I recently discovered that instant oatmeal isn’t as good for you as non-instant oatmeal because the fiber has been processed out of it. Still, it’s a breakfast staple around our house. Onto the personal finance topics…

Broke-Ass Student Just Got A Whole Lot Broker A collection agency with a really shady reputation sues a college student over an unverifiable debt. In other words, this is one interesting story. (@ broke ass student)

Opening A Roth IRA At Vanguard Opening a Roth IRA at Vanguard is rather tough, because each fund has a $3,000 minimum and you have a $4,000 maximum annual contribution. In other words, my Roth IRA plan basically involves me investing in one fund a year for the first four years, then eventually balancing them through additional investment at my balancing rate. (@ an english major’s money)

My $70 Night Out At A Potluck Dinner Remember, even when you plan for frugality, it can end up costing you. Things like this are why budgets need some flexibility (or why you need an emergency fund). (@ penny foolish)