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
Radical Finances

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 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 More … Read 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 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

Year in review 2020: Top 10 posts
A look back at the best posts of 2020 on this site, including both my favorites and the ones readers viewed most. It has been a year of changes, to say the least. I went full-time as a money coach, … Read More … Read More

Why you may want to ignore the 4% rule for retirement withdrawals
The creator of the “4% rule” for safe retirement portfolio withdrawals doesn’t even believe in 4% anymore. That’s good news, as the actual safer percentage appears to be higher. So you’ve spent decades of your life building up a sizable … Read More … Read More

How to pay off a $10,000 debt
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

Are people fundamentally good or bad?
A false choice on judging people’s virtue is nonetheless responsible for whether we err on the side of helping too many or too few people. Oversimplifications are comforting. For some, the importance of saying, “this is right, and this is … Read More … Read More

How to take advantage of a student loan payment freeze
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