Dear Dave, I’m a sophomore in college studying agriculture business. I grew up on a farm, and recently I decided it’s time to sell a small cattle herd my dad helped me start growing when I was a kid. I don’t have any student loan debt, and I’m paying for…
Finance
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The Habits of Highly Disciplined People You Can Adopt Today
Image by Content Pixie on Unsplash Discipline often gets mistaken for sheer willpower or rigid self-denial. But if you look closely at highly disciplined people, you’ll find that their success isn’t rooted in suffering. It’s built on intention, structure, and small, repeatable habits. These are the people who seem to…
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Is Financial Freedom Really Possible on a $50K Salary? Here’s How Some Are Doing It
Image by Alexander Mils of Unsplash When we hear the phrase “financial freedom,” most of us picture someone earning six figures, investing heavily, and vacationing on a private island. It doesn’t sound like something achievable on a $50,000 annual salary—especially not in 2025 when inflation is still stubborn, and rent…
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Cash Stuffing: Why This Old-School Method Is Trending Again in 2025
Image by Pixabay of Pexels In a world run by digital wallets, budgeting apps, and automatic transfers, you’d think the idea of stuffing envelopes with cash would be long gone. But in 2025, the old-school practice known as cash stuffing is trending again, and news flash: it’s not just among…
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Is It Financial Infidelity If You Hide Your Shopping Haul From Your Partner?
Image by Jacek Dylag of Unsplash The phrase “financial infidelity” might sound dramatic, but for many couples, it’s a very real—and often overlooked—form of betrayal. While we tend to associate infidelity with emotional or physical affairs, lying about money, hiding spending, or secretly accruing debt can be just as damaging…
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Sharpe Ratio in Mutual Funds: Key to Smart Investing
The Sharpe Ratio is a critical financial metric that evaluates the risk-adjusted return of an investment, such as a mutual fund. Developed by Nobel laureate William F. Sharpe in 1966, this ratio helps investors understand how much excess return (over the risk-free rate) they are receiving for each unit of…
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Do You Know Your Partner’s Credit Score? Why Experts Say You Should
Image by Piggybank of Unsplash Money can be a touchy subject in any relationship. While we’ve made progress talking more openly about salaries and spending habits, there’s one financial number that still seems taboo: credit score. It might not come up in early conversations, but experts say it probably should.…
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Why Budgeting Feels Like Punishment—And How to Make It Feel Empowering
Image by Karolina Grabowska of Unsplash For a concept that’s supposed to be helpful, budgeting sure comes with a lot of emotional baggage. Many people associate the word with sacrifice, stress, and failure. It’s no wonder that, despite countless apps and expert advice, sticking to a budget often feels like…
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Millennials Are Waiting to Marry Until They’re Debt-Free—Is That Smart or Sad?
Image by Beatriz Perez Moya of Unsplash For many millennials, the road to the altar is paved not with roses, but with repayment plans. Gone are the days when marriage came first, and financial stability came later. A growing number of millennials are flipping that script, choosing to delay marriage…
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Why Some Women Are Choosing Financial Stability Over Love
Image by Karolina Grabowska of Pexels For decades, love stories, both fictional and real, have followed the same narrative arc: two people meet, fall head over heels, and build a life together, often overcoming financial struggles along the way. But today, many women are rethinking this story. The idea of…