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Musings on personal finance and more...

Inviting the repo man in: Using a home equity loan to pay off credit card debt

Some people cut up their credit cards. Some people have them but keep them in a drawer. Some people may use them, but pay them off at the end of the month. I can see arguments for all of these, … Read More … Read More

Is your money identity holding you back?

I recently read the Seth Godin book “This Is Marketing”. On the back cover, and throughout the book, is the phrase “People like us do things like this.” At first I thought this might have been some weird marketing cult … Read More … Read More

How financial stability (might have) led me to become vegetarian

For much of my life, I was a dedicated “whatever-ivore”. I ate meat, because I ate everything. I wasn’t one of those people who ate bugs and the like, but it was part of my identity that restricting my food … Read More … Read More

How your decisions change when you have more money

In New York City, you can take a helicopter to the airport. It runs about $200, and takes you five minutes. There are a few different ways you can respond to this particular factoid. For many/most people: “That is absolutely … Read More … Read More

Your feelings when you learn about other people’s financial decisions

There is a risk when you share specific financial numbers: other people may feel either envy or disdain. Some people will see a budget of $40 a day for food for two people and say, “Must be nice. That’s how … Read More … Read More

Real numbers: Budgeting for a weekend away

Repeat after me: track or you will fail. It doesn’t matter if it’s money, or fitness, or watering your plants, if there is something you want to accomplish and it takes more than a single step to get there, you … Read More … Read More

Why you waste energy trying to save on things that don’t matter

Have you ever spent five minutes in the grocery store trying to decide between the organic and non-organic item? Have you ever stood outside of Starbucks asking yourself if you could rationalize spending money on a coffee? Have you ever … Read More … Read More

The weirdness of checks

I was recently in a food hall, one of those ones compiled by a real estate development company to give the illusion of a grass-roots, DIY, small-business-friendly establishment. Anyway, one of the more “hip” stalls had a sign by the … Read More … Read More

The bridge: What you need when you retire early

One of my life’s goals is to become financially independent. This means that I won’t need to rely on work to earn an income. (Yeah, it would be nice if we as a society could move to something approximating universal … Read More … Read More

Book review: Everyday Millionaires

I review the book “Everyday Millionaires” by Chris Hogan and its fundamental question: can anyone truly become a millionaire? The word “millionaire” has a lot of emotional meaning. It carries the weight of financial success, even if it doesn’t necessarily … Read More

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