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href="littleseedsofwealth.com/wp-content/uploads/2019/03/blog-logo_fit-32-32-ssl-1.png" sizes="32x32"/><link rel="icon" href="littleseedsofwealth.com/wp-content/uploads/2019/03/blog-logo_fit-192-192-ssl-1.png" sizes="192x192"/><link rel="apple-touch-icon-precomposed" href="littleseedsofwealth.com/wp-content/uploads/2019/03/blog-logo_fit-180-180-ssl-1.png"/><meta name="msapplication-TileImage" content="https://i1.wp.com/littleseedsofwealth.com/wp-content/uploads/2019/03/blog-logo.png?fit=270%2C270&ssl=1"/></head><body class="home blog"> <a class="skip-link screen-reader-text" href="#content">Skip to content</a> <div id="page" class="hfeed site"> <header id="masthead" class="site-header clearfix" role="banner"> <div class="header-main container clearfix"> <div id="logo" class="site-branding clearfix"> <h1 class="site-title"><a href="/" rel="home">Little Seeds of Wealth</a></h1> <p class="site-description">Find Happiness, Live Frugally and Build Wealth as a Millennial</p> </div><!-- .site-branding --> </div><!-- .header-main --><div id="main-navigation-wrap" class="primary-navigation-wrap"> <nav id="main-navigation" class="primary-navigation navigation container clearfix" role="navigation"> <ul id="menu-main-navigation" class="main-navigation-menu menu"><li class="page_item page-item-2"><a href="/">About</a></li><li class="page_item page-item-5"><a href="/">Contact Me</a></li></ul> </nav><!-- #main-navigation --></div> </header><!-- #masthead --> <div id="content" class="site-content container"> <section id="primary" class="content-archive content-area"> <main id="main" class="site-main" role="main"> <div class="post-wrapper"><article id="post-344" class="post-344 post type-post status-publish format-standard hentry category-financial-stress tag-financial-stress tag-recession"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">Getting ready for the next recession: A Millennial perspective</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="7:30 am" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-27T07:30:28-08:00">March 27, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Financial Stress</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>We’ve heard warnings about a coming recession throughout 2018. However, the threat only became clearer last Friday with the yield curve inverted, sending chills to financial markets. Economists have long used the direction of the</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-296" class="post-296 post type-post status-publish format-standard hentry category-frugal-living tag-car-ownership tag-frugal tag-wellbeing"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">Living car-free to save money and reduce stress</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="7:00 am" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-24T07:00:36-08:00">March 24, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Frugal Living</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>I’ve never had a car since graduating from college although I’ve always lived in the suburbs. To many people’s surprise, this saves me money, frees me from extra worry and lets me enjoy life more.</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-290" class="post-290 post type-post status-publish format-standard hentry category-investing tag-financial-independence tag-habit"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">How to jump start the investing habit</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="8:06 am" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-20T08:06:03-08:00">March 20, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Investing</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>One of the most interesting revelations I learned from reading “The Millionnaire Next Door” was good net worth accumulators spend more time planning their investments than others. Unfortunately, for most of us investing is never</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-277" class="post-277 post type-post status-publish format-standard hentry category-frugal-living category-investing category-relationship-money tag-frugal tag-investing tag-resource"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">Book Review: The Dumb Things Smart People Do With Their Money</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="3:14 pm" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-14T15:14:57-08:00">March 14, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Frugal Living</a>, <a href="/" rel="category tag">Investing</a>, <a href="/" rel="category tag">Relationship with Money</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>Want a funny personal finance page-turner? While even the best finance books can occasionally bore the heck out of your mind with facts and strategies, Jill Schlesinger’s latest book is not. If you are ready</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-266" class="post-266 post type-post status-publish format-standard hentry category-frugal-living tag-credit-cards tag-tips"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">Things I wish I knew about credit cards in my early 20s</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="2:12 pm" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-12T14:12:18-08:00">March 12, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Frugal Living</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>Credit cards, you love it or you hate it. There will always be people talking about credit cards like evil while others can’t stop bragging about the amazing rewards they got from their cards. I</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-239" class="post-239 post type-post status-publish format-standard hentry category-frugal-living tag-frugal tag-resource tag-savings"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">The most underrated FREE entertainment: Your library</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="7:47 am" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-10T07:47:11-08:00">March 10, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Frugal Living</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>Want to find a way to stop buying books and magazines, subscribing to more Netflix-like services and paying for Audible? Until recently, I have always thought that’s not possible. Then one day when I returned</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-249" class="post-249 post type-post status-publish format-standard hentry category-financial-stress"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="the-privilege-of-financial-independence/" rel="bookmark">The privilege of Financial Independence on #InternationalWomensDay2019</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="the-privilege-of-financial-independence/" title="8:30 am" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-08T08:30:38-08:00">March 8, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Financial Stress</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>I don’t usually post on Fridays but today is one special day to celebrate the accomplishments and hard work of women around the world. Here’s a guest post by Robyn from A Dime Saved. I’m</p> <a href="the-privilege-of-financial-independence/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-198" class="post-198 post type-post status-publish format-standard hentry category-financial-stress category-investing tag-achievements tag-investing tag-jealousy"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">If I’m not Top 30 under 30 yet, am I going to be fine?</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="12:20 pm" rel="bookmark"><time class="entry-date published updated" datetime="2019-03-05T12:20:39-08:00">March 5, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Financial Stress</a>, <a href="/" rel="category tag">Investing</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>Jealousy has a weird way of getting to us. In many ways, I consider myself extremely lucky. My parents made sure I went to good schools. I earned scholarships to attend both college and graduate</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-187" class="post-187 post type-post status-publish format-standard hentry category-investing tag-diversification tag-investing tag-warren-buffett"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">What does “never lose money” mean exactly?</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="12:38 pm" rel="bookmark"><time class="entry-date published updated" datetime="2019-02-27T12:38:46-08:00">February 27, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Investing</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>One of Warren Buffett’s mottos is “never lose money”. Buffett famously argues for investing in blue-chip, value companies which he believes will maintain an edge over competitors over the next few decades. The meaning of</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article><article id="post-162" class="post-162 post type-post status-publish format-standard hentry category-frugal-living category-relationship-money tag-health tag-savings tag-tips tag-wellbeing"> <div class="post-content"> <header class="entry-header"> <h2 class="entry-title"><a href="/" rel="bookmark">On food and finance: Does eating meat spark joy for you and your wallet?</a></h2> <div class="entry-meta"><span class="meta-date"><svg class="icon icon-time" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#time"></use> </svg><a href="/" title="4:47 pm" rel="bookmark"><time class="entry-date published updated" datetime="2019-02-25T16:47:15-08:00">February 25, 2019</time></a></span><span class="meta-author"> <svg class="icon icon-user" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#user"></use> </svg><span class="author vcard"><a class="url fn n" href="/" title="View all posts by admin" rel="author">admin</a></span></span><span class="meta-category"> <svg class="icon icon-category" aria-hidden="true" role="img"> <use xlink:href="https://littleseedsofwealth.com/wp-content/themes/mercia/assets/icons/genericons-neue.svg#category"></use> </svg><a href="/" rel="category tag">Frugal Living</a>, <a href="/" rel="category tag">Relationship with Money</a></span></div> </header><!-- .entry-header --> <div class="entry-content entry-excerpt clearfix"> <p>The idea of organizing one’s lifestyle using Marie Kondo’s principles is spreading like fire on the Internet. Basically, you need to learn what’s essential and only keep things that make you happy. Sometimes this involves</p> <a href="/" class="more-link">Continue reading</a> </div><!-- .entry-content --> </div></article></div> <nav class="navigation pagination" role="navigation"> <h2 class="screen-reader-text">Posts navigation</h2> <div class="nav-links"><span aria-current="page" class="page-numbers current">1</span><a class="page-numbers" href="page/2/">2</a><a class="next page-numbers" href="page/2/"><span class="screen-reader-text">Next Posts</span>»</a></div> </nav> </main><!-- #main --> </section><!-- #primary --> <section id="secondary" class="sidebar widget-area clearfix" role="complementary"> <section id="media_image-2" class="widget widget_media_image"><a href="/"><img width="300" height="300" src="littleseedsofwealth.com/wp-content/uploads/2019/03/blog-logo_fit-300-300-ssl-1.png" class="image wp-image-201 attachment-medium size-medium" alt="multiple seeds and one plant" style="max-width: 100%; height: auto;" sizes="(max-width: 300px) 100vw, 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