motivation

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

 

Finance + Feels: Get to Know Yourself

You want to get your financial shit together and you don’t know where to start.

There is an endless amount of contradictory advice available to you in the depths of the internet. Most of it is mindless, thoughtless bullshit about your 401(k) and it overwhelms you.

There are so many different moving parts. And each part feels like something you should do, but you don’t understand why or how it relates specifically to your human life.

So before we ugly cry about how we’re failing at our money stuff, let’s tackle the only subject that might be more terrifying than our money: the inner terrain of ourselves. Ah, yes.

Inner inquiry and self reflection is where the ignorant go to become wise. So once you learn how to do this heavy lifting, the math part and the part about learning the rules some dudes made up about IRAs and brokerage accounts and taxes, all of that won’t seem so frightening.

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

 

How to Price Your Services

If you work for yourself or dream of working for yourself, I'm sure one of the motivating factors is to make a profit. Making a profit can depend on a lot of different factors. Some of those factors are outside of your control like the market and the competition. You can move the needle on other factors like leadership, management, location and the number of locations. But one of the most important factors that have a direct impact on your profit is pricing. Pricing is how much you charge for your service.

Understanding Student Loan Consolidation

Alright, student loans. These wonderful and horrible tools that allow people who can't afford an education to pay for one by simply mortgaging their future. Ah, the American way. If you're one of the unlucky and you've been avoiding doing the leg work and mental work when it comes to consolidating, this is for you.

Where Are You At? The Mid-Year Financial Gut Check.

If our calendar year could be compared to a basketball game, we're at about half time. Halftime is a chance to pause and reflect. What's the score? How is the other team playing? How are you playing? You probably went on the court with an objective. Maybe the objective is to win. Or maybe the object is to not lose by 30 points. Whatever the objective is, now is the time to take stock of the score, your performance and how you can make adjustments to finish strong.

The Minimalist Guide To Finances: The Anti-Budget

Most of American society has had a pendulum swing from rampant consumption to mindful curation. The reasons are likely both by design and by default (The Great Recession). If you're like me, you've at least haphazardly implemented the KonMari method in your home. You've thrown out all your 8-year-old underwear and dusty text books. Now it's time to overlay this philosophy in your financial house.