Why Personal Finance Is Doomed To Fail You

Traditional money advice sometimes bugs the crap out of me. Imagine what we’ve been going through these past several months — nothing that “traditional” personal finance can really speak to there, right? So-called money experts often come up with these silly ideas that are supposed to help you get control of your money. Did you…

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What’s Your Financial Excuse?

Financial habits are just as difficult for some people to make and break as any addiction or other bad habit. Yet others can change their habits quite quickly and effectively. Do those people just have more willpower?  Are they smarter? Are they somehow better than the rest of us? Nope.  In Gretchen Rubin’s book, Better…

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Are You TRYING to Fail at Money???

Nobody wants to fail.  Not consciously anyway. But sometimes not changing is easier than changing. We’ve all experienced this, right? It’s easier to stay in bed than get up and go for a run. It’s easier to leave our money in the old company 401k than figure out what to do with it. It’s easier…

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Your Brain Is Wasting Money

We often think about our brains as the ultimate authority, the ultimate truth. But, as it turns out, sometimes they are big, fat, liars. They like things the way they are now — even if you have other goals to change your habits or create new ones. In fact, our brains will tell us some…

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Are You Smart About Money?

Over the many, many, MANY years I’ve been in financial services, I have learned some stuff. There are people who think they are “smart” about money and who might know some stuff, but who I wouldn’t consider smart. There are people who feel clueless and are doing very well. I like to compare this to…

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A Money Date Could Save Your Marriage

All couples argue, but what are couples fighting about the most? According to a survey from the American Institute of CPAs, money is the most common reason married or cohabiting couples fight. Of over 1,000 American adults polled, 27 percent of participants said that disagreements over finances were most likely to erupt into an argument…

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How Do You Merge Finances?

Merging finances when you’re part of a couple is NOT easy, and it’s also not instantaneous.  I know a client who took almost a decade to merge their money – it was a second marriage for both of them and they were very cautious. You will never agree completely with your partner on how to…

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How Love Can Drive Spending Up

A few weeks ago I suffered the indignity of having my car break down on me! Actually, it wasn’t a bad experience at all…people kept stopping to ask if I needed help; it was a rare, sunny Seattle day; and other than missing a phone appointment I had been looking forward to, nothing in my…

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