Why you shouldn't count on the economy to make you rich.

Unemployment is historically low. The stock market is producing unprecedented returns. Banks are paying out great interest rates. Income taxes are reduced.   That's great, but why are we all still broke?   Here's the lessons you need today to prosper tomorrow. My parents grew up poor. I do not write about other people's stories [...]

7 Steps To Buying Your First House

A majority of Americans want to buy a house someday. But how can you pull that off with our stagnant wages and student loan debt? Here's the 7 crucial steps you must do to qualify to buy a house.   Disclosure: Yes, I am a mortgage lender. No, I am not writing on behalf of [...]

0% Interest = Same As Debt

This morning, I was standing at my favorite hardware store buying paint and happened to overhear their morning staff meeting. One of the items that they focused on was encouraging their staff to promote the store's credit cards for their Fourth of July sales that are about to begin. I screamed inside. Do you know how [...]

Year Two: How much I paid off in 2017.

As the year 2018 approaches, it’s time to recap what kind of financial progress I made in 2017.   Spoiler: It was a good year to be my financial plan. #SorryNotSorry   For those of you who joined my journey this year, I started working to get out of debt in October of 2016 after [...]

Lenders Aren’t Your Best Friends. They’re Businesses.

After working nearly a decade in personal finance and consumer based lending; I have learned one crucial fact that I employ daily in my own private life: Getting “approved” for a loan will never mean that you can actually afford the loan.   Here's why you need to live by this rule. Getting “approved” for [...]

Cell Phone Payment Plans Are Awful.

Remember the days when you could drive down to your local cell phone store, flip open a few phones, play with features, and walk out with a FREE cell phone? I do. And after this year, I miss them. Here's our story on how a bucket of clams cost us hundreds of dollars, what we [...]

All Dogs Go To Heaven

Not all of my "millennial money" goes to avocados, and my credit card debt wasn't frivolously spent on coffee. Here's my story on when life hit me hard, and I had to make a choice.