# Money by SVDSN

> Smart Personal Finance for Every Stage of Life.


## Posts

- [I Spent $660 on Meta Ads and Booked 32 Consultations for My Med Spa—Here's How](https://money.svdsn.com/i-spent-660-on-meta-ads-med-spa-consultation/): Most med spa owners are throwing money at aggregators and cold ads. There's a better way—and it costs less than you think.
- [The IRA Trap Most 42-Year-Olds Don't See Until It's Too Late](https://money.svdsn.com/the-ira-trap-most-42-year-olds-dont-see-until-its-too-late/): I checked my IRA balance last Tuesday at 11:47 PM.
- [Designing a Retirement That Feels Like Freedom, Not Frugality](https://money.svdsn.com/designing-a-retirement-that-feels-like-freedom-not-frugality/): Stop planning a retirement built on restriction. Learn how to design a fulfilling, financially confident retirement lifestyle — on your own terms.
- [Perspective: Revisiting America’s Love-Hate Relationship with Wealth](https://money.svdsn.com/perspective-revisiting-americas-love-hate-relationship-with-wealth/): In 2011, J.D. Roth penned a piece for TIME titled America’s Love-Hate Relationship with Wealth, capturing a nation divided by the "Occupy Wall Street" movement.
- [Women: Risk Averse or Risk Appropriate Investors?](https://money.svdsn.com/women-risk-averse-or-risk-appropriate-investors/): The article from CNBC explores why women often achieve better long-term investment returns than men, particularly during periods of market volatility.
- [Retirement Planning in 2026: What High Earners Should Expect](https://money.svdsn.com/retirement-planning-in-2026-what-high-earners-should-expect/): If you've spent years building a solid income, you've probably learned that the tax code rarely makes saving easier as you earn more.
- [Smart Saving Habits for a Strong Retirement Portfolio](https://money.svdsn.com/smart-saving-habits-for-a-strong-retirement-portfolio/): A strong retirement portfolio isn’t about being wealthy today. It’s about being consistent, intentional, and strategic with the money you do have. Smart Saving Habits for a Strong Retirement Portfolio-written specifically for people in their 20s, 30s, and early 40s. It’s practical, motivating, and grounded in long‑term thinking—without sounding like a lecture.
- [The Psychology of Saving: Why Consistency Beats Market Timing](https://money.svdsn.com/psychology-of-saving-why-consistency-beats-market-timing/): Many in their 20s to early 40s think wealth comes from timing investments, but consistency is more effective. Emotional reactions to market fluctuations often lead to poor decisions. Dollar-cost averaging enables regular investing without stress, fostering momentum and a positive identity as an investor. Starting early is crucial, as compounding returns greatly benefit from time. Ultimately, a consistent investment strategy outperforms market timing, building wealth steadily over the long term.

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