Housing, vehicles, child care, health costs and debt can consume a surprisingly large share of a good salary. Reviewing major recurring expenses can uncover far more savings than cutting the occasional small purchase. (Pexels). A good salary should make life feel financially comfortable, but that is not always what happens. Paycheck-to-paycheck living can develop when several large recurring expenses quietly claim most of a household’s take-home pay. A family may earn six figures yet have […]

I used to write A LOT on MLM. It may literally be a million words when you count my responses to comments where MLM distributors claimed that their business was legal and not a scam. I got sued by several MLM companies for defamation, which was their way of burdening me with legal fees and nuisance work. Then they could say, “We can make this all go away if you take down your article.” As […]

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Millions of Americans like Mayo are torn by the daily demands of raising children while supporting an aging or disabled family member, both financially and with physical care.

When I first heard about the Trump accounts, my first questions were: Is this a trick? Is this a scam? Is this thing designed to steal people’s money and put it into TrumpCoin? And apparently, I wasn’t alone. According to a survey by BuildCommonWealth.org, since Trump accounts became available to the public this summer, only 5% of eligible parents in that survey had opened one. The top concerns parents had were: All valid concerns. Clearly, […]

Have you ever had a termite infestation? You likely didn’t realize you did until it was too late. For months … Read more

Your kid graduated years ago. The job search worked out, maybe even better than you hoped. The Parent PLUS loan balance you signed for without checking it against your own retirement timeline is still sitting there anyway. A federal deadline that passed this summer just locked millions of parents out of the repayment options that made that balance survivable, and a separate rule change just capped how much future parents can even borrow. Here is […]

President Donald Trump has announced a new initiative to provide one-time payments of $90 to over 20 million seniors enrolled in Medicare. Coming just weeks before the midterm elections, the distribution is designed to assist beneficiaries with the rising costs of healthcare, specifically Medicare Part B premiums. Speaking on the initiative, Trump made clear that his goal was to provide immediate relief to retirees, announcing the rollout late on Truth Social before official guidance was […]

A few months ago, I saw this tweet about the World Sauna Championships and how men will literally push themselves to the brink of death to win them, despite there being no tangible rewards. As the author of the tweet noted: It was interesting to me because it’s another piece of evidence that as soon as you create a ruleset…no matter how ridiculous it is, no matter how small the group of participants, no matter the extreme chance of death, and no matter a total lack of prizes. There will always be men willing to compete to the point of actually killing themselves… It’s kind of like a hijacking of the programming evolutionary mind, where no incentive makes sense but it happens anyway. You can find a million examples of this for every male interest on the planet. Just the simple act of starting down a path confers it meaning to the person, and the more they are surrounded by other men who care about the same thing, the more they learn and compete, the more entranced by it they are, until their identity is fully subsumed by it and stuff like these sauna deaths happen. They’re right, but these kinds of dangerous status games aren’t exclusive to men. Competitive female freedivers like Audrey Mestre and Natalia Molchanova both passed away pursuing a sport with little financial reward or media coverage. What they were chasing was status. When we look at competitive freediving or the World Sauna Championships, it’s easy to see why such competitions seem so irrational. Both have a negatively asymmetric payoff—the upside is trivial and the downside is everything. But what about those status games where the payoffs aren’t so obvious? Where the upsides are there, but the downsides are unknown ahead of time? I’ve thought about this a lot since becoming a father a few months ago. Until that point, my primary sense of fulfillment came from my writing and my career. Everything was focused on more content and more followers. Rinse and repeat. But helping to raise my daughter has been a joy unlike anything I’ve experienced before. I’ve been so fulfilled by it that it made me question whether the game I was playing for the past 10 years still makes sense. You have to understand that, for an online content creator, the ultimate sign of success is a huge platform. People like Tim Ferriss, Andrew Huberman, and Chris Williamson are examples of those who have won the game. These are the creators we look up to. They’re supposed to help us live better lives with their accumulated knowledge and wisdom. Yet, as far as I can tell, all of these men are unmarried and childless. I understand that not everyone wants to be married or have children, but now that I have both, I feel a bit deceived. Because the online environment I’ve operated in for most of my career has been glorifying a lot of people playing the wrong game. It’s put

Can you believe the year is already winding down? The holidays will be here before you know it. While this time of year usually means spending more money, it can also be a great time to make some extra money. Companies need additional workers to deal with holiday shopping, shipping, food orders, events, and…

Our earliest ancestors looked to the sky and saw a miracle. A bright white glowing orb lit their way in the dark. It’s no wonder … Read more

It’s the most wonderful time of the year. Yes, October is here with its beautiful colours, cool nights, and Thanksgiving celebrations. But before I get too excited, it’s time for my September 2026 goals report and a look ahead at my goals for October. The post It’s time for my September 2026 goals report appeared first on Boomer Eco Crusader.

Our in-house passive portfolio is having a distinctly average year: up 7.8% so far in 2026, or about 4.7% after inflation. The tale is one of double-digit equity gains, dragged down by bond fund ankle weights: Actually, the story of 2026 is the story of the portfolio’s lifetime. The equities bloc (in the green zone below) has performed creditably to amazingly. The 13.7% annualised return of Developed World ex-UK going back well over a decade […]