, is fascinating on its own. It gets even more intriguing with this new layer. After all, you don’t exactly buy a piece of digital art to hang on your wall right? (Well, maybe; people are creating digital frames that allow you to do just that.)

But then again, you don’t buy a multi-million dollar work of art to hang on your wall either. So, on the one hand, it seems radically different to only own a digital “token” of an art piece instead of the real thing. Yes, on the other hand, the rest of the world can always view reproductions of your physical Mona Lisa, and you’re probably not touching the real thing if you buy it as an investment, so how different is this really?

Then there’s that layer about cryptocurrency. It’s still such a new aspect of investing for most of us. Therefore, it can still feel like it’s not “real money.” So investing in NFT art can feel like placing a monetary value on not-quite-real art using not-quite-real money. It’s a strange, intriguing foray into a new world, though the world of art is as old as time.

Is There a Market for Writing Minted As NFTs?

I consider myself an artist expressing myself primarily through the written word. Although I have moderate interest in investing in NFT art made by others, I’m especially interested in discovering whether there’s a market for my own writing minted as NFT art.

Writing is slow to take off as NFT art. So far, most big NFT art sales are visual art pieces. The most well-known example is the Beeple collage image that recently sold through Christie’s for nearly $70 million. That said, most seem to be GIFs. In fact, they’re specifically GIFs and memes that mock the whole world that they’re a part of.

One exception was a half-million-dollar sale of a New York Times column NFT. Any of us can read the article online but now someone “owns” it.

The Vision for Minting Writing As NFT Art

Despite this, I see so much potential for writing minted as NFT art. I envision being able to sell what’s essentially the “first edition digital rights” to works. This would be comparable in a sense to collecting rare first edition signed books. You don’t buy them for the content. You buy them for the investment. Or because you absolutely love the book and author and that makes it valuable for you.

Similarly, if I mint one of my own books, anyone could still purchase or download it through Amazon and read it but only one person would own the NFT token for it. I envision digital libraries with shelves where each of us book lovers could showcase our collections of NFT writing we’ve purchased. Moreover, I think this could be a terrific way for the marketplace to support independent writers, allowing them to create art for the sake of art, rather than trying to write pure content just to monetize eyeballs. I think it would be good for the writing industry as a whole.

Where I’m at in the NFT Art Journey

So, here’s where I’m at so far:

  • I’ve begun to dive deep into the world of cryptoart.
  • Therefore, I’ve set up a Coinbase wallet. Now I’m the proud owner of some Ethers and Bitcoins. In other words, I have cryptocurrency for the first time in my life.
  • I’ve started looking into sites like Rarible and Open Sea where I might be able to mint my first writing as NFT art.
  • Importantly, I’m also looking into the issues with NFT art. One of the biggest concerns is that this stuff is all really bad for the environment right now because of the energy required to run servers for cryptocurrency and NFTs. However, there are promising leads in this area with the upcoming development of Eth 2, the launch of Palm.io and a company called NEAR.
  • I’m on the lookout for job opportunities or collaborative partnerships related to writing/creativity as NFT art.

I would absolutely love to hear your thoughts on this topic.

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If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

 

Check out these helpful tools to help you save more. For investing advice, visit The Motley Fool.