Many think that making a budget is a restriction, but it’s actually the opposite: an allowance to spend money. I remember when I was a kid, I got an allowance from my parents. I loved it. Who wouldn’t love an … Read More … Read More
Decisions

You have a high income, so why don’t you have any money?
I debunk the myth that there is a correlation between earning a lot of money and having a lot of money, because it isn’t always true. Isn’t it amazing the vast disparities in income? I know someone who pulls in … Read More … Read More

Going for my AFC® certification: one year later
A year ago, I started going for my AFC® certification. Here is an update on how it’s going and what I’ve learned in the process. Last year, amidst a fair amount of personal turmoil (and not even talking about the … Read More … Read More

How to make more impactful financial decisions
Many financial tasks feel impactful but aren’t. Learning to spot the difference can help you make more impactful decisions. David Bach is a bestselling personal finance author who, among much else, is known for his idea that the money you … Read More … Read More

Are your employees worrying about money?

The American Rescue Plan diffuses a student loan tax bomb

Is it worth it now to buy Bitcoin?
Despite the rise in price of Bitcoin, I urge caution against you trying to get rich quick, plus what you need to do before buying any crypto. Wow is Bitcoin trending in the news. First it was Bitcoin’s meteoric rise … Read More … Read More

You need a budget, but do you need You Need A Budget?
I review You Need a Budget (YNAB) after having tried it for the very first time, and offer my thoughts on the service. “What money apps do you recommend I use?” is a question I get a fair amount. It’s … Read More … Read More

Why I no longer do pro bono coaching
While in a perfect world I would offer my services pro bono, charging for money coaching will more likely ensure your own success. I recently had someone reach out to me and, in effect, ask me to justify my rates. … Read More … Read More

Why you could benefit from a spending reset
It’s easy to spend based on emotions or with a lack of intention, so a spending reset can help you reconnect with what’s important to you. I’ve done some fun experiments with money over the years. I’m thinking most specifically … Read More … Read More