Decisions

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

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

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

Worried about the markets? You need to HODL.

I use the HODL meme from Bitcoin to show how it’s actually more widely applicable to your investments with real money. Things aren’t looking too good for the economy right now. Inflation is up, and gas prices are so high … Read MoreRead More

This is why you don’t want an adjustable rate mortgage (or private student loans)

An adjustable rate mortgage seems like a good idea, but when interest rates start to rise, you’re going to regret your choice. This past week, the Federal Reserve raised its benchmark interest rate by three-quarters of a percent. The last … Read MoreRead More

Why you should get a refund and not store credit

When you make a return, many retailers want to refund your money to store credit or a gift card, but here’s why you don’t want to do that. I had to return an item the other day on Amazon. It … Read MoreRead More

What are the credit cards I use in my business?

Take a look behind the scenes and learn about the credit cards I use in my financial coaching business and why. I started my financial coaching business informally almost a decade ago, but it was a few years later that … Read MoreRead More

Going for my AFC certification: How I got my 1,000 hours

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 MoreRead More