Radical Finances

Your bank statement is not a budget

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  I get pushback from people about budgeting all the time. This is because people mistakenly believe that a budget is something that prevents you from doing things. In actuality, the exact opposite is true: you create it, so determine … Read More … Read More

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Is the Starbucks Rewards program a good deal?

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  Starbucks is one of those chains that people love to hate. Some may scoff entirely, preferring (arguably better) local coffee shops, while others go there five times a week minimum. Sometimes people complain about Starbucks while in line for … Read More … Read More

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An introduction to negative money

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  WARNING: This post contains a discussion of math. In these enlightened times, negative numbers aren’t a big deal. Whether it’s your favorite golfer winning the tournament with a score of -12, or even the solution to “x = 3 … Read More … Read More

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Separate your savings

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  I once went to an ATM in a tourist area (Pearl Harbor to be specific). Finding an old receipt in the receipt slot, I removed it, buy being the nosy person that I am, I looked at it before … Read More … Read More

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Adventures in accessing credit reports

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  I recently decided to find out what was on my credit report. I figure, if my permanent record is going to follow me around, I might as well know what it says about me. And perhaps a nefarious Mike with a … Read More … Read More

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Get your credit report

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  Remember when we were in school and our teachers told us that if we misbehaved it would go on our “permanent record?” Remember how relieved we were when we learned that there was no such thing? That was a … Read More … Read More

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Is it possible to be an ethical investor?

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  “Vote with your wallet.” “Put your money where your mouth is.” Where we spend our money matters. I’m assuming that there are certain companies that do not align with your personal ethical code, so you would not want to … Read More … Read More

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The best stock tip you’ll ever receive

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  I’m not usually in the business of talking about stock advice, but every once in a while, I make an exception. Many people charge hundreds, even thousands, of dollars to get access to certain people’s stock tips, but I’m … Read More … Read More

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How to plan for Social Security

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  Here in the US, we actually do have a small safety net for the elderly and disabled. It’s called Social Security (technically called “Old-age, Survivors, and Disability Insurance” or OASDI) The idea is that when you reach a certain … Read More … Read More

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Why I like the Roth IRA (though it’s not why people think)

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  So I hope you’ve done your taxes for the year. I used a certain online program to do my taxes, and one of the questions asked was “Did you contribute to an IRA [Individual Retirement Arrangement] this year?” If … Read More … Read More

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