Opher Ganel
Consultant | physicist | writer |financial strategist | avid reader
Finance Topics I Write About
- Budgeting
- Buying a House
- Coaching
- Credit Cards
- Emergency Savings
- Family and Money
- Financial Life Planning
- Getting out of Debt
- Money Psychology
- Business Owners
- Prioritizing Money
- Real Estate Investing
- Retiring Early (F.I.R.E)
- Saving
- Saving for College
- Taxes
About Opher Ganel
Hi. If you're here, you probably want to know a bit about who I am, what I write about, and what you can expect from me. Right? Well, since you asked so nicely... I'm unique... (just like everyone else).I'm a consultant, scientist, instrument systems engineer, entrepreneur, financial strategist, professional writer, amateur photographer and artist, insanely avid reader (I've been known to finish 3 books a week), traveler (I've lived on 3 continents and at least set foot on each of the other 4, including Antarctica, and adopter of rescue dogs.
What I Write About
When I moved to the US 30 years ago, I owed more than I owned, and supporting a young family with two toddlers on a $31k salary was hard. My journey from that humble starting point to where I am today taught me many lessons that I'm happy to share.
As part of my Financial Strategy business, I write incessantly about personal and small-business finance on Medium as well as on my own blog, Wealthtender, TherapyNotes, BareMetrics, MSN, and more.
What You Can Expect from My Writing
Expect clear, easy-to-understand, no-nonsense, often contrarian, sometimes humorous viewpoints on financial matters that affect your everyday life and your plans for a better future.
Primary Location
Baltimore, MD, USA
Compensation Methods
- Check
- PayPal
Education
The Hebrew University of Jerusalem | Weizmann Institute of Science
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Consistently timely and relevant
Opher Ganel has a brilliant natural talent in several areas. His articles are always well constructed, and he has a way of going deep on a subject while maintaining the breadth to appeal to all audiences. Extremely smart and surprisingly equally accessible and humble.
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InvestingHow to Make Your Kid Wealthy with Small Gifts: The $250-a-Month Plan
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Money ManagementShould You Retire Early? The Financial and Life Questions to Plan For
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Banking and CreditCFPB 2019 Student Loan Report: Complaints and Debt Relief Scams
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Money ManagementWhat’s Your Best Way to Pay Off Debt? Avalanche vs. Snowball Explained
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InsightsWhy “Free” Isn’t Always So Great: The Hidden Cost of Giveaways
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Money ManagementPay Off Your Mortgage Early or Invest the Difference? The Math Says Wait
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Money ManagementWhat Is Your Time Really Worth? How to Calculate Your Real Hourly Rate
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Money ManagementWhich States Are Really Best at Managing Money? A Credit Card Debt Test
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Money ManagementHow the SECURE Act Hurts IRA Heirs (and What You Can Do About It)
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Money ManagementHow a Side Hustle Lets You Reach FIRE Faster (and How Much You Need)
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Money ManagementHow Much Should Your Emergency Fund Be? Find Your “Perfect Fit” Number
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Money ManagementHow Much Do You Need to Retire? Probably Less Than You Think
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Banking and CreditShould You Prepay Your Mortgage? Why It’s Almost Always a Bad Idea
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Banking and Credit Insights Money ManagementQuick Budget Hack: Figure Out What You Spent Last Year in 4 Simple Steps
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InsightsA Capitalist’s Case for Fixing US Capitalism: Tax Gains, Not Wealth
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Money ManagementThe True Meaning of FIRE: What Financial Independence Should Mean to You
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InvestingHow Much Should You Save to Retire Comfortably? Why 10% Falls Short
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Banking and CreditThe Real Costs of Credit Card Debt Go Far Beyond Interest
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Money ManagementThe WSJ Retirement Calculator Is Useful. Here’s How to Fix Its Flaws
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Money ManagementIs Eating Out Cheaper Than Cooking at Home? It Depends on Your Time
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Money ManagementYes, Money Can Buy Happiness (Up to a Point): What the Research Shows
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InvestingWhy You Should Consider Real Estate Investing (and When to Avoid It)
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Money ManagementHow to Make Your Pursuit of FIRE Sustainable (Without Being Miserable)
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Money ManagementGo Ahead and Buy It, It’s OK: When to Buy Things You Don’t Need
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Banking and CreditMortgage Refi? Use This Insider Trick to Quickly Boost Your Credit Score
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InvestingLow Inflation Helps Your (Taxable) Portfolio: Why Phantom Gains Cost You
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Money ManagementIs PMI Legal Theft? How to Avoid Private Mortgage Insurance
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Money ManagementFreelancer or Contractor? How to Charge Enough to Look Out for Yourself
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Money ManagementHow to Maximize Your Spouse’s Social Security Spousal and Survivor Benefits
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Banking and CreditDon’t Get Taken by the “Mortgage Accelerator” Biweekly Payment Scam
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Money Management3 Pro Tips to Free Up Money and Reach Financial Independence Early
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OtherThe 7 Biggest Retirement Risks and How to Safeguard Your Plan
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InsightsMake Money by Making a Difference: Affordable Financial Advice Courses
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Banking and CreditWhen Interest-Free Offers Aren’t: The Hidden Cost of Convenience Checks
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Money ManagementHow You’re Taxed on Money You Don’t Earn: Mutual Funds and Inflation
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Money ManagementCan’t Afford Every Financial Goal at Once? How to Prioritize Your Money
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InvestingHow the Opportunity Cost of Spending Shrinks as You Near Retirement
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Investing3 Ways Investing in Mutual Funds Can Cost You a Lot (and How to Avoid Them)
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Money ManagementUse a 529 Plan to Save for College and Save Thousands in Taxes
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Money ManagementThe 4 Pillars of Healthy-Couple Money and 10 Steps to Build Them
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InsightsWhy Retiring Can Be Dangerous (and What to Plan for Instead)
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Money ManagementHow to Shock-Proof Your Retirement Plan (Once You Have One)
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Money ManagementHow to Price Freelance or Consulting Services: Hourly, Project and Value
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Insights Money ManagementHow Soon Can You Reach FIRE? A Grid by Savings Rate and Retirement Income
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InvestingThe Stock Market Can Be Less Risky Than Cash Over the Long Run
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Insights Money ManagementHow 1% Changes Can Make a Massive Difference in Your Financial Life