The Ten Bulls Revisited

Over the course of the last decade, I’ve seen my perspective on financial issues change radically many times. I started off as a person who

stars at night leaving circular trail

The Locus of Control

Let’s start off by talking about exactly what a “locus of control” actually is. From Wikipedia: In personality psychology, locus of control refers to the

dumb and dumber

Simple Ways to Save $$$ on Car Insurance

If you’re in a hurry, the moral of the story is simply this: Know your coverage, and MOST IMPORTANTLY shop around for the best rates

markus persson

Some Thoughts on Markus Persson, Wealth, Goals, and Life

Many people who have their finances under control have some pretty strong personal finance goals. They want to retire quite early, a goal that for

35 candles on birthday cake

What Turning 35 Taught Me About Money

Earlier this year, I turned 35. After what seems like a whirlwind, I am not only the mother of a preschooler and first-grader, but 10 years

Nicolas Berggruen speaking

Some Lessons from the ‘Homeless Billionaire’

Over the past several years, a number of media articles have popped up that discuss Nicolas Berggruen, a person known colloquially as “the homeless billionaire.”

cooking with Le Creuset pot

How to Find Luxury in a Financially Responsible Life

Being financially responsible in the modern world comes with a particular set of challenges. One of them is the fact that we are, as a

women gossiping

The Power of Not Caring What Anyone Thinks

Just last month, I said yes to a speaking gig at a Chamber of Commerce meeting a few towns away. I said yes even though

woman getting dermal injection

What to Do With $1,000 Now? Figuring Out if Personal Finance Advice Makes Sense

If you caught yesterday’s post, you know that my daughter recently had surgery and I’ve been spending time at the hospital with her. Today, while

balloons in a young girl's hospital room at UVA Childrens Hospital

On Money and Personal Challenges

As I write this, I’m sitting alone in a hotel room. My daughter had a five hour surgery this morning (and early afternoon) that comes

five pillars

The Five Pillars of Personal Finance

Most of the personal finance advice you find out there, such as investing strategies and frugality tactics, rests on the back of a number of

start and stop buttons

Persistent Starting, Personal Finance, and the Rest of Your Life

So, like most people my age in the sandwich generation, I have this long list of things I’d like to do but never seem to

young man holding piggy bank

If You Have Savings In Your 20s, You’re Doing Something Right

A few days ago, I read an article containing the absolute worst financial “advice” I’ve ever read. I don’t want to reward it with a

single man

If I Were Single

Marc writes in with an interesting question. I’ve been really enjoying your articles and have read many articles in the archives over the past week.


The State of Denial

I’ve been an avid journaler since I was about 12 years old, meaning I have about 25 years of pretty clear personal history out there. I



“If” is the single most important word in personal finance. It’s the word that everything hinges on, and it’s also the reason that, in the

arches national park at night

Profound Life Experiences… on a Budget?

Kellen wrote in with a very thoughtful question that I wanted to address in detail: I’m currently in that stage of life where I have

AAA driver helping woman with broken-down car

Four Emergency-Fund Substitutes – and How They Stack Up to Cash

Many services act as emergency funds, in a way — insurance, basically — for very specific situations. In exchange for a monthly or annual premium, these companies

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