THE EXHUASTION OF OPTIMIZATION

I love to analyze things and enjoy looking at the math behind different concepts.  While I find it interesting I also find it exhausting and I also find the idea that everything needs to be optimized exhausting. This is in response to the endless arguments in personal finance.  These arguments include budgets and whether they […]

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HOW TO CALCULATE INTEREST

This is probably super boring for most of you but if you are reading this you must have some interest, no pun intended (OK maybe), in understanding how the interest you are being charged is calculated.  When we started paying down our debt it was important for me to understand the effect of our interest […]

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Our Story on the Breaking Student Debt Podcast

We were recently on the Breaking Student Debt Podcast sharing our story of paying off $107K in 33 months.  I fully recommend you check it out and other episodes of this great Podcast.  The host is currently working to pay off his $160K loans which might resonate for those looking to find others currently working […]

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LEARN TO DRAW THE LINE

One of the critical mindsets that one develops when making strides in their personal finances is the ability to draw the line and not go past it.  This ability to just say no is where your written plan/budget becomes real and is reflected by your personal behavior.  When you draw the line and stick to […]

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US CREDIT CARD DEBT AND YOU

Americans now have the highest amount of revolving credit card debt in US history.  This is horrible news for our present and future.  While consumer spending helps keep the economy moving this amount of credit card debt takes a toll on each person who is stuck in its grips.  Credit card debt has a high […]

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