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 also joined as an E1—meaning I made about enough money to afford socks, maybe. Back then, pay for junior enlisted was even worse than it
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 your credit card can flip your inner script from “Can I afford this?” to “Why not?” It usually starts with a few small splurges: You’ve
Life After Financial Loss and Divorce There are seasons in life where everything seems to fall apart at once — where love ends, money runs out, and you’re left staring at the pieces, unsure which to pick up first. I’ve been there. Or maybe you’re there now. Here’s what I’ve
When a Workplace Conversation Goes Sideways We all experience moments at work that leave us reeling—tense conversations, poorly delivered feedback, or a comment that just didn’t sit right. Maybe your manager was rushed. Maybe the tone felt off, or something about the message struck a nerve. Whatever the reason, it’s
Talking Will Lead To A Healthier Relationship With Your Money We’ve come a long way as a society when it comes to discussing the once-undiscussable. There was a time when speaking openly about race was considered inappropriate. Talking about sex? Off-limits. Identity, orientation, mental health—each of these topics, once shrouded
Part 1: The “Yes” Trap — How Available Balance Leads to Debt Quicksand You’re making payments. You’re trying to get ahead. But no matter how often you chip away at your credit card, it feels like you’re stuck. Why is it so hard to pay it off? Here’s the truth:
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