2,000 survey respondents agree on a few things — It’s unsurprising that Americans, much like the rest of the world, are feeling the need to ‘do better’ when it comes to managing finances. With soaring gas prices, high inflation, and sky-high rent, the answer to many people’s problems are more complex than ‘better personal finance’. But there are things…

Anchoring, the endowment effect, and herd mentality — While some of us are pretty disciplined when it comes to spending, some of us are more impulsive, and that’s not entirely our fault. There are some important reasons why we tend to spend more than we need to, and being aware of them can help make us more mindful…

Our own mistakes are harder to see than other people’s — Self-editing is hard, but we can’t all afford a personal editor to read over every blog post, Medium story or long-form social media post. Nobody gets it right all the time. As someone who writes a lot, these tips help me get it right more often than I otherwise would. Always put your work away for a while before editing …

You’re financially closer to a homeless person on the street — It’s slowly becoming apparent to me why people defend billionaires, and see nothing immoral in the way they operate. It’s not just that they too aspire to be billionaires. It’s that they genuinely think they have something in common with them. When journalists criticise billionaires, and point out how immoral…

Those who think there is, don’t understand the scale of the problem — Once again, there has been a terrible, tragic, life-altering mass shooting in the USA. Once again, it was in an elementary school. Once again, children lost their lives. Families were destroyed. Politicians sent thoughts and prayers. …

If you want to live cheap, try to be rich — It’s no secret that it’s expensive being poor. At the most obvious level, when you’re poor you don’t have money, so you have to borrow it, which is expensive. It’s hard to pay money back when you’re poor, so your credit score can suffer. …

When you know better, you spend better — Money can’t but happiness, they say. But they’re wrong. Money can definitely buy happiness, but only if you spend it right. Here’s exactly how to do that. Financial security is the first step While having lots of money doesn’t guarantee happiness, not having enough to meet basic needs is stressful, traumatic, and pretty much guarantees unhappiness…

Or is it your worst nightmare? — There is no doubt that, for most Americans, housing is one of the biggest monthly expenses, if not the biggest. It’s not just the rent or mortgage, but also the property taxes, insurance, utility bills, repairs, maintenance and other expenses. While it’s not for everyone, tiny home living has been…

Charge what you’re worth — not what you think people can afford — A conversation evolved in one of the small business groups I’m in recently. I should point out that I am a freelancer, and the people in the group are mostly freelancers, coaches, online educators or content creators. …