The personal “re-birth” stories of many personal finance bloggers on the web looks very similar: a crisis triggered by unmanageable debt, the “come to Jesus” moment, and the redemption, usually through hard-won frugality, thrift and penny-by-penny savings. The virtues usually extolled are the need to get out of debt, the importance of understanding the math behind money, and of course, the magic of compound interest in investments.

Continue reading “Financial Nonprofits – A Unique Example”


This post is respectfully dedicated to the memory of Chief Petty Officer Shannon Kent, the first American female service member to die in combat in Syria.

Quick, what are the three biggest financial items on your mind right now? Chances are that if you’re like most people, your list probably looks like this:

  1. Paying down debt (whether a mortgage, car loans, student loans or credit card debt)
  2. Retirement savings (or lack thereof)
  3. Protecting from the risk of bad things happening

Continue reading “The Missing Piece – the Case for Objective Credit Advice”


If I stopped you on the road and asked you the one thing that was characteristic of managing money, what would say? If you’re like many people, chances are you probably said “the math” or “the complexity” of tasks and decisions involved in managing your money. In fact, entire industries have come into being, and making very good profits, thank you very much, premised on this fundamental construct that effective finance means complex finance.

Continue reading “Just “Kiss” The Problem Away – Why Simple Is the New Black”