PinnedRethinking Personal Finance: A Systems ApproachIn the landscape of personal finance, a common grievance I have is the narrow focus of the industry — often homing in exclusively on investments and insurance for a privileged few who already hold the lion’s share of wealth. …Financial Planning2 min readFinancial Planning2 min read
Apr 24Why a Financial Advisor is Going to MITMy name is Chudi and I have a BS in Mechanical Engineering from the University of Virginia, MS in Mechanical Engineering from Drexel University, and MS in Systems Engineering from the George Washington University alum. …MIT3 min readMIT3 min read
Mar 27How Much Does it Cost to Be You: A Journey to Financial IndependenceIntroduction Have you ever stopped to think about how much it actually costs to be you? Many of us go through life making purchases and paying bills without ever truly understanding the impact of our spending habits on our financial health. This lack of awareness can keep us trapped in…Financial Planning3 min readFinancial Planning3 min read
Mar 15The Million-Dollar Myth: Why Earning vs. Net Worth Can Be MisleadingIt’s a strange phenomenon, isn’t it? On one hand, we have a seemingly high number of people who make $1 million dollars a year. On the other hand, we have a much smaller percentage of people who actually have a net worth of 1 million dollars or more. …Systems Thinking2 min readSystems Thinking2 min read
Mar 10Money Money Money: Credit Score and CashflowAs a systems thinking financial advisor, I often stress the importance of understanding how different aspects of your financial life are interconnected. One area that many people overlook is the impact that your credit score can have on your monthly cash flow, and ultimately your ability to reach financial independence. …Financial Planning3 min readFinancial Planning3 min read
Feb 27A Systems View on Personal FinanceFrom cranking gears to cranking out returns, my journey as an engineer to data scientist to financial advisor has been a wild ride. I first learned about systems thinking through an elective course while studying for my master’s in mechanical engineering at Drexel University. …Money3 min readMoney3 min read
Feb 15‘Merica and Income TaxesCot damn taxes! The one thing we can all agree on — nobody likes them. But, they are a necessary evil in life, like doing the dishes or watching an entire season of a show just because you’re too invested to stop now. So, let’s talk about US tax rates…Taxes2 min readTaxes2 min read
Jan 24Why Slaving Away at a 9–5 is the Opposite of Financial FreedomWhen it comes to achieving financial freedom, there are two types of income that you should be aware of: active income and passive income. Active income, also known as earned income, is the income that you earn by trading your time for money. This includes your salary, wages, and tips…Financial Freedom2 min readFinancial Freedom2 min read
Dec 26, 2022The Prequel to My Passive Income PlanHow I am going to keep my ass off the plantation!!!! It took a lot to get me here. Here is a place where I only eat what I kill when it comes to income. Here is also where every vehicle I own is available to rent on Turo. …Financial Freedom3 min readFinancial Freedom3 min read
Jun 20, 2021My Personal Finance Philosophy (Kinda)What happened??? I quit my job many times in my head and even sent in a resignation letter in 2017 before they advised me to walk it back. Then 2019 happened. I came back after being “hurt” during a deployment (I am in the US Army Reserves) in Afghanistan just…Financial Planning3 min readFinancial Planning3 min read
