Educate & Motivate

Strategies, teachings, and tips & tricks for anyone to reference as you’re clambering along this crazy thing we call “adulthood.”

Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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?

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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?

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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…

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Heather Mroczenski Heather Mroczenski

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!

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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.

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Heather Mroczenski Heather Mroczenski

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.

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Heather Stevens Heather Stevens

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.

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Heather Mroczenski Heather Mroczenski

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 …

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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?