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…

The Debt Bonfire Method

Despite what many personal finance experts will tell you, there is no debt repayment method that fits every situation for every person. The ‘do whatever works best for you’ model isn’t going to sell any books though.. I’m not a personal finance expert, so I’m free to share my honest opinion of the two most…

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…

Letters To My Future Self

On my debt free journey I’ve learned that motivation is everything. If we want to see progress we have to engineer our environment to bump ourselves along to success. Gamify, Automate & Habitify (GAH!) are my watchwords! Support is a major component of achievement, so surrounding yourself with people who encourage you is key. It’s…