Published in The Post-Grad Survival Guide·PinnedMember-onlyHow I Paid Off $14,383.15 of Credit Card Debt in 366 DaysAnd managed to buy a house at the same time — While most people awoke the morning of January 1st, 2020 — blissfully unaware of the dumpster fire ahead — I awoke in a panic. No, I was not some psychic capable of predicting the horrible events of 2020, I awoke in a panic because of another number. $14,383.15 After a…Debt11 min readDebt11 min read
Published in The Post-Grad Survival Guide·PinnedMember-onlyDon’t Quit Your Job (Build a 5-to-9 Instead)How to find the time you supposedly don’t have for your side gig — I get it. You hate your job. You wish you could do something more meaningful with your life. You want more freedom, blah, blah, blah. If it were 2015, I’d probably say something like “Quit your job! Follow your dreams! Who wants to die shackled to their cubicle?” When I…Entrepreneurship6 min readEntrepreneurship6 min read
Published in Simple Fiscal·Jul 2, 2021Member-onlyForget Dave Ramsey, The Second Law of Thermodynamics Already Says to Have a Rainy Day FundLet me tell you about a little thing called Entropy — Expect the unexpected. That might be from a car commercial, it might also be the single most important piece of advice you can drill into the malleable minds of a young adult, fresh off the adolescent conveyor belt. Without getting too sciencey on you, the Universe is hellbent on causing…Budgeting6 min readBudgeting6 min read
Published in The Post-Grad Survival Guide·Jun 10, 2021Member-onlyThe No-Nonsense Guide to BudgetingLive within your means, tackle debt, and start saving some cash — To many, budgeting is a tedious task of number crunching and filling out spreadsheets. To some, it brings about a sense of existential dread and the sad realization that money never seems to stick around for long. But budgeting, when you think about it, is nothing more than personal accounting…Personal Finance12 min readPersonal Finance12 min read
Published in Simple Fiscal·Jun 1, 2021Member-onlyHow Much Money Should You Charge as a Freelancer?A simple-ish guide to demanding better rates — It was my first day of self-employment, I had just walked away from my corporate job a mere hours earlier and found myself on a video call with a potential client who needed a new website. I pitched them my ideas, we discussed deliverables, and settled on a timeline. Then…Money7 min readMoney7 min read
Published in Simple Fiscal·May 25, 2021Member-onlyIs Term Life Insurance Better Than Whole Life Insurance?Depends who you ask — I have this habit of texting my accountant friend Alex anytime — and I mean anytime — I stumble across a money thing I don’t quite understand. Being that he’s an accountant and a money nerd and my friend, Alex is prompt and knowledgeable in his response (which is my…Life Insurance6 min readLife Insurance6 min read
Published in Simple Fiscal·May 15, 2021Member-onlyBetter Your Chances and Start a Mastermind GroupSolo-preneurship is hard unless you find the right people — There’s no lonelier feeling than telling your friends and family that you aren’t “going back to your desk job” because you’ve decided to go forward with your entrepreneurial plans. “But what about a steady paycheck?” “How will you pay for health insurance?” “Are you sure?” Sure, they were all for…Entrepreneurship5 min readEntrepreneurship5 min read
Published in Simple Fiscal·May 11, 2021Member-only“Can I Pay You in Bitcoin?”What to do if your client pops the question — It might happen sooner rather than later. You’ll finish up a project with a client and they’ll pop the question: “Can I pay you in Bitcoin?” As a solopreneur you know how important it is to get that next check, but what if it’s not a check? What if it’s…Bitcoin6 min readBitcoin6 min read
Published in Simple Fiscal·Apr 23, 2021Member-onlyLike Knives, Debt is a Powerful Tool When Wielded CorrectlyDebt financing ideas for small business owners — I’ve spent the past 15 months paying off over $30,000 of consumer debt. My wife and I are relieved that we’re no longer shackled to nearly $2,000/month payments anymore. Needless to say, when I hear the word debt, I don’t feel warm and giddy inside. There is a lot of…Debt6 min readDebt6 min read
Published in Simple Fiscal·Apr 16, 2021Member-onlyDon’t Become a Solopreneur Without Mastering Financial ResponsibilityA financial stability checklist — The black metal box wasn’t a safe, per se, but for 15-year-old me, it protected my entire net-worth nevertheless. The day I cracked three figures, I kept opening and closing my little black box, counting and recounting the cash inside, exhilarated that I had finally earned more than $100 from…Finance6 min readFinance6 min read
