Target and other big retailers that sell a wide range of products present a challenge to those who wish to track their spending. Target has been around for decades, but it only hit my radar in college, when the first … Read More … Read More
The parable from the Dave Ramsey team about Ben and Arthur is fatally flawed, which is good news for pretty much everyone. Everyone knows that you should start saving for retirement early. And that makes sense. The sooner you start, … Read More … Read More
I detail how I met the 1,000 Experience Hours requirement to become an Accredited Financial Counselor (AFC). Two years ago, I decided to get my Accredited Financial Counselor (AFC) certification. While I believe that you don’t need official credentials to … Read More … Read More
I challenge the conventional wisdom that you should wait until age 70 to claim Social Security benefits in order to get the most out of it. According to US News, the average monthly Social Security benefit as of 2022 is … Read More … Read More
A look back at the top posts of 2021 on this site, including both my favorites and the ones readers viewed most. Like most people who are engaging with the pandemic, 2021 felt both swift and eternal. It’s hard to … Read More … Read More
There used to be a link between minimum wage and worker productivity, but this has diverged since the 1960’s. It’s time to bring this back. Anyone can be making minimum wage. It’s like that Bill Hicks quote: “Anybody can be … Read More … Read More
It’s common for people to say that they spend “too much” on restaurants and other food delivery services, but why? And is it true? If there’s one thing I hear from basically everyone, whether they are a client, a prospective … Read More … Read More
I discuss smart speakers and how easy it is to spend money unintentionally (and potentially recklessly) with them. Leading the list on the worst blog ideas for me to write would be one with reviews of the latest tech gadgets. … Read More … Read More
I discuss the many shortcomings of the Dave Ramsey approach to personal finance, and show better ways to help more people. I’ve mentioned Dave Ramsey numerous times over the years. I’m not here to bash Dave, at least not without … Read More … Read More
I look at some non-traditional methods of paying off debt to see if they are any better than the Debt Snowball method. The problem: you have multiple debts, all with varying amounts, interest rates, and payback timelines. Some are secured … Read More … Read More
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