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Even a $12 Big Mac meal can now be split into four $3 payments with Buy Now Pay Later (BNPL). It started with big purchases like TVs or laptops. Now people use it for everyday needs like groceries, gas, and […]

“If it isn’t automatic, it’s aspirational.” This is a practical, copy-paste system to put your money on rails. You’ll set up four simple buckets, run your paycheck through a cashflow cascade, and keep it all tuned with a 15-minute weekly review. […]

I’m not here to urge you to stop buying necessities or to stop enjoying life. That is not what saving is about.Saving involves setting away money now to prepare for whatever life throws at you, whether it is good or […]