Everything is Negotiable – Including Your Cable Bill

In a cash-based economy, people tend to negotiate when it comes to all sorts of purchases as they go through their daily routines.  Part of this is obviously due to culture and a history of bartering, but it seems like

Escaping the Ratcheting Lifestyle Trap

The Wall Street Journal published an interesting article recently regarding the sad financial future awaiting many NFL players.  The article cites a study that analyzed the financial data of more than 2,000 players who were drafted by the NFL from 1996 to

How I Escaped the Car Clown Habit

This article was originally published in January 2017. Many personal finance articles try to get people to believe that very minor changes, such as skipping the morning latte at Starbucks, will lead to financial freedom.  While small steps do indeed

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