Miguel Graf

Engineer your Future. Amplify your wealth. Live your way.

Investing Mindset

Oct 15, 2026

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4 min read

You don't need another life hack

I lost 90% of my net worth chasing a shortcut. Here's what I do instead.

Miguel Graf

Investor Behavior

Oct 1, 2026

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4 min read

A monthly salary is an addiction

What a payroll error taught me about dependence, and 3 rules for weaning off a paycheck without quitting your job.

Miguel Graf

Compounding

Sep 17, 2026

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5 min read

Net worth is a vanity metric

Three days in Cancun, six talks, one goal

Miguel Graf

Line of Credit

Buy term and invest the difference is a half-baked plan

Sep 3, 2026

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4 min read

Buy term and invest the difference is a half-baked plan

I've spent over 15 years in insurance and can tell you that this advice leaves 9 in 10 without a plan.

Miguel Graf

Debt Payoff

The avalanche method optimizes the wrong number

Aug 20, 2026

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3 min read

The avalanche method optimizes the wrong number

Paying off debt is not just about the headline interest rate

Miguel Graf

Line of Credit

Aug 6, 2026

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3 min read

Why I borrow at 10% to earn 8%

Most investing advice seems obvious at first, but when you look deeper, it might not be what it seems.

Miguel Graf

Compounding

Jul 23, 2026

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3 min read

Rich Dad got one thing wrong

Move your dollars, not yourself

Miguel Graf

Debt Payoff

What happens to the $100k I just freed up

Jul 16, 2026

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2 min read

What happens to the $100k I just freed up

Paying off the debt was step one. Step two was already decided

Miguel Graf

Jul 9, 2026

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2 min read

Almost $100 thousand in debt paid off

This is how I paid off debt from a failed business investment

Miguel Graf

Jul 6, 2026

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1 min read

We're live - join today

Our Circle Community is live and you are invited

Miguel Graf

Scar Wealth is now Amplifica Wealth and I'm not doing this alone anymore

Jul 2, 2026

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3 min read

Scar Wealth is now Amplifica Wealth and I'm not doing this alone anymore

We are emphasizing the scars less and moving towards amplification of your wealth

Miguel Graf

Financial Freedom

Budget on your worst month, not your best

Jun 25, 2026

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2 min read

Budget on your worst month, not your best

The number to plan your life around isn't your salary. Plus, something changes here in 2 weeks.

Miguel Graf

Stocks

Jun 18, 2026

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4 min read

SpaceX IPO, or the art of gambling

What I do instead

Miguel Graf

Financial Freedom

Jun 11, 2026

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2 min read

Dreaming big or dreaming small?

Dream your dream, pursue it relentlessly and iterate

Miguel Graf

Investing

Jun 4, 2026

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3 min read

What I check on Mondays

Living stress-free on all other 6 days

Miguel Graf

Money

Why your finances determine what you value

May 28, 2026

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3 min read

Why your finances determine what you value

Flipping the old adage "time is money" to "money is time".

Miguel Graf

Paycheck Risk

May 21, 2026

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4 min read

When the paycheck is the risky asset

Three things have to be true before I sleep on a position. My day job passes none of them.

Miguel Graf

Digital Credit

May 14, 2026

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2 min read

$40,000 every ~4 months

The system that lets me sleep at night also gives me renewable firepower

Miguel Graf

Digital Credit

How I turned one stock into an amortized loan

May 7, 2026

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3 min read

How I turned one stock into an amortized loan

No hassle and fully customizable, use this single position to design your desired monthly payout

Miguel Graf

Digital Credit

Apr 30, 2026

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3 min read

20% tax free returns

How I set my minimum return rate

Miguel Graf

Bitcoin

Apr 23, 2026

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3 min read

Cash that pays 11% in dividends

Use inflation to your advantage

Miguel Graf

Apr 16, 2026

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3 min read

Why 401(k) "free money" is a trap

I walked away from a 6% match and never looked back

Miguel Graf

Apr 9, 2026

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3 min read

Building my personal bank

Controlling your access to capital

Miguel Graf

Bitcoin

Apr 2, 2026

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2 min read

What losing $3m taught me

The principles that help me sleep at night

Miguel Graf