Decisions

I am not me: Capital One and the failure of Know Your Customer

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A frustrating experience trying to login to an account leads to a rumination on how Know Your Customer (KYC) fails us and our humanity. In the financial services industry, you need to be familiar with a procedure called Know Your … Read More … Read More

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Time to be intentional with your accounts

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Verifying your accounts will keep your funds all accounted for, and will help you to decide if it’s time to change servicers. It’s a new year, and with it the usual deluge of good intentions, lofty goals, and everything going … Read More … Read More

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Year in review 2019: Top 10 posts

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The top posts of the year on Empathic Finance, including both my favorites and the ones readers viewed most. At the beginning of this year, I made a big change to this site. After six years of blogging on a … Read More … Read More

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How to break the belief that it’s only okay to spend on your needs

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You have much more control over what you define as wants and needs than you think. Some people have a lot of trouble spending money. I’m talking about the people who see spending as a “bad thing”, who feel shame … Read More … Read More

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Don’t be too patient

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If you have an opportunity, don’t let it pass you by. I’m sitting in my favorite coffee shop, one that I’ve logged upward of 1,000 hours at over the past decade or so. And I’m here for the last time. … Read More … Read More

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Why you need to work with a digital fiduciary

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It’s not just your financial advisors who need to be fiduciaries too. We need to be able to trust people’s online words and suggestions as well. Trust is hard. How do you know who has your best interests in mind? … Read More … Read More

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How could you make $100,000?

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I’m challenging you to think big about your income, so big that it’s beyond what you might ordinarily think is possible. … Read More

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Don’t try to run out the clock on your finances

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It’s a sobering statistic: 1 out of every 1 person dies. If you are of a certain age, and your finances are not where you want them to be, it is understandable that a certain feeling of helplessness can set … Read More … Read More

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The Roth IRA danger zone (part 2): What to do if you contributed too much

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So we talked last time about the problems with being on the threshold of the Roth IRA income limits. If you make way too much or way too little, then you know where you stand in terms of being able … Read More … Read More

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How financial stability (might have) led me to become vegetarian

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For much of my life, I was a dedicated “whatever-ivore”. I ate meat, because I ate everything. I wasn’t one of those people who ate bugs and the like, but it was part of my identity that restricting my food … Read More … Read More

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