Credit Carbs

Credit has become the carb of the financial world. We know it’s not good for us in excess, yet we stuff our faces at the slightest hint of temptation. Using credit outside of our ability to pay a monthly balance in-full leaves us bloated, guilt-ridden, …

Love Your Kids? Let Them Struggle.

**Originally published on The Huffington Post – February 7, 2017** “What do you do when your girls are texting you to put money in their account?” This was the first question asked by a group of parents at a college parent night where I had …

Valentine’s Day Costs WHAT?

About $19.5 billion was spent on Valentine’s Day last year. Hard to believe that we pour that much money into a holiday designed to show loved ones we care about them.  Even spending $100-$200 on this special day can put a serious hole in your budget …