Don't waste time and energy on things that create an illusion of financial progress. Instead, make slow and steady steps toward wealth. One step at a time.
The Shortest Path to Wealth is a Boring Straight Line
Cash-Flow is Your Most Powerful Wealth-Building Tool
Learn how positive cash flow can have the same impact on wealth-building as hundreds of thousands of invested dollars by creating Disposable Income.
How to use Conscious Spending to Free Yourself From Guilt
Find out how Conscious Spending removes guilt from buying the things that bring you joy, while simultaneously achieving your financial goals.
The First Thing You Should Buy After The Pandemic
The global Coronavirus (COVID-19) pandemic won't last forever. When it is over, the first thing you should buy is an emergency fund.
How (and Why) to Apply the KISS Principle to Your Finances
Apply the Keep It Simple Stupid (KISS) Principle to your finances. Managing your money should be easy, and never buy a financial product you don't understand.
3 Things to do Every Year to Take Control of Your Finances
Every year you should fully comprehend your income, separate recurring expenses from personal spending, and decide how much positive cash flow you want.
Stop Buying Your Own Money
Bank fees are big business, but your bank sells your money to other people for a profit. Find out why it's important to stop buying your own money.
How to Find Room for Savings in Your Budget
Learn how to use three areas in your undetailed budget to find opportunities to increase savings: Income, Recurring Expenses, and Personal Expenses.
Why It Is Important to Plan For Budget Cheat Days
Find out how planning for Budget Cheat Days can combat the Abstinence-Violation Effect and Failure Cascades that sabotage your long-term financial health.
Why Cash Flow is More Important Than Wealth
Without positive cash flow, it is impossible to build wealth.