savings

How to Be "Financially Responsible"

How to Be Financially Responsible | The Basics of Financial Responsibility

One of the most frequent financial struggles that people talk to me or email me about is having trouble being "fiscally responsible".

When it comes to doing the things one ought to do with their money, according to what I've learned from the industry and society at large, we fall short in a few common ways. Most people have trouble saving when you know you should save, curbing spending on bull shit that you don't need and understanding how the financial markets and economics. I get it. I make weird choices too. A lot of us do it because we're emotional creatures that act on our feelings

 

How to Be "Fiscally Responsible"

One of the most frequent financial struggles that people talk to me or email me about is having trouble being "fiscally responsible".

When it comes to doing the things one ought to do with their money, according to what I've learned from the industry and society at large, we fall short in a few common ways. Most people have trouble saving when you know you should save, curbing spending on bull shit that you don't need and understanding how the financial markets and economics. I get it. I make weird choices too. A lot of us do it because we're emotional creatures that act on our feelings

 

Why You Need An Emergency Fund.

Why You Need An Emergency Fund.

There are plenty of people who don't have an emergency fund. In fact, nearly 30 percent of Americans don't, according to a report by NeighborWorks America

70 percent of Americans who do have emergency fund savings are lucky. Better yet, they're #blessed. It is a fucking luxury, just like an overpriced Yeezy hoodie. The reality is that it's just not a reality for everyone, unfortunately. 

The Virtue of Retirement Savings: How Much Should You Save?

The Virtue of Retirement Savings: How Much Should You Save?

Not everyone can save for retirement because they're can barely get by.  So for the those of you who can, this is a privilege you should take advantage of. Those of you who think you can't, do the numbers and see just how short your savings are. Even if you're a disadvantaged player in the system, operate with as much knowledge as possible. Use the calculator to understand how much you'll need in retirement and how much you should be saving each month.