The Power of Margin: Why Getting Out of Debt Is Just the Beginning

When I first started building the framework for A Way Out Of Debt, I knew there was something missing from the traditional personal finance advice we’ve all heard a thousand times. Budget. Save. Pay off debt. Rinse. Repeat. But I kept thinking about this idea I’d heard from my friend Glen Van Peski: Take less. […]

Why Your Budget Needs a “Splurge Day”—And How It Can Keep You on Track

Let’s be real for a second—if I see one more article telling me to cut out lattes, I might just start handing out free coffee in protest. We get it. Save money. Be frugal. Never eat anything but rice and beans. But here’s the thing: at some point, frugality fatigue sets in, and suddenly you’re […]

How to Create a Budget That Actually Works (Not Just One That Looks Good on Paper)

You’ve probably seen those “perfect” budget templates before. You know the ones—where you’re magically supposed to only spend 30% of your income on housing, 15% on food, 10% on savings, and somehow still have money left over for fun. Sounds great in theory. But what if your rent is already 40% of your income? What if groceries […]