“Education is the passport to the future, for tomorrow belongs to those who prepare for it today.”  - Malcolm X Things are changing fast. We know so much more today than we the previous generation knew at this point in their lives. But it’s too much.  As we...

Financial wellness is a lot like personal finance; it’s in the eye of the beholder. You’re financial desires could be focused on accumulating millions, while mine could be focused on finding security and increasing certainty.  One’s idea of being financially well...

There are literally hundreds of potential budget categories you could track. If you’re looking for an exhaustive analysis of those hundred categories, you’re in the wrong place; turn back now.   If you’re looking for a breakdown of the most common and...

“Our duty is to encourage everyone in their struggle to live up to their own highest idea, and strive at the same time to make the ideal as near as possible to the truth.” -Swami Vivekananda I want to let you in on a secret.  You know how you look at other people...

It sucks to have no money.  Systemic poverty is present all over the world and all over our Country.  Close to half the people on Earth live on less than $5 a day.  Almost half of Americans are living paycheck to paycheck, which means they’re...

I’m going to show you how to get out of debt and become financially secure in these 7 steps Know your “facts.” When talking about personal finance, your facts are your current financial situation, meaning your cash flow and budget.  Know yourself. It’s imperative...

Do I need life insurance?   Like the answer to many good financial questions, the answer is, it depends. But you probably need it.   Do you love someone (or something)?  Do you owe someone (or something)?   Do you have a family,...

The fact that almost 65% of Americans are living paycheck to paycheck violates one of my first principles of personal finance; spend less than you make.  It’s also a perfect example of the behavior gap. Meaning, having an intellectual understanding of something,...

One of my favorite teachings of Jesus is the parable of the talents.  In it, Jesus shares a story meant to illustrate the importance of putting all of your God-given gifts to work, and to take risks.  Failure to do so results in negative judgment.  This...