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 …

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

The Paperwork Nobody Talks About When You’re Fighting Debt

Leave a Comment / Rants / By Dave T

Most personal finance advice focuses on the numbers — budgets, interest rates, debt snowballs. What rarely comes up is the legal paperwork that runs alongside your financial life, quietly protecting you or exposing you depending on whether you’ve got it in order. Using legal document forms when you’re navigating debt isn’t about being paranoid or …

The Paperwork Nobody Talks About When You’re Fighting Debt Read More »

The Smart Budgeting System That Actually Works

Leave a Comment / Rants / By Dave T

Budgeting is one of the most powerful tools you can use to take control of your finances, but many people struggle to stick to a budget that actually works for them. Whether it’s due to lack of discipline, changing financial circumstances, or simply not understanding how to create a realistic budget, the challenge of effective …

The Smart Budgeting System That Actually Works Read More »

Will a Restraining Order Appear on a Background Check?

Leave a Comment / Rants / By Dave T

At any given time, it is believed that there are about 1.2 million protection orders secured in the USA related to domestic violence. These orders may be given to protect one party from the perceived danger that another party brings. For individuals who received restraining orders but are trying to return to the workforce, they …

Will a Restraining Order Appear on a Background Check? Read More »

Life Insurance Claim Denied: What Are Your Options?

Leave a Comment / Rants / By Dave T

Did you know that 51% of American adults have life insurance, but 40% (nearly 100 million people) believe they need more? Life insurers paid a record $110 billion in annuity benefits in 2024, continuing high payout trends into 2025. Having a life insurance claim denied can be frustrating and overwhelming. This can be even worse …

Life Insurance Claim Denied: What Are Your Options? Read More »

What Triggers a Workers’ Comp Settlement Offer?

Leave a Comment / Rants / By Dave T

Stated in the Workers’ Compensation Awareness Update 2025, released on August 20, was that 1 in 10 U.S. adults had sought workers’ compensation benefits, according to a survey of 1,000 U.S. adults. Among those who applied, 7 in 10 said they were accepted, another group of 11 percent mentioned being denied, and the third group …

What Triggers a Workers’ Comp Settlement Offer? Read More »

How Does a Consent Order Work in a Legal Case?

Leave a Comment / Rants / By Dave T

In January 2026, the Federal Deposit Insurance Corporation (FDIC) reported eight enforcement agreements. These agreements consisted of two new consent orders and the terminations of the two existing consent orders. What is a consent order? A consent order is a legally agreed upon document, approved and issued by a court. This document intends to resolve …

How Does a Consent Order Work in a Legal Case? Read More »