
Millennials: The Most on Its Own Generation
Millennials are the most over-analyzed generation ever, and perhaps with good reason. As they now outnumber baby boomers, they are today’s style and thought leaders. And without doubt, their love

Do You Follow Passion or Money? Which is Right for You?
I was fortunate enough to create my dream job. Following my passion, I worked for many years as a residential real estate developer until it was taken away from

Can We Get Past Our Differences to Meet on Common Ground?
Contradictory Truths I used to be a news junkie. Since COVID struck, I cut back for a number of reasons. Some practical, like there isn’t enough time for news

Gain All the Benefits of Retail Therapy Without the Expense
Shopping Makes Us Feel Good and Bad I’m not much of a shopper, but my downstairs tenant is. Even before COVID, she was missing days from work for health

The Pandemic and Holiday Shopping
It’s holiday shopping time. How have your shopping habits changed during the pandemic? If you’re typical, you’re spending less in stores and more online. During spring lockdown, when non-essential

The $500 Cup of Coffee
No one would pay $500 for a cup of coffee, so why are you? If you invest rather than ingest your daily coffee money it could easily be worth over

Financial Dos and Don’ts to Help You Through Coronavirus Lockdown
In times of great volatility there’s always a chance to make a killing. Most of us think about buying low and selling high. However, some daring people also make fortunes


Will Coronavirus Lead to a New Normal?
I’m having a very difficult time knowing how to think about our nation’s splintered response to the coronavirus. My thoughts, which continue to evolve with each passing day of home

TMFI! Are You Confused by Too Much Financial Information?
Today there’s a huge amount of information about personal finances, the importance of savings, wealth growth and management. So much that it can be both overwhelming and intimidating. If you’re

Invest or Ingest Your Coffee Money?
Consistent investment of small amounts adds up over time. Due to the power of compound interest, you can build future wealth starting one cup of coffee at a time.

The Story Behind the Book
The Pay or Save App is an extension of the “The $500 Cup of Coffee,” a book to help young people better manage their finances.
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