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I Quit Caffeine For 30 Days – Here Is What Happened

Let’s get one thing straight before we get into this post: Caffeine is amazing. Now, like most of you reading this, I love caffeine and how it makes me feel. Because of that energy boost I love, I would have it in some fashion almost every morning. Okay, I had it every single morning. It…
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What If You Could Choose Where Your Tax Dollars Go?

If you have read any of the past work on Young, Dumb, and NOT Broke?! then you have probably caught on to the fact that I despise taxes. I can’t stand them. Every two weeks, I see my paystub and the amount that is taken out makes me feel sick. It feels like my hard-earned…
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Why The Internet Makes Me So Curious About Money – And How To Make It Online

I can distinctly remember the first time dollar I made from a product online. I didn’t create the product with the intention to sell it but it would forever spark my interest in what else the internet could offer me. That was more than six years ago now and that product was a Microsoft Excel…
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Can Credit Card Debt Be Rolled Into Your Mortgage? – A Simple Guide

Credit card debt haunts thousands of people per year and most are looking for a way to get rid of it as fast as possible. A way to do this is to roll your credit card debt into your mortgage. This way out of debt is becoming more popular. The big question is can you…
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Why Are Student Loans Considered Good Debt? – Explained Simply

Most people that go to college end up with student loan debt. Often it’s seen as a means to an end, as in you have to spend a little money (or a lot) in order to improve your life. Most of the time we try to stay away from debt but could this kind actually…
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Is There A Difference Between Debt, Loan, and Line Of Credit?

Debt, loan, and line of credit are terms that are often used synonymously but they don’t all mean the same thing. What is the difference between debt, a loan, and a line of credit? Loans and lines of credits are two different types of debt. Debt is an amount of money borrowed from one party…
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Why Your Credit Score Is 0 Or Doesn’t Exist And What That Means

We have all heard that having a good credit score is important but what does it mean if you have a credit score of zero or no credit score at all? Having a credit score of 0 or no credit at all is no reason to panic. All that it means is you’ve never had…
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Should You Pay Off A Credit Card Or Auto Loan First? How To Decide

Debt, specifically credit card debt and auto loans, is one of the most crippling pieces of most people’s financial story. What seems like a good purchase at the time quickly becomes years and years of payments. Those payments include tens of thousands of dollars of interest to the bank. And for what? A car you…
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What Is The Best Investment When You’re 18 Years Old

When you are 18 years old the world is an open book. You think you know it all but there is so much to learn and you’ll soon find out, sometimes the hard way. I was a punk at 18 and made some awful choices. Luckily those choices weren’t too damaging and I turned out…
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Do You Need To Hire An Accountant For Your Taxes? A Guide For Millennials

Taxes are a constant that none of us really enjoy having to pay or even talk about but it is a fact of life. One of my favorite quotes of all time actually has to do with taxes. In this world nothing can be certain except death and taxes” – Benjamin Franklin Leave it to…
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