saving for a home

5 Steps to Saving for a Home

With interest rates going up, I anticipate a lot of calls in the next few weeks and months from clients anxious about whether they should try to buy a house now before mortgage rates start to rise. (First, the answer is probably no: Interest rates aren’t rising that fast, so there’s no reason to worry…

Do I suck for having debt

Do I Suck for Having Debt?

There is so much shame attached to money problems, and debt in particular. “I should have known better…” “How could I have let it get this far?” “I’m so irresponsible…” “I can’t be trusted.” Whenever I speak with a potential client who is struggling to pay off debt (and it doesn’t matter how big the…