Helping millennials rehabilitate finances and restore possibilities


How Car Loans go “Upside Down”

How Car Loans go “Upside Down”

Have you heard the term before?  I am “upside down on my mortgage” is a common phrase.  But what does it mean?  It means that you owe more than the value of the property.   Upside Down Loan Illustrated   Unfortunately, assets tend to swing […]

4 Ways to Avoid Buyer’s Remorse And Make Confident Purchases

4 Ways to Avoid Buyer’s Remorse And Make Confident Purchases

Have you felt regret after you bought something? You know, the “I should have known better” feeling in your gut after you realize that the thing you bought was a waste of money.  It is called buyer’s remorse.  Something we all have experienced at some […]

Cash Flow: The Metric You Probably Don’t Track

Cash Flow: The Metric You Probably Don’t Track

Cash is king here in NYC.  I can’t count the number of times that my wife and I went on dates to local restaurants only to find out that they were “cash only” establishments.  Back then I hardly carried cash.  It was so unromantic to […]

Money Proverbs: Work Your Land

Money Proverbs: Work Your Land

“Those who work their land will have abundant food, but those who chase fantasies have no sense.” Proverbs 12:11   On the road to financial freedom, there are only two ways to getting to your destination: decrease expenses or increase income.  When it comes to […]

How I lost $50 at an ATM

How I lost $50 at an ATM

I lost 50 dollars at an ATM a couple of weeks ago.  Let me tell you what happened.  I went to my bank’s ATM to take out $200.  I put in my pin and selected the receipt to be emailed to me.  The cash came […]

What’s your liquidity?

What’s your liquidity?

Liquidity is another one of those financial terms you should know.  It is a term that is often thrown around in the financial services industry but is overlooked when it comes to personal finance.  With that being said, I believe that grasping the concept liquidity […]

Why You Should Care About Net Worth

Why You Should Care About Net Worth

How can we build wealth if we can’t track our progress?  Net worth is one of those terms you have to get familiar with if you want to get control of your finances.  Do you know how to calculate net worth?  If you don’t, this […]

Money Proverbs: Laziness vs Diligence

Money Proverbs: Laziness vs Diligence

Personal finance is not all about the numbers.  It’s also about the individuals behind the numbers.   We have a specific set of values and goals that influence our decisions when it comes to finances.  For me, my faith shapes my values and goals as […]

A Strategy to Make Your Budget Better

A Strategy to Make Your Budget Better

This is part 2 of the “Do you have a budget?” series.  See part 2 here. So you have a budget.  Great!  But we aren’t done yet. It’s time to level up.  A budget by itself doesn’t mean much.  It’s like driving your car at […]

Budget Basics

Budget Basics

Everyone started somewhere.  Most of us started at zero… in our savings account.  Then at some point, a series of decisions moved us into the negative.  One step forward, two steps back.  I remember when I got my first paycheck straight out of college.  I went […]