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Blog

Musings on personal finance and more...

How to plan when you fear the worst

  I think investing is fun. I mean, you put some money aside, sit on it, and then after a while, you get more of it. Couldn’t be easier, right? All you need to do is spend some time setting … Read MoreRead More

The one category in your budget that you don’t want to forget

  One of the tasks you do when starting out budgeting for the first time is to come up with spending categories for your expenses. These are things like transportation, groceries, clothing, things that you spend money on throughout the … Read MoreRead More

The Debt Math Throwdown (or testing the debt snowball)

  In my discussion about how to pay off your debt, I mentioned how there were primarily two schools of thought: pay off the highest interest rate first, or pay off the smallest debt first (a.k.a. “the debt snowball”). The … Read MoreRead More

How to figure out which debt to pay off first

  If you’re like most people, you have a few credit cards here and there, maybe a student loan payment, and perhaps a car payment. In addition, maybe you own a house and have a mortgage payment. That’s a lot … Read MoreRead More

How working for someone else is like renting

  I like finding connections between seemingly disparate aspects of our lives. And while thinking about the self-employment-versus-working-for-others issue, I realized that there is an interesting and unlikely connection between the type of job you have and whether you rent … Read MoreRead More

Is it safer to work for yourself?

  Safety and security are important components of anyone’s life, whether physical (we won’t be mugged or assaulted), financial (we will have enough to eat, have shelter), or any other metric. But when it comes to less universal metrics, people’s … Read MoreRead More

Forget your credit score (but learn from it)

  I consider myself pretty hard to incite, but our collective focus on our “credit score” can be very frustrating. I think we focus way too much on our credit score, and it leads us to make decisions for the … Read MoreRead More

How to spend money

  You grab the items off the shelf and bring them to the counter. You hand them to the cashier, who scans it and then tells you how much it costs. The cashier then looks at you, expectantly. How do … Read MoreRead More

Do you need to be certified in order to do your work?

  As a proponent of what I call “integrative financial coaching” I get to help people not only with improving their finances, but also help them heal their relationship to money, allowing them an easier path towards success in more … Read MoreRead More

Why would anyone buy loaded mutual funds?

  One of my first rules of investing is: don’t invest in anything that you don’t understand. As we all need to be investing experts, this carries a certain weight with me. And while the answer to “what should I … Read MoreRead More

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