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For Folks with no Free Time

If you focus on identifying the best opportunities to affect your personal finance, you can profoundly improve your life without wasting time. And those best opportunities are…?

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Living on Minimum Wage

I assumed I’d need to “trim some fat,” but that my thrifty budgeting habits would largely be adaptable to a significantly lower income. I was very wrong.

aerial view of people surfing on big waves

Preparing For a Second Wave

History suggests we need to plan for a second wave of the pandemic. Or don’t—it’s your call. I hope you’re right. But I’m not planning on it.