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Musings on personal finance and more...

How to write 750,000 words: 10 years of Empathic Finance

I reflect on ten years of blogging, working to help people succeed with their finances and live a more authentic and radical life. On November 12, 2012, I was in a hostel on the big island in Hawaii. While on … Read MoreRead More

How to rollover your 401(k) to Fidelity

I explore the process of doing a rollover of a 401(k) to an IRA at Fidelity Investments for the first time. UPDATE: Added in details on whether you are rolling over pre-tax funds or Roth funds. I’ve been taking a … Read MoreRead More

Why the 30 year mortgage is actually uncommon

The U.S. is an outlier in offering a 30 year mortgage. Here’s why that is, and why you still want to be able to pay it off faster. It’s official: 30 year fixed-rate mortgages in the U.S. have reached 7%. … Read MoreRead More

Sign up for student loan debt relief right now

Student loan debt relief is here, but Republicans are trying to stop it from happening. You should sign up now anyway. In August of this year, President Biden announced that millions of people would be getting some or all of … Read MoreRead More

Air cargo: The best way to ship your stuff

My experience shipping packages via Alaska Air Cargo and becoming a TSA Known Shipper was amazing, and I’d recommend it for everyone. A few years ago, I had a need to ship a bunch of boxes from my mom’s house … Read MoreRead More

Is it too late to buy a home?

With rising mortgage rates, some people may be wondering if it’s too late for them to buy a home. I believe that is the wrong question to ask. You’ve doubtlessly noticed how everything is getting more expensive, whether it’s food, … Read MoreRead More

Why you don’t charge what you’re worth

As a therapist or other private practitioner, you may struggle to charge enough for your services, but here’s why you should raise your rates. I’ve been enjoying giving my continuing education class for therapists on financial wellness in the therapeutic … Read MoreRead More

Are you ready to lose your job?

Most of the important steps you need to take to handle a job loss happen before you lose your job. Here are those steps. A few years ago, I was let go from my full-time job. It had nothing to … Read MoreRead More

Why we believe people are rich or poor is changing

I look at three studies by the Pew Research Center on how our beliefs on why people are rich or poor are evolving, and in a promising way. I know in my heart of hearts that the vast majority of … Read MoreRead More

Is it safe to put your money in stablecoins?

I look at cryptocurrency stablecoins and how they are used, and compare them to the original stablecoin, the U.S. dollar. I don’t know if you know this, but I’ve started syndicating all my content over on Medium. You can subscribe … Read MoreRead More

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