⏱️ it's never too late


Good day Reader,

Isn't it funny how it doesn't matter how old you are, you always feel like you missed it?

Personal example - I graduated college in 2002 with a degree in Computer Science. When I started in 1998, the dot com boom was already roaring.. that's kind of why I chose CS.

By 2001, the bubble collapsed and I felt like I missed it. (well, I technically did miss it)

The bubble may have burst but I didn't miss the rise of the Internet. I caught that one. There's always another wave.

(I'm showing my age by capitalizing the letter I in internet, huh? 🤣)


(View this email as a webpage)

⏱️ it's never too late

Life is long and there's always going to be another "next thing." There always is.

Many business founders don't start their business until their forties, once they've had many years of work and life experience behind them.

If you feel like you're behind or you're late, read this:

👉 It's never too late

💵 How to create an emergency plan

Despite 44% of Americans being unable to pay for a $500 emergency out of savings, we all know that an emergency fund is important... but do you have an emergency plan?

You need one 👇

👉 How to create an emergency plan

🤯 Did you know someone stole $44 billion?

Stealing a million dollars isn't cool.

You know what is?

A billion.

And what's cooler than being cool?

$44 billion!

I didn't even know that was possible... but it was.

And in Vietnam, that means the death penalty unless she returns at least 75% of it... yikes.

👉 World's biggest bank fraud

(btw, was two cultural references in one section too many references?)

What did you think of today's email?
I Loved It! 🟨 It Was Okay Not My Favorite

Take care!

Jim

PS. Are you familiar with Fetch Rewards? They give you points for scanning receipts and you convert those points to gift cards. Super simple, free, just scan. Get 2,000 points after your first scanned receipt.

(see our archive of previous emails)


You signed up for this newsletter via wallethacks.com

We respect you and your attention. If you no longer wish to get emails from us, you can unsubscribe and we will still be friends.

If you like sending gifts, we like getting them here - P.O Box 323, Fulton, MD 20759

Hi, I'm Jim Wang and I share my strategies and tactics for managing your money and enjoying more out of life.

I have been writing about money for nearly 20 years and believe that personal finance is one of those subjects that is made complicated because it benefits a select few. Our aim is to help make it easier to understand so that regular folks can use what we teach to take control of their money and build wealth.

Read more from Hi, I'm Jim Wang and I share my strategies and tactics for managing your money and enjoying more out of life.

Good morning Reader! Ahead of tax season starting in just a few days (Jan 26), the IRS has issued IP PINs for this year. If you're concerned about tax identity theft, here's how to get your PIN. Also, the Federal Reserve is set to meet next week and traders believe there's a 95% chance they keep rates the same. A small 5% chance they'll cut it by 25 basis points. As a result, we're not seeing any movement in savings and CD rates. 💲 Best Bank Rates (as of 1/20/2026): High Yield Savings - 4.31%...

Happy New Year Reader! There aren't too many tax moves you can make once it's 2026 but one thing to remember is that if you haven't maxxed out your Roth IRA, you can do so up until tax day. When you make a contribution, make sure you indicate what year it's for. If you don't, most places default to 2026. Any big plans for 2026? 💲 Best Bank Rates (as of 1/5/2026): High Yield Savings - 4.31% APY from Axos Bank Certificates of Deposit (see rates on CD Valet) Best: 4.15% from TPO Bank (6mo) 3...

Happy New Year Reader! Did you do anything fun for New Year's Eve? We took a trip to the Dominican Republic and flew back the day after the U.S. military captured Maduro in Venezuela. All flights from Puerto Rico were suspended but we managed to make it out despite being just one island over. Some people are still stranded there because there just aren't enough flights. Happy New Year! 💲 Best Bank Rates (as of 1/5/2026): High Yield Savings - 4.31% APY from Axos Bank Certificates of Deposit...