personal finance

Let's Talk About Your Credit Card Debt by Paco de Leon

Before I dive into credit card debt, let's talk about luck, personal responsibility and the role they both play in having your finances in order. I only bring this us up so we can go into this conversation with proper perspective. 

It's important to understand that having your finances in order is first a matter of luck and then a matter of personal responsibility. 

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Clarity in the New Year. by Paco de Leon

The start of a New Year is a beautiful time. It's full of potential; a natural inflection point; a pause. Whether it's true or not, it feels like everyone is focused on reflection and intention. We're all making space for ourselves and with that comes giving space to others. And that space allows us clarity, if we choose to seek it.

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The Importance of Knowing Yourself by Paco de Leon

A lot of smart people before us have stressed the importance of knowing one's self. Ancient civilizations of our world, thought leaders and philosophers have touted the virtue of this. This still persists today. Depending on who you ask and what school of belief you subscribe to, knowing yourself has been framed as the literal meaning of life. 

Self examination plays a huge role in your personal economics. Knowing who what you value and what has influenced impact your decisions and your goals 

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Why You Need Year-End Tax Planning with Your Accountant by Paco de Leon

Full disclosure: I'm not an accountant. I just get to hang out with them, which makes me dangerous to myself and others. This isn't tax advice. It's advice to seek tax advice.

We should all show our accountants some love. They bust their asses reading, interpreting and applying the tax laws. They file our taxes. They walk through the fire of dealing with the IRS and other tax authorities. And they help us at the end of the year with tax planning.

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Why You Need An Emergency Fund. by Paco de Leon

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. 

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