Everything is Negotiable – Including Your Cable Bill

In a cash-based economy, people tend to negotiate when it comes to all sorts of purchases as they go through their daily routines.  Part of this is obviously due to culture and a history of bartering, but it seems like

Teach Compound Interest in High School Math Courses

According to a recent report, 66 million Americans have absolutely no savings available to cover a financial emergency.  This shocking figure is nearly one-third of the roughly 206 million Americans between the ages of 15 and 64 which makes up

Escaping the Ratcheting Lifestyle Trap

The Wall Street Journal published an interesting article recently regarding the sad financial future awaiting many NFL players.  The article cites a study that analyzed the financial data of more than 2,000 players who were drafted by the NFL from

When Can You Consider Yourself Financially Independent?

When can you give up the security of a regular paycheck? This is a fundamental question that everyone must eventually answer in the context of their own “retirement”.  I put “retirement” in quotes because what we are really talking about here is not

How I Escaped the Car Clown Habit

Many personal finance articles try to get people to believe that very minor changes, such as skipping the morning latte at Starbucks, will lead to financial freedom.  While small steps do indeed help, the fact is that many of us