Stop Calling Student Loan Debt A “Crisis”

I really hate writing articles about political issues, but here I am again. The Biden administration’s student debt cancellation policy – which seeks to erase $430 billion in college student loan debt – is in the headlines again. We’re awaiting a Supreme Court’s decision on its Constitutionality, likely this June. It caused me to look a little into the scope of the “CRISIS” as it … Continue reading Stop Calling Student Loan Debt A “Crisis”

Americans Less Financially Resilient Than Ever?

It’s been about three years since the start of the pandemic. I’m not sure if it’s officially over yet, but Americans have returned to their old financial behavior: save little & charge much. Here are two charts I came across recently that paint the ugly picture. First, the US Savings rate fell to 4.7% in December (well below the 8.8% pre-pandemic average) … Second, it’s … Continue reading Americans Less Financially Resilient Than Ever?

Sunshine State Snowbirding Vibe

Our friends and us sometimes debate the “vibe” of snowbirding in Florida versus Arizona. I would guess that about 2/3rds of our friends opt for Florida and 1/3 opt for Arizona. We were undecided until a few years ago when my wife noted that although we’ve been to both many times, when we’ve chosen Florida over Arizona at about a 3:1 ratio for vacations over … Continue reading Sunshine State Snowbirding Vibe

Staying In The Pocket

The headlines are full of celebrities & athletes who blow through their millions and often end up broke. They live an indulgent & colorful lifestyle that quickly catches up with them. That’s why it’s great to see a colorful character like Chad “Ochocinco” Johnson, who managed to save 80% of his NFL career earnings. To save money he even lived at the Cincinnati Bengals’ stadium … Continue reading Staying In The Pocket

Executor Role Overview

My wife was appointed executor of her father’s Will after his passing earlier this month. It’s a daunting role that starts immediately and lasts until all bills are paid and assets distributed. For us, there is a lot to learn, but she is approaching it as her last opportunity to honor her father’s wishes. Here are seven key things we’ve learned that an executor of … Continue reading Executor Role Overview

Packing – It’s Always Something

Our January-March snowbirding trip was sadly interrupted by a family emergency two weeks ago. My wife’s father passed away unexpectedly, but peacefully. After the funeral, we decided to come back to Florida for a couple more weeks and flew back yesterday. In doing so, we found ourselves oddly packing for the same exact trip we packed for last month. I consider myself an expert packer, … Continue reading Packing – It’s Always Something