Educate & Motivate
Strategies, teachings, and tips & tricks for anyone to reference as you’re clambering along this crazy thing we call “adulthood.”
The Hidden Costs of Buying a Home
Buying a home isn’t just about the mortgage payment—there are tons of extra costs that can catch you off guard if you’re not prepared. From closing costs to maintenance, homeownership comes with financial surprises.
Personal Finance for Kids
When it comes to personal finance, we often focus on adults—helping them budget, save, and invest wisely. But what if we could start earlier? What if we gave kids the tools to understand money from a young age, setting them up for financial success in the future?
Philosophical Assumptions of Investing
Just like ABA uses data-driven methods to create meaningful change, successful investing relies on proven strategies rather than gut feelings or speculation.
Tax Refund vs. Owing the IRS
Neither getting a refund nor owing taxes is inherently good or bad—it all comes down to planning and making sure your money is working for you.
ABCs of Investing
As a Behavior Analyst, I see a clear pattern in why people avoid investing—and it follows the ABCs of behavior: Antecedent, Behavior, and Consequence. Understanding this cycle can help you break through the hesitation and start making smart financial moves for your future.
My Journey to ABA and Personal Finance
My journey to ABA and personal finance has been anything but linear. From marketing to church to ABA, I’ve been everywhere.
Your Savings Account Won’t Make You Rich
The average savings account interest rate is around 0.4%, while inflation hovers around 3%. That means your money is losing purchasing power every year.
Sinking Funds… What?
A sinking fund is a dedicated savings category for future expenses—think of it as planned savings for predictable costs like car repairs, holiday gifts, or annual insurance premiums. Instead of scrambling when an expense pops up, you’ve already set money aside for it.
How to Negotiate a Pay Raise
Negotiating a pay raise can be intimidating. But here’s the thing: if you don’t advocate for yourself, who will?
When My Salary Ruined a Friendship
Money is one of those topics that can make or break relationships, whether it’s with family, friends, or even romantic partners. I’ve always known this, but I didn’t fully grasp the impact until a personal experience opened my eyes.
When Your Bank Account Doesn’t Agree with Your Passion
When your passion for your job doesn't translate into a living wage, it can lead to stress, anxiety, and even burnout. This emotional rollercoaster can make it difficult to fully enjoy the work you love.
Effects of the Presidency on Your Money
Raise your hand if you’ve seen your aunts and grandmas blame the economy on their least favorite president. Are they right? Is he to blame? Let’s dive in and figure it out…
Debt Snowballs and Behavioral Momentum
The Debt Snowball is a common strategy in reducing debt.. but did you know it’s a concept backed by Behavior Analysis? Let’s look at how to use behavior momentum to pay down debt faster!
Using Balance Transfers to Pay off Debt
Struggling with high-interest credit card debt? Discover how balance transfers can provide a 0% APR window to help you pay down your balance more efficiently, while avoiding common pitfalls.
Why You Should Stay on Top of Your Credit
Credit Scores… what are they? Why do we need them? Why do we need to stay on top of them? A credit score is like the adult’s version of the report card that never ends. Let’s look at what that means.
Why the LGBTQ+ Community Faces Financial Inequity
The LGBTQ+ community faces incredible financial inequity, but why? From my findings, it’s 3 things: Employment Discrimination, Housing Discrimination, and Hate Crimes.
How to do #FinLit When your Time Horizon is Short
Financial literacy is easy when you’re 20 or 30. It’s a little tougher when you’re 50+. Let’s look at some sound financial wisdom for those who are slightly closer to retirement age than they want to be.
Private Equity and ABA
Private Equity has been dominating the field of Applied Behavior Analysis in recent years. What exactly is Private Equity? Why are people so against it? Let’s talk about it.
The Financial Implications of Living Longer
Agelessness and living longer is all the rage. But are we prepared for the financial implications of existing for 30+ years after we retire?
Divorced: A (financial) Tell-All
My divorce was simultaneously the hardest and best thing I’ve ever been through. Read this for details I’ve never shared …
Start your journey
Ready to tackle your finances and finally get rid of that pit in your stomach that comes up anytime money is mentioned?