Man vs Debt

My Open Letter to Ernest Garcia II and Ernest Garcia III about Carvana’s Financials

Initial Disclosure: This article is for informational purposes only and should not be considered financial or legal advice. The views are that of the author of this article and should be understood as such. In addition, the author of the article has purchased puts in Carvana, which means that the author is investing with the …

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Key Steps in the Estate Planning Process

Leave a Comment / Rants / By Dave T

Most Americans have not done their estate planning yet. Only 24% of adults say they have a will, according to Caring.com’s 2025 Wills Survey. And 55% of them have zero estate planning documents of any kind. Regardless of age or wealth, it’s important to have an estate plan to secure your family’s financial future. It …

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How affordable eyewear got good: a buyer’s guide to stylish sunglasses under $50

Leave a Comment / Rants / By Dave T

A decade ago, the choice in eyewear felt rigged. Either spend $200 on a name brand whose lenses came from the same Luxottica factory in Agordo as three other name brands, or grab a $12 gas station pair that fell apart by August. The middle was a wasteland of knockoffs and infomercial polarizeds. That changed …

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Using a HELOC to Pay Off Debt in Texas: Smart Move or Risky Bet?

Leave a Comment / Rants / By Dave T

When credit card balances pile up and the minimum payments stop making a dent, many homeowners start eyeing the equity in their house as a way out. If you own a home, a home equity line of credit can look like an obvious fix: borrow against your equity at a lower rate, wipe out the …

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Understanding Inheritance Laws and Probate

Leave a Comment / Rants / By Dave T

In the United States, estate preparation is still a problem that people experience. A survey conducted by the Pew Research Center reveals that only 32 percent of American adults possess a will. This indicates that a significant number of the American population has no planned means of transferring ownership of their property after their death. …

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Bankruptcy Filing Software for Lawyers: 5 Options Law Firms Use

Leave a Comment / Pay Off Your Debt / By Dave T

Bankruptcy attorneys have a very specific workflow. I know because I have spent countless hours walking through work flow with bankruptcy lawyers. A good bankruptcy practice usually needs intake, document collection, creditor information, means test calculations, exemptions, petition preparation, court notices, client communication, and electronic filing. That is why bankruptcy filing software matters so much. …

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How Debt Consolidation and Smart Money Habits Work Together to Build Long-Term Financial Freedom

Leave a Comment / Rants / By Dave T

Being in debt can be overwhelming if there are multiple debts at the same time. It may be tough to manage them since each one has an individual deadline, interest rate, and balance. Without having any kind of plan, you could end up missing payments and incurring additional debt. The good news is, when you …

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