Radical Finances

Do you really need that many mutual funds?

I look at “lazy portfolios” as an option for people who want the simplest and easiest way to invest in the market. (Note: This is not investment advice. Please see my Disclosure Policy for details.) Recently, I took a look … Read MoreRead More

How to make less money

When you need to (or want to) live on less, here are the steps you can take to streamline your spending so you can afford to make less money. Last time, I talked about what to do in order to … Read MoreRead More

More earnings than contributions: your next retirement tipping point

I finally achieve the point in my retirement savings where I have more earnings than I do contributions, and I talk about what this means. I started my first Roth IRA when I was two years out of college. At … Read MoreRead More

Can you imagine life without debt?

Being able to envision what it would be like to be free from debt can help motivate you to take the steps necessary to make it a reality. For many, debt is a way of life. Or rather, it has … Read MoreRead More

How to Start: A beginner’s guide to managing your money

An overview of the first steps on the path to financial wellness, aimed at those who are just getting started. Recently, I was asked about what to do if you’re just getting started thinking about working on your finances. This … Read MoreRead More

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 MoreRead 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 MoreRead More

Why a $15 minimum wage isn’t enough

While current political discussions in the U.S. involve whether to raise the $15 minimum wage, I argue that that doesn’t go far enough. I’ve been watching the recent political wrangling around the new federal economic relief bill. Looks like now … Read MoreRead More

You can’t pay off your debt until you do this first

If you’re trying to pay off debt without making sure that you’ve done all the necessary work first, you’ll never make any progress. Debt looms large in our financial thoughts. For example, in a list of 50 hashtags in the … Read MoreRead 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 MoreRead More