The Riches of Choice

In We Are All Weird, Seth Godin describes being rich as having choices. When you have choices you have influence over your own world. When you can choose whether to eat Cheetos or celery, buy a new car or repair you old beater, fly to see family or drive cross country, save more for retirement…

Emotions of Money: Let Fear Motivate

Looking back at my 20s my approach to money was really a non-approach. It just happened. I worked, money magically appeared in my bank account every two weeks and I not-so-magically spent most of it shortly after. I never spent more than I had, but I sure did spend most of it. I’m pretty cheap…

Emotions of Money: Banks Love FOMO

Driving to Costco the other day I saw a billboard that read, “You deserve a break! $5,000 personal loan only $99 a month.” The background showed a skiier in fresh powder with a huge smile on his face. Are your friends going skiing this winter? Or to Europe this summer? You don’t want to miss…

Emotions of Money: Money Isn’t Emotional, You Are!

I’m fascinated by the internal emotional worlds within each of us. That’s probably why I managed to get a graduate degree in counseling. Our internal worlds impact everything we do. From our willingness to take risks, our ability to pursue healthy relationships to how we spend our money, time and gifts. Off and on I…

Can I Afford College? If Cash < Tuition/Room& Board = NO

Here’s how to calculate college affordability: $_______Cash Available for Tuition (family, scholarships, grants) NO – student loans don’t count as cash –  $_______Cost of College (tuition, room & board) = $_______Affordability (if a positive number you’re golden. if negative you get to change strategy) Add up all the cash you have, cash you’re going to…

a trillion dollars

$1,308,193,507,715 does that number even make sense to you? yes, that’s one trillion three hundred billion, one hundred ninety three million, five hundred seven thousand seven hundred and fifteen dollars. it’s the total amount of student loans in the u.s. as of 9:33am eastern time on march 21, 2015. oh wait, it just went up.…

suck it sallie mae

so, i’m not a fan of debt. that’s a relatively new development in my 35 year tenure on this earth. i was a good student in high school. made a’s, national honor society, etc. i was decent at math. but for some reason when it came to making the largest decision of my life at…