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I’ve talked before about three different versions of myself: Yester Me, Today Me, and Future Me. When you use debt, you’re actually letting Today Me travel into the future and take money from Future Me.

You see, when you enter a contract, any contract, you’re obligating a part of your future to that agreement. I think this is why debt problems ...


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The Survivor Benefit Plan (SBP) is a confusing and polarizing topic. This stems from general confusion about SBP and huge incentives for insurance companies to sell you an annuity or life insurance instead. More importantly, people often make this decision without much thought.

For our family, we spent years thinking about this and researching options. I still h...


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What do you do when your partner sees and interacts with money differently from you? I’ve been in the middle of figuring this out for nearly two decades. I don’t have a perfect answer, but my wife and I have learned a lot that will make things so much ...


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