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Musings on personal finance and more...

Your tech job is not secure

The tech sector has started embarking on widescale job layoffs, which is as unfortunate as it is completely expected. Congrats! There’s a good chance that you’ve been laid off recently. This is especially true in the tech sector, where, according … Read MoreRead More

Knowing is better than not knowing

Avoidance is common is personal financial matters, but even though it’s momentarily painful, it’s always better to know where you stand. One of the most common stances that people have toward money is avoidance. It’s so common that I have … Read MoreRead More

Past due: What to do when you’re behind on your debts

Getting current with past due debts is one of the most urgent tasks for you to take care of, pretty much before you do anything else. I’ve talked about how to pay off debt. That’s that “debt snowball” thing you … Read MoreRead More

What to do when you’re paid biweekly

You’re not getting bonus checks, even if it feels like you are. But getting paid biweekly gives you an chance to ensure some serious savings. When people get paid a regular income, it can happen at various frequencies, but there … Read MoreRead More

2022 in review: Best posts of the year

I recap the best posts of 2022, including the ones my readers liked and the ones I’m most proud of. Happy end of the year! It’s been a good year for me. After more than two years of work, I … Read MoreRead More

Why not keep your debt and use the cash flow?

There is a school of thought that you can use leverage to create cash flow without ever needing to pay off debt. But there’s a small problem. I was recently listening to a radio show hosted by a real estate … Read MoreRead More

The data is in: You can’t beat the market

I look at S&P SPIVA scorecards for mutual funds, which confirm what we already knew about investing: that you can’t beat the market. Note: I’m not a financial advisor. I don’t offer financial (or legal) advice. My job is to … Read MoreRead More

How to stay motivated when paying off a mortgage

Creating little milestones will help you stay motivated and give you a sense of accomplishment, even if your mortgage takes years to pay off. I logged into my mortgage account this month and saw something very exciting: Do you see … Read MoreRead More

How to prepare for the next surge in gas prices

Gas prices won’t be lower for long. Here’s how to handle what happens the next time there’s a surge in gas prices. Gas prices are up. Then they’re down. Then they’re up. Then they’re down up down. At the very … Read MoreRead More

Desperation is not a financial strategy

Crypto and other Hail-Mary financial plays show that many of us aren’t greedy, but desperate. But desperation will make the situation worse. By now you’ve all probably heard about the latest failure of a crypto exchange, FTX. Even if you … Read MoreRead More

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