Decisions

The high cost of cheap flights

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Spirit Airlines and other ultra-low-cost carriers may claim to offer a great value, but their low cost model carries higher risk to you. … Read More

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How to not spend a lot at restaurants

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Spending more intentionally will allow you not only to enjoy restaurants more, but also enjoy them more frequently. … Read More

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Hurting the poor: Another case against credit cards

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You may think that by paying off credit cards that the only one that loses is the credit card company. But interchange fees say otherwise. … Read More

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2022 in review: Best posts of the year

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I recap the best posts of 2022, including the ones my readers liked and the ones I’m most proud of. Happy end of the year! It’s been a good year for me. After more than two years of work, I … Read More … Read More

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Why not keep your debt and use the cash flow?

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There is a school of thought that you can use leverage to create cash flow without ever needing to pay off debt. But there’s a small problem. I was recently listening to a radio show hosted by a real estate … Read More … Read More

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How to stay motivated when paying off a mortgage

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Creating little milestones will help you stay motivated and give you a sense of accomplishment, even if your mortgage takes years to pay off. I logged into my mortgage account this month and saw something very exciting: Do you see … Read More … Read More

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How to write 750,000 words: 10 years of Empathic Finance

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I reflect on ten years of blogging, working to help people succeed with their finances and live a more authentic and radical life. On November 12, 2012, I was in a hostel on the big island in Hawaii. While on … Read More … Read More

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Sign up for student loan debt relief right now

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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 More … Read More

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Is it too late to buy a home?

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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 More … Read More

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Why you don’t charge what you’re worth

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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 More … Read More

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