Hasnain Ali
Personal Finance Writer & Founder of HowInvests.com
🎥 YouTube: @howinvests | 📍 Helping everyday Americans invest smarter
| 📌 Current Role | Personal Finance Writer & Founder – HowInvests.com |
| 💡 Financial Philosophy | “Investing is not just for the wealthy — it’s a pathway to financial freedom for everyone. Start small, learn the basics, and let time do the heavy lifting.” |
| 📺 Platform & Reach | YouTube channel @howinvests + writes every article based on original research into US financial markets. ✔️ Focus: Beginner-friendly, actionable investing advice. |
| 🧠 Areas of Expertise | ETFs, IUL vs Roth IRA vs 401k, stock market basics, side hustles, passive income, collective investment trusts, market volatility, dividend stocks, REITs, beginner investing strategies. |
| ⚙️ Key Asset on Site | 📊 Free investment return calculator (IUL vs Roth IRA vs 401k) – one of the strongest pages for AI citation & backlinks. |
| ✨ What Makes HowInvests Different | Real, experience‑based advice — not recycled lists. Every side hustle and strategy is written with practical insight, not just theory. |
| 🚀 Start Here | 👉 Visit HowInvests.com |
About Hasnain Ali

Hasnain Ali is a personal finance writer dedicated to helping everyday Americans demystify investing. He runs the YouTube channel @howinvests and writes every article on HowInvests.com based on his own independent research into US financial markets. Unlike many finance blogs that repackage generic advice, Hasnain focuses on real-world examples, practical side hustles, and honest comparisons — such as IUL vs Roth IRA vs 401k, ETF fees, and passive income that actually works for beginners.
His work has been featured in discussions about stock market volatility, collective investment trusts, and beginner retirement planning. Hasnain’s mission is simple: to prove that you don’t need a finance degree or a six-figure salary to start building wealth.
Popular Topics & Guides
IUL vs Roth IRA vs 401k
Honest take for beginners — which retirement account actually works for you?
What Is an ETF?
Beginner’s guide to exchange-traded funds, fees, and diversification.
7 Best Side Hustles for Beginners in 2026
Real numbers, not fake promises.
5 Passive Income Ideas (with Real Numbers)
Dividend stocks, REITs, and more — explained simply.
📈 Free Investment Calculators
Investment Return Calculator
Stock Profit Calculator USA
Watch Hasnain on YouTube
Subscribe to @howinvests for weekly videos breaking down stocks, ETFs, and side hustles without the jargon.
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| 🦋 Bluesky | @howinvests.com |
| 🧵 Threads | @howinvests |
| ▶️ YouTube | youtube.com/@howinvests |
| pinterest.com/howinvests | |
| 🔗 LinkedIn | linkedin.com/in/hasnain-ali Reddit.com/u/howinvests |
Best Brokerage for Beginners: Top 5 Picks for 2026
I remember staring at my bank balance about eight years ago, convinced I didn’t have “enough” money to start investing. I thought you needed thousands of dollars, a Wall Street connection, and maybe a fancy calculator just to get in the door. So I just… didn’t do anything. I let that money sit in a…
IUL vs Roth IRA vs 401k | Honest Take for Beginners
Here’s the thing nobody tells you when you first start hearing about retirement accounts: there are about a million ways to save for the future, and half of them come with acronyms that sound like government surveillance programs. IUL vs Roth IRA vs 401k free investment return calculator If you’ve ever stared at a benefits…
7 Best Side Hustles for Beginners in 2026
Let me be real with you for a second. Most “side hustle” articles you’ll find online were written by someone who’s never actually done any of them. They list the same seven things, slap some numbers on it, and call it a day. You read it, feel motivated for about eleven minutes, and then do…
Side Hustles for Nurses in 2026: 9 Real Ways to Earn Extra Income
why Start Side Hustles for Nurses Long shifts. Emotional exhaustion. The physical toll. And yet, depending on where you live in the U.S.—say, a coastal city or even a growing spot like Nashville or Austin—that paycheck might vanish faster than a turkey sandwich on a 12-hour night shift. How Much Can Nurses Realistically Earn From…
I saved $10 per day for 30 days—here’s how much I made
It started as a bet with myself. Not the kind of bet Where you put money on a game or talk yourself into buying something dumb. The boring kind. The kind where you look at your bank account on a random Tuesday and think, surely I can find ten bucks somewhere. So I tried it.…
ETF Fees: The Hidden Cost That Hurts Returns
Most people who start investing—especially young people finally ditching their latte-and-avocado-toast guilt—obsess over the wrong number. They stare at the big bold return percentage on a fund’s front page. 10% average annual return? But here’s what nobody puts on the billboard: fees. ETF fees I remember my first 401(k) rollover. I was 26, making $48k…
What Does Expense Ratio Mean in ETFs? Easy Explain
Here’s the Expense Ratio Mean in ETFs: everyone loves how easy they are to buy. You open an app, type a ticker, click a button, and bam—you own a slice of hundreds of companies. Feels almost too simple. See video on Youtube And that’s where the trouble starts. Because buried in that simplicity is a…









