The Four Money Traps That Keep People Poor (And How to Break Free)
The game is rigged. But don’t take that as defeat. Take it as clarity. Because once you see the traps for what they are, you…
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Why Is It So Hard to Pay Off Your Credit Card? (Part 3)
Part 3: Lifestyle Creep — The Slow Drift That Becomes the Avalanche You had a few splurges. Then came the crisis—car repairs, a medical bill,…
What Is Real Wealth, Anyway?
Let’s play a quick game. Which of the following people is wealthier? A. Drives a 10-year-old Honda, lives in a modest house, and has no…
The Debt System Is a Hammer—Here’s How to Build, Not Break
Debt gets a bad rap—and let’s be honest, it deserves it. Credit cards, payday loans, 72-month car notes… They lure you in, then gut you…
Why Organizations Must Lead the Way on Workplace Communication
When managers handle difficult conversations well, it builds trust. But when organizations set the stage for those conversations to happen with clarity and consistency—it builds…
The Great American Credit Trap (and How to Disarm It)
Imagine you walk into a casino. The chips are free. The drinks are flowing. Every table has flashing lights and someone shouting, “You’re already approved!”…
Resetting After a Difficult Workplace Conversation
Protecting Both Workplace Harmony and Personal Stability Tough conversations are inevitable in any workplace. Even when handled with the best intentions, they can leave a…
A Decade of Dollars, Discipline, and Dodging Debt in the U.S. Army
I joined the United States Army at the tender age of 20, armed with youthful enthusiasm, a wife, and a baby on the way. I…
Why Is It So Hard to Pay Off Your Credit Card? (Part 2)
Part 2: Crisis Spending — When “No” Isn’t an Option In Part 1, we talked about the “Yes Trap”—how seeing a generous available balance on…