My friends told me about this ‘great’ app they found called Acorns back in early 2017. They mentioned how great it was that the program rounds up all of their credit card purchases to the nearest dollar and invests the change. My first question was something along the lines of why not just put the […]

I’ve said this before, and I’ll say it again: INVEST, SAVE, OR SPEND EVERY DOLLAR (IN THAT ORDER) Conventional wisdom says “you need to budget” your money. Then there’s the wisdom of those against budgets and their argument often goes like this: each January 1st, you tell yourself “I’m going to budget better,” but then […]

A lot of people think that they can afford something if they can take it home from the store without stealing it. Sure, you can buy it, but can you afford it? This distinction is exactly what lands so many people in credit card debt. If you need to make the minimum payments on your […]

In one of my most recent posts, I spoke about my slightly unconventional approach to paying off my car loan. In short: I paid off a very large portion of it very early on in the loan, but not all of it for two reasons – 1. to minimize my total interest paid; and 2. […]

How many times have you seen kids straight out of high school or fresh out of college driving a brand new higher end car? Why is it that Facebook and Instagram show us pictures of our peers “living the dream” with high end toys and exotic vacations? Millennials tend not to have a good concept […]

For the last 6 years of my professional career, I’ve had coworkers ask me where I get all my money. “We do the same thing, so where is all of your money coming from?” is usually how it goes. Long story short, there is no big secret or scam, just smart placement of my money! […]