Radical Finances

What do “social insurance programs” have to do with personal finance?

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Last time, I wrote about someone who claimed that all of the important personal finance tenets could fit on an index card. And who then produced that index card. It contained nine ideas or suggestions, eight of which I tackled in … Read More … Read More

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Can everything you need to know about personal finance fit on an index card?

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  Two years ago, there was an article about someone who wrote down all of the important personal financial advice onto an index card. The theory being that everything important that you needed to know was simple, and that all the … Read More … Read More

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Why not to get the London Pass (or any multiple attraction ticket)

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  It’s a standard part of the American vacation: We only have limited time, so let’s try and see as much as possible! It’s an understandable impulse, especially if you don’t assume you will return. However, there are of course … Read More … Read More

The surprise I got from spending only cash for a month

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  For the past month, I have spent nothing but cash for all my expenses. (Bills were paid automatically.) You can read about why I did this in greater detail, but more than anything, I basically just wanted to see … Read More … Read More

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Income, Bills, and Expenses: a glossary

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  I often capitalize three specific words when talking about personal finance: Income, Bills, and Expenses. I’ve defined these ideas in different posts throughout the history of this site, but I’ve found that I haven’t actually devoted a place to … Read More … Read More

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The necessity of being a millionaire

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  So I talked about how being a millionaire is both more achievable and less meaningful than ever before. In fact, I’ll go even further by saying that for many of us, it’s also effectively mandatory. Yes, I’m saying that … Read More … Read More

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How to succeed at your first month of budgeting

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  Let’s say you finally decided to make a change and create a budget for your finances. Perhaps you’ve become suitably inspired, or, like the parable of the burning building, the alternative had become that much worse. So what do … Read More … Read More

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The banality of being a millionaire

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  There are few words associated with money that are more romantic than “millionaire“. Just the very mention of the word brings to my mind giant villas overlooking a sunny sea. But I want us to take a closer look at … Read More … Read More

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A month of living cash-only

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  I’ve talked about how to spend money. When you think about it, it’s a surprisingly complex decision, and one that takes place many times a day. I’ve hammered home the point about the dangers of putting everyday spending on … Read More … Read More

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How can I convince you to not put your spending on a credit card?

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  As I never grow tired of saying, being financially aware is one of the most crucial ways to find peace in your life and achieve anything you want. Being rich isn’t the goal, but being intentional and making the … Read More … Read More

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