Decisions

Don’t stop, no matter how (painfully) long it takes

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In light of the 2020 election, it’s worth remembering that some dreams take years to come true. Or even decades. History says, Don’t hopeOn this side of the grave,But then, once in a lifetimeThe longed-for tidal waveOf justice can rise … Read More … Read More

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Why a new fee on mortgage refinancing shouldn’t affect you

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Refinancing a mortgage is getting pricier due to the Adverse Market Refinance Fee, but refinancing doesn’t offer the benefits you think. There’s a new fee in town. The Federal Housing Finance Agency has instituted a 0.5% fee on refinancing of … Read More … Read More

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How to pay off a $10,000 debt

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Paying off debt requires drive, focus, patience, and accountability. In this post I show how you can pay off a large debt. In a recent YouTube video, I talked about a hypothetical $10,000 debt. Now, for many people, this sort … Read More … Read More

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Should you let your partner handle your money for you?

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When you share finances with a partner, you can outsource the budgeting to the one who is most interested, but there are good reasons not to. After doing this for many years, I’ve learned a surprising fact: not everyone is … Read More … Read More

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How to take advantage of a student loan payment freeze

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During the student loan payment and interest freeze, if you are able to make payments now, you’ll have a much greater impact on your loans. A lot of the benefits that were passed to ease the crisis for people dealing … Read More … Read More

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Freed from the golden handcuffs: the surprising joy of being laid-off

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Anyone can feel like they have golden handcuffs even if they don’t make a lot of money. But breaking free can give you surprising relief. There is a lot to be unhappy about right now. Rampant injustice, an economy that … Read More … Read More

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Where you can find me on social media (and why)

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An update on my social media channels, including reasoning for why I’m on (or not on) certain sites. A few years back, I talked about what social media I was using (and, more to the point, not using). It’s a … Read More … Read More

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If you’re thinking about taking an early withdrawal from your 401(k)

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New legislation eliminates penalties for some early withdrawals from your 401(k). However, just because you can doesn’t mean you should. UPDATE: This legislation has expired as of the end of 2020. Penalties will apply again for early 401k withdrawals. These … Read More … Read More

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The affiliate trap: How professionals can lose both trust and income

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Amazon just severely changed its commission rate, showing how easy it is to lose not only trust with affiliate marketing, but also income. There are many ways that flout conventional wisdom in building my financial coaching business. For one thing, … Read More … Read More

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Time to plan for the unthinkable

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Now that we’ve seen firsthand how the unthinkable can happen, we need to prepare for other situations that can (and probably will) happen. By now, we’ve all been dealing with “the unthinkable” for many weeks now. “Nobody” thought this could … Read More … Read More

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