Smart, independent insights to help you make better money decisions.
I’m R.J. Weiss, CFP®. At The Ways To Wealth, we share clear, unbiased guidance to help you earn, save, and grow your money confidently.
R.J. Weiss, CFP®
Founder, The Ways To Wealth
Serving readers since 2016
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View My WalletExplore the smarter side of money.
Honest reviews and practical advice to help you make smarter financial decisions.
Real Money, Real Life
Personal essays and real-world case studies drawn from my own financial decisions, covering the wins, the mistakes, and the tradeoff behind them.
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Using Points for Family Travel: 2025 Award Recap ($51,000 in Value, 7 Trips)
This is my second annual travel rewards recap. (Here’s my 2024 reward travel recap if you want to start there.)
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I Made $3,970 in My First Month of Facebook Content Monetization
On December 17, 2025, I was accepted into Facebook’s Content Monetization program. That first day, it generated $12.92. As I
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What I Learned From Buying Tesla Stock in 2012 (And Why Most Investors Struggle)
Buying Tesla early wasn’t the hard part. Holding it was. This reflection breaks down what owning a volatile stock actually feels like, why most investors sell too soon, and how behavior, not intelligence, determines long-term results.
Latest Articles and Updates
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Unlock vs. Hometap: Comparing Flexibility, Costs, and Exit Options
Hometap favors short-term exits with lower early costs, while Unlock offers more flexibility over time through partial buyouts and fixed percentages. The better option depends on how long you plan to hold.
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Point vs. Unlock: Costs, Structure, and Key Trade-Offs
Point’s pricing depends on how much your home grows above a discounted baseline, while Unlock locks in a fixed share of future value. The better option depends on timing and exit plans.
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Unison Review Home Equity Loan Review: Better Than a HELOC?
Unison offers an alternative to refinancing by pairing interest-only payments with equity sharing. The structure favors disciplined borrowers who want liquidity without disturbing a low-rate first mortgage.
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5 Best Home Equity Agreement Companies Compared: Costs & Trade-Offs
Home equity agreements offer cash with no monthly payments, but the long-term cost varies widely. Here’s how the top providers really compare.
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Unlock Review: In-Depth Analysis & User Experiences
Unlock gives you cash now in exchange for a chunk of your home’s future value. No monthly payments sounds great until you realize you might owe way more than you borrowed if your house appreciates.
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Uphold Referral Bonus: Earn $20 in Bitcoin
Uphold is a crypto trading platform that supports more than 300 digital assets. Right now, new users can earn $20
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Point Home Equity Investment Review: How it Works Pros & Cons
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