Ever open your bank app and feel your stomach drop? You see $42.19 and think, “How am I going to make this work?” That moment of panic, that wave of failure — you’re not alone. We've all been there. But here's the truth: budgeting isn't about spreadsheets or shame. It's about clarity. And it’s one o...
Today we’re talking about something I’ve become a little obsessed with: Buy Now, Pay Later apps (you know—Afterpay, Klarna, Affirm, Sezzle... the list goes on). These things weren’t even around when I was in my 20s and 30s—and honestly? Thank. God. Because if they had been, I would’ve gotten myself ...
You ever open your bank app and see something like $42.19 staring back at you—and you that’s not gonna cut it? Bills are coming, your fridge is half-empty, and all you feel is that wave of failure rolling in. Been there. And I don’t know anyone who’s made it into adulthood who been there. That’s exa...
Heather wrote in with a great question: “I just became eligible for my employer’s 401(k). Should I participate? And how do I know how much I can afford to put in?” If you're in the same boat—congrats! Getting access to a 401(k) is a big deal, and the short answer is: yes, you should absolutely parti...
You open your credit card statement, pay the minimum, and expect your balance to drop. But month after month—nothing changes. What gives? Here’s the truth: minimum payments are a trap. In your 20s, it’s easy to fall into the cycle—a card, a charge, a paycheck that almost covers it. Until one day, yo...