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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Selkirk Boomstick vs Selkirk Omni vs Joola Pro V Pickleball Paddle Review: Which Paddle Is Best?

Leave a Comment / Pickleball / By Dave T

This article may contain links that help support this website The Selkirk Omni was released this week, and it looks very similar to the Selkirk Boomstick, so I wanted to compare the two paddles then share how they are similar/different to the new Joola Pro V. When Selkirk announced the Omni, my first thought was …

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The Hidden Cost of Clutter: A Realist’s Guide to Downsizing for Debt Freedom

Leave a Comment / Rants / By Dave T

The modern pursuit of happiness often feels like a race to accumulate. We’re told from a very young age that more is always better including more square footage, more gadgets, more subscriptions, and more commitments. But somewhere along the way, the weight of all that ownership starts to shift. Instead of you owning your things, …

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Top Benefits of Choosing a Credit Union with Banking Services in El Paso

Leave a Comment / Rants / By Dave T

There are numerous options for where to store money in El Paso. While large banks can be found practically everywhere, credit unions provide an alternative. Rich shareholders do not control credit unions. The people who use them are in charge of them. For anyone looking to save money and avoid fees, this little adjustment makes …

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Ways to Manage Surprise Expenses

Leave a Comment / Rants / By Dave T

As inflation continues to squeeze household income, everyday essentials swallow a larger share of your paycheck, leaving very little breathing room. Recent data highlights that 63% of adults across the country still cannot confidently cover a modest unexpected expense with their cash or savings. When a medical bill arrives or a transmission fails, the lack …

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Tax-Free vs Taxable: Understanding What is TDS in Income Tax vs Exempt Returns in a PPF Interest Calculator

Leave a Comment / Rants / By Dave T

Most people treat all investment returns the same way. Money comes in, gets spent or reinvested, and the tax side gets thought about only when the filing deadline is three weeks away. By then, the damage is already done. The return was calculated on a gross figure. The actual amount in hand is lower. Nobody …

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A Minimalist Approach to Paying Off Debt Faster

Leave a Comment / Rants / By Dave T

Minimalism is often associated with clean closets, simple rooms, and owning fewer things. But at its core, minimalism is really about being intentional. It asks a simple question: what actually adds value to your life? When applied to money, that question can become a powerful tool for paying off debt faster. Debt can feel complicated …

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