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“HELP! I’m Paying Off Debt But May Be Laid Off Soon…”

When working your way out of debt, life doesn't simply just stop and wait for you to complete the process. It will still continue on and often throw extra curveballs along the way, almost as if its goal is to take you off track from your goals. One of those curveballs that life tends to … Continue reading “HELP! I’m Paying Off Debt But May Be Laid Off Soon…”

What’s the Difference Between a Financial Coach and a Financial Advisor?

This is a common question that we as coaches get. A lot of people don't understand the nature of our trade and how we differ from financial advisors. That's understandable though, as the financial coaching industry is still a relatively new sector of the financial world. So let's define what advisors do versus what I … Continue reading What’s the Difference Between a Financial Coach and a Financial Advisor?

What Appliances To Buy: Some Tips From An Experienced Landlord

A common issue among homeowners is determining what appliances to buy for the house. There are a nearly inexhaustible number of brands and levels of quality out there these days, and it can be tricky determining what the best is for your particular home. Fortunately, I have some advice from an experienced and well-informed connection … Continue reading What Appliances To Buy: Some Tips From An Experienced Landlord

Where Should I Put My Emergency Fund?

Step 3 of the Baby Steps program is to save three to six months of expenses in an emergency fund. This fund is not supposed to be used for shopping sprees, vacations, cars, sofa specials, or anything of that sort; only for true, emergency situations like a job layoff or medical incident. What to spend … Continue reading Where Should I Put My Emergency Fund?

What’s the Problem with Having a Car Payment?

Conventional "wisdom" says that there's no way around having a car payment every month. Vehicles are just so expensive that there's just no way a person can avoid it. You're stuck with that $500 a month payment and have to deal with it for the rest of your life. It turns out this conventional wisdom … Continue reading What’s the Problem with Having a Car Payment?

Our Biggest Debt Is One We Could Never Pay

I'm very much an advocate of getting out of debt, you're probably aware of that if you've perused my site. I thoroughly believe in paying off our creditors and freeing ourselves from the bondage that debt brings. Nearly all of the debt in our lives comes from the choices that we made. But one debt … Continue reading Our Biggest Debt Is One We Could Never Pay

Money Won’t Solve Your Financial Problems

It's easy to think that if we earned just a bit more money, we'd be able to get ahead; that a few hundred dollars more a month will do the trick, or that a six-figure income is what really makes becoming wealthy possible. But contrary to popular opinion, that's simply not true. You may have … Continue reading Money Won’t Solve Your Financial Problems

Five Facts About Identity Theft And What To Do About It

The idea of having your identity stolen is terrifying. The fact that someone can literally take your information and pose as you to fraudulently conduct transactions can leave us feeling very vulnerable and violated. Identity theft is one of the fastest growing criminal activities in our world today, and it's not going away any time … Continue reading Five Facts About Identity Theft And What To Do About It

The Not-So-Secret Tool That Will Help You Become Wealthy

There's a misconception that people who become wealthy these days somehow got there through special knowledge, sophisticated investment strategies, or (most cynical of all) by "stealing" from other people. All of the above things are untrue, and are demonstrably untrue thanks to Chris Hogan's study of over 10,000 American millionaires. The steps to achieving wealth … Continue reading The Not-So-Secret Tool That Will Help You Become Wealthy

5 Ways to Go to College and Graduate School Debt-Free

One of the common beliefs in our culture about post-secondary education is that it is impossible to attend an institution of higher learning without accruing debt. Quite simply, that's nonsense. There are plenty of ways to cash flow and fund your education without sacrificing your future earnings to loan payments. Here are five ways to … Continue reading 5 Ways to Go to College and Graduate School Debt-Free

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