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This is why many people feel as if they're working and still sliding.And I think that's where a lot of the arguments abo...
10/06/2026

This is why many people feel as if they're working and still sliding.

And I think that's where a lot of the arguments about money are missing the point.

Of course people are responsible for their own choices, and of course smart budgeting and avoiding unwise debt and learning the value of saying no is important. No one is being helped by suggesting that none of it matters.

But we have to be realistic about what causes financial stress for average Americans.

For many people, it's not a case of discretionary spending outpacing their income. It's a situation where rent, groceries, insurance, car payments, medical bills, utilities and other things all decide to come due at once, and the advice they need isn't coming from somebody who bought a home in an era with wildly differing costs and wages and insurance premiums and interest rates.

Not that past generations didn't have their struggles, or that they didn't sacrifice massively to provide for their families, or that they didn't have difficult choices to make regarding their careers or living situations.

But I think we have to admit that giving someone living in 2026 financial advice based on how things were done in 1995 is potentially incredibly irresponsible.

The right answer isn't that people should just stop buying coffee, or that everyone should give up their subscriptions, or just stop entertaining themselves in whatever way they do. It's more nuanced than that.

The right answer is making smart financial decisions, budgeting carefully, and learning to be as efficient as possible with your time and money, without spending more than you make. It's avoiding as many discretionary expenses as possible, and making sure that you don't spend more money chasing an item than you would on just purchasing it. It's planning for your future self, making smart decisions today that make your life easier later. It's having boring, normal jobs that still pay well, and sacrificing now to enjoy later. It's a lot of things.

But the reality is a lot of people are stretched too thin, and could use a reminder not to overextend themselves. And I think we should all be careful about brushing aside their concerns in favor of lecturing them about how they just don't know how to budget properly.

A 3% raise sounds nice.$500 on the side can improve your financial situation exponentially quicker than that.Here's the ...
10/06/2026

A 3% raise sounds nice.

$500 on the side can improve your financial situation exponentially quicker than that.

Here's the math that no one puts out there for you

$500/month = $6,000/year

For that 3% raise to equal $6,000, you’d need to already be making $200,000 a year.

Now, the side of money is also real, there could be expenses and taxes, and obviously your time is valuable. I am also not suggesting that everyone work themselves into the ground right after they clock out of work.

The point that I am making is that people tend to put all of their eggs into one basket when it comes to extra income.

Sometimes the best thing to do is build a second. An extra $500 can go a long way, and might even help you reach your financial goals such as:

• Paying a car payment,

• Paying groceries,

• Roth IRA contributions,

• Extra debt payments,

• Part of a day care bill,

• or just maybe give yourself some breathing room each month.

And unlike waiting on your employer to decide how much your labor is worth to them, increasing your income from somewhere else gives you another tool in your belt to get where you need to go financially.

Your salary is important,

but your ability to make money outside of it can be more so.

Who can enlighten us on how we are supposed to juggle jobs from 9 am to 5 pm, work out 3-4 times a week, cover 10,000 st...
10/05/2026

Who can enlighten us on how we are supposed to juggle jobs from 9 am to 5 pm, work out 3-4 times a week, cover 10,000 steps, cook nutritious food, keep the house clean, enjoy family life,

and still make time for friendships, 8-10 hours of sleep, self-improvement and learning new things, hobbies, health maintenance, and not feel entirely burnt out?

The list of what we ‘ought to’ is growing at an ever-increasing pace, and the hours in the day remain the same. Someone is bound to be sacrificed, and that’s normally the ones juggling everything.

A neighbor who makes $65k opted out of work after her second child. Her daycare cost for the baby and toddler came out t...
10/05/2026

A neighbor who makes $65k opted out of work after her second child. Her daycare cost for the baby and toddler came out to about $2,650 a month.

After tax deductions, this was almost all she had left. The only way for her to work full-time and make any money is if she takes home a couple of hundred dollars every week after paying for daycare.

These are the kinds of situations we’ve allowed to happen where two people working means one person’s income goes to pay for childcare.

Spending $50,000 in order to have a 10-hour wedding is not romantic. It's only expensive drama.The pictures are beautifu...
10/05/2026

Spending $50,000 in order to have a 10-hour wedding is not romantic. It's only expensive drama.

The pictures are beautiful. The memories are real. The payments made each month for the next several years will be equally real.

A lot of marriages are doomed to failure even before they begin since on that day everything was expected to look a particular way.

It does not help the marriage become any stronger by starting off with such a heavy burden on their shoulders.

With the "FREE" month being offered, the companies should not have the right to ask for your card details straight away....
10/05/2026

With the "FREE" month being offered, the companies should not have the right to ask for your card details straight away.

The "free trial" plan is designed to make you pay once you forget to cancel it. The card itself becomes their product.

The offer is not about offering you a free month; rather, they are relying on your friction and forgetfulness and assuming that you will continue paying.

A real free trial would not need your payment details until you choose to stay with them.

Sometimes when nothing happens can be the greatest gift of all.There is no crisis, no surprise bill, no horrible telepho...
10/04/2026

Sometimes when nothing happens can be the greatest gift of all.

There is no crisis, no surprise bill, no horrible telephone call, the car starts, everyone is fine.

Everyone gets home safely. Do not take a mundane day for granted. That is the day we should be most thankful for since the cost is high otherwise.

Once your house is paid off, property taxes should not make you leave it behind.A person who is eighty-five years old on...
10/04/2026

Once your house is paid off, property taxes should not make you leave it behind.

A person who is eighty-five years old on a fixed budget should not be made homeless because of a hike in the property tax bill by $12,000. This is not ownership.

Ownership means that you would stop paying for something that is already yours. For most senior citizens, this is not always the case.

Dad purchases property for $100,000. The current value is $5 million.If he sells, it will be subject to a large tax. But...
10/04/2026

Dad purchases property for $100,000. The current value is $5 million.

If he sells, it will be subject to a large tax. But he can get a loan against the property; loans are not taxable, only income.

He takes out loans for many years to live off of. Then when he dies, the kids receive the property at the increased value of $5 million and they sell without owing any taxes to the government.

That $4.9 million appreciation is lost to the tax system. This is one of the primary means that wealthy families have of avoiding taxes and passing along wealth.

The system favors ownership and borrowing much more than income.

Large company: “We made $10 billion, but after all costs we only made $100 million in profit.”IRS: “Taxes on the profit....
10/04/2026

Large company: “We made $10 billion, but after all costs we only made $100 million in profit.”

IRS: “Taxes on the profit. Fair enough.”

Average Joe: “I made $75,000 but $65,000 was just keeping me above water.”

IRS: “Taxes on the whole $75,000.”

Businesses are allowed to subtract their operating costs from their profit. Individuals must pay taxes on the gross and then sort everything else out.

This is an extremely uneven system.

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