Financial Ruin Is Not Empowering

If you think your finances are entirely ruled by careful consideration and freewill, riddle me this: Why does consumer research show the exact opposite? Why do marketing budgets show the exact opposite? Why are lenders making serious cash hand over fist? The emotions behind spending are complex, and a shift in technology and communication means…

Should You Say ‘I Do’ To Combined Finances?

Any system that works best for you and your partner is valid. The end. Just kidding. I’ve got a LOT more to say about relationships and finance. More on that later, but first.. let’s drag up the dysfunctional money memories from my childhood! I grew up in the typical nuclear family – toxic adherence to rigid…

The Map To Riches

Do you know where your money is going, from the time it comes into your life to the time it evaporates into thin air? (A short time, in my case!) I was inspired by Apathy Ends and Budget on a Stick to create a map of my money – where it goes, how it’s spent,…

The Math Smackdown

I may lose my personal finance membership card for this, but I think math needs to be smacked right off its lofty pedestal. I know the personal finance community is full of optimizers and math evangelists, but please bear with me. You can judge me in the comments later. Math is not the perfect, rational response…

A FIRE Playlist

When you’re in the weeds of a long term goal, like paying off six figures of student loan debt in 5 years or saving enough money to reach financial independence in 15, motivation is EVERYTHING. One of my key motivators is my FIRE (Financial Independence / Retire Early) playlist. There’s nothing like inspirational lyrics and…

Keeping Up With The Mustachians

The rest of the world only has to worry about keeping up with the Joneses – in the FIRE (Financial Independence / Retire Early) community we have the Mustachians. Mr. Money Mustache retired in his thirties after nine years of saving a large portion of his income and investing it in index funds. There are…

Book Club: Broke Millennial by Erin Lowry (September 2017)

If you’re interested in reading books about personal finance, you came to the right place! September will be the launch of an online book club for personal finance lovers, right here at Debts To Riches. Thanks to @debtconscience for the suggestion! Next up on my to-read list is Broke Millennial: Stop Scraping By And Get Your Financial…

GAH! (Gamify, Automate, Habitify)

What is the most efficient path to sustainable behavior change? Die-hard willpower devotees will tell you to suck it up, flex your will muscle, punch yourself in the face, and crush your goals through sheer strength of mind. Me? I don’t believe in willpower. Do you? Let’s try an experiment. Why don’t you go open…