
Dan Nicholson
Dan Nicholson is the author of “Rigging the Game: How to Achieve Financial Certainty, Navigate Risk and Make Money on Your Own Terms,” deemed a best-seller by USA Today and The Wall Street Journal.
In addition to founding the award-winning accounting and financial consulting firm Nth Degree CPAs, Dan has created and run multiple small businesses, including Certainty U and the Certified Certainty Advisor program, a 20-week live masterclass that provides entrepreneurs and small business owners practical and effective processes to achieve financial certainty.
Dan also hosts the Rigging the Game podcast, a resource for entrepreneurs who want unconventional tips to win at business and is a Consulting Producer for PBS’ Opportunity Knocks. He lives in Seattle with his wife and two children.
Articles
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From Fired to Founder: How Tech Layoffs are Driving a Startup Boom
Once regarded as the most recession-proof industry, tech is witnessing a large amount of layoffs this year.
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The Hidden Danger: What You Need to Know About Rising Insurance Rates
Among the many challenges in today’s economic landscape, a quiet but significant issue is affecting household finances nationwide.
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Closer Over More: How Merriam-Webster’s Word of the Year Echoes ‘Rigging the Game's' Message
Celebrating Authenticity in 2023: Merriam-Webster's Choice Highlights the Importance of True Self and Integrity.
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Sam is Back: Inside Sam Altman’s Return to OpenAI
Sam Altman has returned to his role as CEO of OpenAI, after a tumultuous week for the influential tech company.
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Employers Play a Key Role In Student Loan Repayments
After a three-year pause due to the COVID-19 pandemic and a struggling economy, federal student loan bills are due once again.
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What Holiday Sales Can Teach Us About Plus Minus Shopping in Business
As the holiday season approaches, so do two titans of American consumerism: Black Friday and Cyber Monday.
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Microsoft Challenges IRS Over $28.9 Billion Tax Bill Linked to Puerto Rico Operations
Microsoft is currently engaged in a significant legal battle with the Internal Revenue Service (IRS).
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Transitioning Coal Miners to Clean Energy Roles
Sparkz Inc. and the United Mine Workers of America (UAW) are joining forces in West Virginia to provide new job opportunities for former coal miners.
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Attention Small Business Owners: You’re Probably Overpaying on Your Taxes
Benchmarking your accountant can help you pay less in taxes and help fund your longer-term goals.
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Meta Platforms' Q3 Earnings and What It Means for the Tech Ecosystem
Meta Platforms Inc. (previously Facebook) posted robust Q3 earnings surpassing analysts’ expectations.
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The Credit Card Competition Act: A Deep Dive into Its Implications
The financial landscape is on the brink of a significant shift with the introduction of the Credit Card Competition Act.

Rising Bond Yields and Their Impact on U.S. Consumers
Recent data shows significant shifts with implications for consumers, especially in areas like mortgage rates and consumer debt.

Rite Aid's Bankruptcy: Opioid Lawsuits, Restructuring, and the Road Ahead
Rite Aid filed for bankruptcy on October 16, 2023, a result of escalating debt, dwindling sales, and an onslaught of opioid-related lawsuits.
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Evaluating Opportunity Cost
Every decision we make, every path we choose to pursue, and every action we commit our resources to comes with a cost.
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Mastering Clarity in Resource Allocation
Life is a balance between possibilities and limitations, where ambition and constraint are constantly at play.
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Understanding Scarcity of Resources: Time, Money, and Energy
To truly leverage our resources, we must understand their infinite trade-offs and the crucial role they play in shaping our lives and businesses.
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Embracing Infinite Trade-offs in Decision Making
Choosing one path implies giving up an infinite number of alternative paths.
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Recognizing and Addressing Stress Signals in Your Life
Recognizing and addressing stress signals is paramount to maintaining a healthy and productive lifestyle.
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Understanding Your Personal Cognitive Load
Navigating through life we encounter an array of decisions and tasks that cumulatively build our cognitive load.
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Keeping Momentum: The Hidden Costs of Binary Thinking in Business
The word "momentum" has its roots in physics, where it is defined as mass times velocity.
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How to Identify and Reduce Cognitive Burden in Your Business
From determining the right strategy for growth to handling day-to-day operations, the cognitive burden on modern business leaders is immense.
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Shift4 and Amazon Team up to Revolutionize Stadium Shopping
Shift4 Payments and Amazon are unveiling a collaboration in the world of stadium commerce with a partnership that aims to transform the way fans shop.
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Preference vs Binary: Understanding the Role of Desires in Decision Making
By acknowledging and understanding the multifaceted nature of our desires, we can make more informed decisions that better resonate with who we are.
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The U.S. Stock Market Grapples with "Extreme Fear"
The tumultuous seas of the stock market, historically influenced by multifaceted factors, have again been stirred, and "extreme fear" grips the U.S.
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The Trap of Binary Thinking in Business and Finance
In the face of complex decisions, we may feel tempted to distill these complexities into binary choices to make our decisions more manageable.
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Unprecedented Movements in Copper Markets
Anomalies in the copper market have raised eyebrows, with some speculating it as an early indication of potential economic turbulence.
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Cognitive Burden in Business Decision-Making
Cognitive burden, or cognitive load, refers to the mental effort required to process information and make decisions.
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Avoiding the Pitfall of Loss Aversion in Defining Success and Failure
Our perception of success and failure is often warped by a psychological phenomenon known as loss aversion.
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The two oreo principle: A tool to bring you closer to what you want
This principle, which I've termed the Two Oreo Principle, is a playful way to think about the compound interest of small financial decisions.
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The Power of Restraint: Insights from Dr. Jeff Spencer
The context for restraint is particularly applicable when an individual or organization has experienced a moment of peak performance.
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The Misconceptions of Revenue Growth: Understanding the Cash Position Dilemma
Achieving a certain level of revenue growth is a significant milestone. However, the reality of revenue growth isn't as simple as it may appear.
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Cisco's Splunk Acquisition: A Precursor to a Tech M&A Boom?
The tech Mergers and Acquisitions (M&A) scene recently witnessed a colossal deal with Cisco's staggering $28 billion buyout of Splunk.
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The Anxiety of Clarity: How Defining What You Want Can Create Anxiety and How to Handle It
Clarity is an essential tool for setting meaningful goals and defining paths to achieve them. However, the clearer our vision becomes, the more...
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New Tax Rules Target Ticket Resellers
2023 has been monumental for the ticket resale market, especially in the United States...
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SEC Revamps "Names Rule" to Counter Misleading Fund Names
The Securities and Exchange Commission (SEC) has announced substantial amendments to the Investment Company Act “Names Rule".
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The Looming Crisis in Home Insurance
The iconic American dream of homeownership is at risk, but not in ways one might typically expect.
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Disney's Ambitious $60 Billion Game Plan
Disney’s announcement that it will spend $60 billion on its resorts, cruise ships, and hotels over the next decade is more than just a revelation.
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Remote Work: The Green Potential and its Caveats
As more businesses embrace the remote work model, we're witnessing a profound shift not just in our work culture.

The UAW Strike’s Potential Impacts on the Economy and Housing Market
The recent United Auto Workers (UAW) strike has taken center stage in economic discussions across the U.S.
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Elon Musk's Bold Move to Combat Bots
Musk is considering putting the entirety of X, formerly known as Twitter, behind a paywall with the aim of combating the bot menace.
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Instacart's Debut on NASDAQ
Instacart debuted on the NASDAQ on Sep. 19th, marking a significant event for an otherwise quiet Initial Public Offering (IPO) market.
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TikTok’s Massive GDPR Fine
The European Union has imposed a hefty penalty on TikTok for its violation of the General Data Protection Regulation (GDPR).
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Elon Musk and the U.S. Department of Justice
The recent whirlwind of events surrounding Elon Musk's leadership of "X" has sparked considerable attention.
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TikTok's Quiet Shift: Integrating Wikipedia Snippets in Search Results
A recent subtle shift in TikTok's functionality has put the spotlight on its expanding ambitions in the search domain.
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Rhythm in Business: An Analysis of Industry, Business Decision, and Personal Rhythm
Successful businesses, like harmonious music compositions, share a common element: rhythm.
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Addressing Risk in Business Expansion: The High Output Management Perspective
The exciting journey of business expansion is riddled with pivotal decisions and potential hazards.
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Google's Antitrust Battle: Monopoly or Consumer Preference?
The antitrust confrontation between Google and the U.S. government is an intriguing intersection of innovation and market power.
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The Diminishing Role of Big Banks in Small Business Lending
The banking landscape for small businesses has undergone significant changes.
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IRS Prioritizes AI to Scrutinize Wealthy Taxpayers and Their Complex Schemes
In an era of technological advances and sophisticated financial mechanisms, the IRS is ramping up efforts to ensure tax fairness.
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The "Golden Handcuff" Predicament
In the rapidly evolving financial landscape of America, certain economic phenomena take on both metaphorical and literal significance.
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Robot Invasion at SoFi Stadium: Marketing Genius or Sci-Fi Overload?
AI-powered robots attended the game with avid football aficionados, raising eyebrows in the process.
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$5.6 Billion Twinkie: Hostess To Be Acquired
The acquisition of Hostess Brands Inc. by the J.M. Smucker Co. is set to become one of the standout deals of 2023.
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China's iPhone Restrictions: A Ripple in the U.S. Tech Sector
The tussle between the U.S. and China often manifests in the tech sector.
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The Rise of AI in Disinformation
As AI-powered propaganda machines reshape the nature of our digital reality, what can we do when this technology falls into the wrong hands?
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Return-to-Office: A Global Challenge
In the wake of the pandemic, people around the world are gradually returning to their pre-Covid routines.
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Indonesia’s New Golden Visa
Indonesia's introduction of its golden visa has garnered significant attention with Sam Altman, CEO of OpenAI, as its first recipient.
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Oil-Supply Curbs Extended: The Implications for Entrepreneurs Worldwide
Saudi Arabia and Russia's recent announcement that they would extend their unilateral oil supply restrictions is not just an energy sector story.
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The High Cost of Crypto Bankruptcy
The past year has witnessed several prominent cryptocurrency firms face financial turmoil.
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Shopify & Amazon Collaborate: The "Buy with Prime" Integration
Shopify merchants can now tap into Amazon's coveted "Buy with Prime" feature.
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Understanding X's New Privacy Policy: Read Before You Opt-In
Recent policy updates from X, formerly known as Twitter, shed light on the importance of being vigilant about the consent you give.
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Even Billionaires Can't Dodge the Law: Elon Musk Sees 2,200 Arbitration Cases
Elon Musk whose audacious ventures span from Tesla's electric vehicles to SpaceX's interplanetary ambitions has been making his rounds in the media.
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US Labor Market In A Cooling Phase
The U.S. labor market has been in the limelight for a multitude of reasons with the "Great Resignation" and “Great Awakening”.
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Understanding the High Month Paradigm
Business success: growth can distract from goals - the High Month Paradigm.
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Financial Optimization: Are You Focusing on the Right Things?
In my work and interactions with business owners, I've repeatedly observed a concerning trend.
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Decoding China's Economic Narrative
China's economic tale: uncertainty, challenges, but market indicators defy decline.
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SEC's New Rules on Private Fund Advisers
The U.S. Securities and Exchange Commission (SEC) has adopted new rules and amendments under the Investment Advisers Act of 1940.
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The Federal Reserve's Impact on the Housing Market
One of the most pressing concerns currently affecting the U.S. economy is the housing market's precarious position
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SEC's Proposed Rules on AI Use in Investment Advisory
AI transforms finance, but SEC's role vital in ensuring investor interests.
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The Return of Tech IPOs
The tech Initial Public Offering (IPO) market seems poised for a resurgence.
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The Miracle House Paradigm
The Miracle House in Lahaina offers an example of the importance of solid foundations and strategic planning.
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The Four Commandments of Financial Certainty: A Closer Look
In pursuit of wealth, complex models obscure true goals.
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The Seasonal Rhythms of Business: How Starbucks' Pumpkin Spice Latte Revolutionized Consumer Trends
For businesses, fall is more than just a shift in the calendar; it's a reflection of human behavior, cultural trends, and a keen business acumen.
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The Digital Revolution in the Food Industry
The food industry has gone digital. Taco Bell’s unveiling of its digital-first Go Mobile 2.0 restaurant is just one example.
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Subway's Potential Acquisition Signals a Broader Trend
Roark Capital's anticipated acquisition of the sandwich chain Subway for a substantial sum, upwards of $9 billion, is not an isolated event.
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LinkedIn's New Algorithm Changes: A Deeper Dive for Users and Businesses
LinkedIn is leveraging advanced technologies to reinvent user engagement on its platform.
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US Bank Shares Stumble After S&P Downgrades
Recent actions by credit rating agencies have reignited concerns about the stability of the U.S. banking sector.
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Wall Street's Recent Fluctuations: Navigating the Unpredictable August Markets
Wall Street's performance remains inconsistent following a slew of macroeconomic forces, corporate earnings, and interest rate speculations.
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Threads Goes Web-Based
Meta’s Threads announced an upcoming web based platform. This will further its leap into microblogging.
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How AI's Language Evolution is Making International Expansion More Attainable
The future of entrepreneurship lies in its ability to transcend boundaries. One of the most fundamental boundaries is language.
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A Music Incubator Like No Other
YouTube is set to meld the realms of Artificial Intelligence (AI) and artistic expression through its incubator in partnership with Universal Music.
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The EU's Digital Services Act: A New Dawn for Big Tech in Europe
The European Union (EU) has a legacy of pioneering regulations that echo worldwide. This week marks the onset of the Digital Services Act (DSA).
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Tesla's Data Breach
The recent misuse of data by former Tesla employees highlights the vulnerability of data breaches even for industry titans.
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The Price of Privacy: Facebook’s Settlement
The recent Facebook class-action lawsuit underscores an era where the importance of user privacy has never been more significant.
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IBM and the Dawn of the AI Workforce Revolution
IBM announcement about replacing almost 8,000 jobs with Artificial Intelligence (AI) is making headlines.
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AP's Stance on Artificial Intelligence in Journalism
The Associated Press (AP) is addressing the role of Artificial Intelligence (AI) in newsrooms head-on. In a much-anticipated move.
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China's Grand Strategy to Woo Foreign Investment Amid Economic Hurdles
China's 24-point guideline aims to attract foreign investors.
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Navigating the Impact of Oil Prices on Global Industries
Often dubbed as "black gold," oil isn't merely another commodity—it's the linchpin of the global economy.
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The New York Times Bars AI from Leveraging its Content for Training
The New York Times (NYT) has revamped its Terms and Conditions, expressly forbidding the utilization of its content for training AI models.
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YouTube's Controversial Ad Practices on Kids’ Channels
YouTube's advertising techniques could have inadvertently led to tracking children online.
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OpenAI Acquires Global Illumination to Shape the Future of AI Design
On August 16, OpenAI announced its acquisition of AI design startup Global Illumination.
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The Rich-cession of 2022: Millionaire Numbers Have Dropped
The world witnessed a significant dip in millionaire numbers last year. Labeled as the "rich-cession."

Nikola Corporation's Battery Fire Ignites Safety Concerns
Nikola Corporation has hit the brakes as it faces setbacks in its battery department.
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Global Investor Sentiment Brightens
Global investor sentiment has taken a positive turn, reaching levels of optimism not seen since February 2022.
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Binance Battles SEC Over "Overly Broad" Information Requests
One of the world's leading cryptocurrency exchanges, Binance, took a bold step against the U.S. Securities and Exchange Commission (SEC).
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Implications of U.S. Treasury Volatility for Entrepreneurs
United States Treasury yield have everyone from institutional investors to entrepreneurs on watch.
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Coinbase Sets Its Sights on Canada
Coinbase has set its anchor firmly in Canadian waters. Canada has become a hotspot for blockchain innovations.
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Oil Prices: A Tumultuous Trajectory Amidst Global Economic Uncertainties
The global oil market has been on a roller coaster ride recently with prices reaching new heights.
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Yellow Corp. Bankruptcy: A Collision of Corporate Failure and Union Relations
Yellow Corp.'s recent bankruptcy declaration has generated a flurry of discourse and debate.
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Google's Reformed Security Strategy for Chrome
Recent developments from Google have positioned its Chrome browser as an exemplar of how companies can combat evolving digital threats.
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Preventing Burnout in Your Business: A Lesson from the Medical Field's Use of AI
The relentless pressures of modern business can take their toll on any entrepreneur. Over time, those pressures can lead to burnout.
Podcasts
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Betting on the Upside With Jay Bhakta
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Using the Investor Frame in Real Life With Anne Amagrande
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Commandment #4: Asymmetry to the Upside
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Building Innovation Without Limits With Paul Sparks
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Commandment #3: Navigating Infinite Trade-offs
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Knowing Yourself and Playing Your Game with Dan Barrett
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Commandment #2: Preference, Not Binary
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Reevaluating Your Opportunities With Ben Frank
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Getting Back to Our Natural State With Renee Metty
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Commandment #1: Closer Over More
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What is Certainty?
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We're back. All About This New Season
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Breaking Down Financial Readiness with Dan Nicholson
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Wealth Acceleration with Dan Nicholson
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Lessons From the Dishwasher with Dan Nicholson
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How Do I Figure Out My Style with Dan Nicholson
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The 2 Oreo Principle with Dan Nicholson
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Playing the Long Game from the NFL to Finance with Jedidiah Collins
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Principles and Preferences with Dan Nicholson
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Success Outside the Box and Playing Your Game with Randy Massengale
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An Unconventional Origin Story with Dan Nicholson
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Videos
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Sam is Back: Inside Sam Altman’s Return to OpenAI
Sam Altman has returned to his role as CEO of OpenAI, after a tumultuous week for the influential tech company.
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What Holiday Sales Can Teach Us About Plus Minus Shopping in Business
As the holiday season approaches, so do two titans of American consumerism: Black Friday and Cyber Monday.