Blog

Musings on personal finance and more. Not written with AI since 2012.

Your income is not your value

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Our beliefs about income can be toxic. People who make more than you are not better than you, and they don’t have a higher value either. I’m a huge fan of older video games, the ones made before 1990. Some … Read More … Read More

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How would your life be different if you weren’t concerned about money?

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Your life may look very different if you weren’t concerned with making money. You should learn this now to help you be more intentional later. Most of us have aligned our lives around the acquisition and protection of money in … Read More … Read More

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The ritual of the end-of-the-month budget freeze

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When your budget has you run low on money at the end of the month, the upside is that it feels all the better when the new month begins. Wow, this last month was tight. I pretty much spent all … Read More … Read More

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The Semi-Joint Life: How partners can (partially) combine their finances

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When partners wish to share finances without going all-in, there is more than one way to set up both individual and joint accounts to maximize everyone’s feelings of autonomy and connection. I believe that there are four main ways that … Read More … Read More

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Is financial coaching the same in different countries?

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Our financial products may be different, but that’s not what’s important. Most of my readers are from the U.S. That’s not surprising. I’m from the U.S., and I talk about U.S. specific issues, from current events such as the 2016 … Read More … Read More

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How to break the belief that it’s only okay to spend on your needs

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You have much more control over what you define as wants and needs than you think. Some people have a lot of trouble spending money. I’m talking about the people who see spending as a “bad thing”, who feel shame … Read More … Read More

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Don’t be too patient

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If you have an opportunity, don’t let it pass you by. I’m sitting in my favorite coffee shop, one that I’ve logged upward of 1,000 hours at over the past decade or so. And I’m here for the last time. … Read More … Read More

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Remember: income and wealth aren’t the same thing

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Managing your money effectively matters so much more than your income. Which is better to have, high wealth or a high income? The question isn’t a good one, and lacks nuance, but it’s a good test, in case you think … Read More … Read More

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Why your goal is to not care about credit cards (if you even care today)

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As you build wealth, the reasons to use credit cards fall away even more. Recently I wrote about my own revelation that, while I love collecting (and using!) frequent flyer miles, eventually, with my own financial goals in place, I … Read More … Read More

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Why you need to work with a digital fiduciary

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It’s not just your financial advisors who need to be fiduciaries too. We need to be able to trust people’s online words and suggestions as well. Trust is hard. How do you know who has your best interests in mind? … Read More … Read More

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