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I write about doing life and personal finance, focusing on the psychology of our relationships with other people and money. I’m anti-guru, pro-empowerment.

The answer to transportation inequality absolutely is not cheap gas

Just a quick clarification to an article I wrote last week for Making of a Millionaire on the poor getting the shaft on our nation’s ever-increasing gas prices.

I received a few responses noting that cheap gas prices are not the answer. I could not agree more.

The following response and my response to it sums things up nicely.


Taking a calculated risk with your future

I’d love to inherit one of the properties in and around 20th and Noe in San Francisco.

Instead, I’m set to take ownership of my parent’s home in Western New York when they pass away.

The type of stuff we don’t like to discuss. Parent’s dying. Kids benefiting financially from the inevitable. Doing the math on how much you’re set to inherit. Lamenting how property values differ so drastically from one place to another.

Morbid stuff. Kind of messed up, really.

In this article, it’s going to get worse. We’re going there.

The other day my Mother gave me an…


For starters, gas prices are too high — for the poor

$1,400 matters.

I make decent money, and I’m absolutely thrilled I qualified for the stimulus. It paid my April rent and allowed me to procrastinate on my 2020 taxes for a good reason.

I’m done with people — particularly money gurus such as Dave Ramsey — talking down to the poor as well as the non-rich:

There’s nothing a guru likes more than practicing emotional manipulation on the vulnerable and uncertain. They get off on telling you what you’re doing wrong then prescribing “solutions” they know you’re probably going to “fail” at. …


How to follow through on saving, spending, living, and loving

I love our life

In a recent Making of a Millionaire article, I took a more or less theoretical look at crafting a money mindset to carve out the life you want to live now.

In this article, we move from the theoretical to practical and pragmatic.

It’s important to draw a distinction between those last two words. I did the work on that not long ago in another Medium piece:

In practice, being practical means having a plan you’re ready to execute.

In practice, being pragmatic refers to the actual execution of the plan. In other words, you’re doing…


Try on this mindset to live a great life and get better with money now

Easily one of my favorite scenes from HBO’s iconic Silicon Valley:

Richard: Now, it says here on your resume that from 2010 to 2011, you “crushed it”?

Interviewee: That’s actually an old resume. It should also read that I crushed it from 2013 to present.

Jared: So, are we to understand that you did not “crush it” in 2012?

Interviewee: There was a medical situation preventing me from crushing it to my usual standards. So, I had to take some time off until I was able to crush it at 100%, at which point I resumed crushing it full-time.


Contrary to the hysteria, you have choice in the matter

PwC (PricewaterhouseCoopers) released a report with the right title and subtitle:


Personal finance is personal, so the best way to learn is from your peers

There’s nothing better than the responses Medium readers leave on articles.

They’re often better than the article itself, mine included!

So if you normally abandon my articles, this might actually be one to read to the end. I also hope it will encourage you to leave responses, which we might pull and include in future articles.

From time to time, I use responses as a springboard into the conversations we have here at Making of a Millionaire. Even when the reader response comes off as somewhat confrontational, it’s generally good.

Apparently I’m onto something. As I was drafting this article…


You never have to quit your job if you put your mind to it

I’m 45. And I feel like I’m semi-retired.

I also don’t see a time when I won’t be working in the content business for pay, at least some of the time.

When I tell people this — in person or through my writing — they, more often than not, respond with a blank stare, you’re crazy, or both!

The blank stares tends to come with the semi-retired part. The you’re crazy part goes alongside the work forever prediction.

In this article, I describe my semi-retired life, my plan to work forever, and the money strategy that fuels this lifestyle.

There’s…


Can it make sense to invest your disposable income?

The readers who respond on Medium continue to invigorate me.

Ed Matthews contributed a productive response to a relatively controversial article about moving money out of the stock market to pay off debt and into my pots of cash.


How to do life and money in a completely different and seemingly radical way

It’s refreshing to read articles where the author isn’t talking down the millennial generation. Or talking down to the millennial generation.

Millennials do life differently. They get a bad rap for it.

If you fall into Generation X like I do, you get a pass.

It wouldn’t make much sense if we didn’t understand the phenomenon of older people making themselves feel better by maligning and marginalizing younger people.

I read an article the other day that takes a useful look at the millennial experience via Business Insider:

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