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Avatar for SamSam

Hey, I’m Sam. I created Smarter and Harder to explore big ideas, both old and new, about building a better life. My mission is to evolve the conversation about personal growth and have fun doing it.

4 Ways to Develop Personal Accountability for More Reliable Progress

March 22, 2023January 17, 2023 by Sam
two women in business suits having meeting

You show up on time at work or school, meet your deadlines, and generally stay on top of your work most of the time, even when you’d rather be doing anything else. So why does …

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Categories Personal Development

The Ins, Outs, and All-Arounds of US Savings Bonds

January 10, 2023 by Sam
one thousand dollar US savings bonds

Although they wax and wane in popularity over the years, bonds remain a core portfolio component for many investors. In particular, US savings bonds combine the stability of a fixed-income investment with the confidence of …

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Categories Money

IRA Basics: A Simple Guide to Your Traditional or Roth IRA

January 26, 2023January 5, 2023 by Sam
IRA umbrella shielding yellow paper person and cash

The Individual Retirement Account, or IRA, rivals its cousin, the 401(k), as one of the most effective ways for an everyday investor to build wealth. However, wading through the sludge of terminology, rules, numbers, and …

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Categories Money

Work Now, Earn Forever: The Power of Residual Income

December 20, 2022 by Sam
hands exchanging cash over desk

A bi-weekly paycheck for two more weeks at your job is always a welcome sight, but what if you could get the same result without putting in a fresh 40+ hours each time? Money that …

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Categories Money

The 10,000 Hours Rule: Fact, Fiction, or Something in Between?

December 19, 2022 by Sam
musician practicing with guitar laptop and microphone

They say that practice makes perfect, but is there such a thing as a perfect amount of practice? According to countless life coaches, social media personalities, and other believers in the so-called “10,000 hours rule,” …

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Categories Learning and Growth

Buyer’s Remorse: Where It Comes From and How to Send It Back

December 6, 2022 by Sam
unhappy couple on couch feeling buyer's remorse

Regrets are inevitable in life, and sometimes it feels like that goes double for money regrets. Buyer’s remorse, that itching feeling that you bought something you shouldn’t have, finds us all eventually. And when it …

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Categories Money Mindset

How Many Credit Cards Should You Have in Your Wallet?

November 10, 2022 by Sam
stack of credit cards on wooden table

Folk wisdom on credit cards ranges from “stay away from them” to “sign up for as many as you can, as early as you can.” With this level of cultural consensus, it becomes a daunting …

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Categories Money

Using Opportunity Cost to Make Better Long-Term Decisions

November 2, 2022 by Sam
woman making decision yellow arrows left and right

The last few years of instability in the market and economy at large may have you sitting out growth investing opportunities out of caution. However, historical guidance indicates the opportunity cost of waiting on the …

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Categories Money Mindset

Fun, Low-Cost Things To Do in Each of the New England States

November 1, 2022 by Sam
white lighthouse on island in New England

New England, the northeasternmost region of the United States, brims with history, culture, and natural beauty. Though outsiders often regard New England as a single, homogenous region, each of the six New England states offers …

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Categories Money

Upcycle Your Way to Thrifty Creativity and a Healthier Environment

November 1, 2022 by Sam
upcycling sign resting on denim fabric

“Upcycle” is a term you’re likely to hear from that one extremely eco-friendly person in your life (in between them discussing carbon footprints and showing off their new biodegradable shoes). Yet as common as the …

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Categories Money Mindset
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