The Monday Money Brief February 09, 2026 Financial Goals That Stick: Turning Wishes into Systems Do you find yourself contemplating and always “wishing” for certain financial milestones? I wish that I could…fill in the blank. Most people don’t fail with money because they don’t want better. They fail because their […]
read moreArticle No. 7: The Psychology of Spending: Triggers, Leaks, and Habits
The Monday Money Brief February 02, 2026 The Psychology of Spending: Triggers, Leaks, and Habits Most people don’t have a math problem with money. They have a behavior problem. That’s not an insult. It’s actually good news. Math problems are rigid. Behavior problems are flexible. They can change. When someone […]
read moreArticle No. 6: Fixed vs. Variable Expenses: The Fastest Way to Free Cash
The Monday Money Brief January 26, 2026 Fixed vs. Variable Expenses: The Fastest Way to Free Cash If money feels tight, it usually doesn’t mean you’re bad with money. More often, it means your money is locked up in places you don’t see clearly. You’re working, paying bills, trying to […]
read moreArticle No. 5: Checking vs. Savings vs. HYSA: Structuring Your Cash
The Monday Money Brief January 19, 2026 Checking vs. Savings vs. HYSA: Structuring Your Cash “Your cash should have jobs.” Most people think cash management is about discipline. Spend less. Save more. Don’t touch the savings account. That framing is wrong. Cash behavior is rarely a willpower problem. It’s a […]
read moreArticle No. 4: Emergency Funds: How Much You Actually Need
The Monday Money Brief January 12, 2026 Emergency Funds: How Much You Actually Need If you’ve spent any time reading personal finance content, you’ve heard it before:“You need three to six months of expenses in an emergency fund.” It’s clean. It’s simple. And it’s repeated so often that people assume […]
read moreArticle No. 3: Why the 50/30/20 Rule Usually Fails
The Monday Money Brief January 05, 2026 Why the 50/30/20 Rule Usually Fails The 50/30/20 rule is one of the most widely shared personal finance frameworks of the last two decades. Spend 50% of your income on needs, 30% on wants, and save 20%. It’s simple, memorable, and comforting. And […]
read moreArticle No. 2: If you disappeared tomorrow, could someone understand your finances?
The Monday Money Brief December 29, 2025 If you disappeared tomorrow, could someone understand your finances? Imagine this for a moment: you disappear tomorrow. No warning. No instructions. A spouse, partner, adult child, or trusted friend is suddenly responsible for understanding and managing your financial life. Could they figure it […]
read moreArticle No. 1: What does it cost to be you?
The Monday Money Brief December 22, 2025 What does it cost to be you? I started working in 1991 (age 14) and money was never a topic that came up in conversation. Not in home, not in school, and not amongst my friends. Growing up, I learned that you work, […]
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