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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Best Honolulu Pickleball Discount Code (October 2026)

Leave a Comment / Rants / By Dave T

Updated: 10/15/2026. This article contains links that help support this website. Honolulu pickleball is my favorite pickleball paddle brand, so I wanted to find out what is the best Honolulu pickleball discount code that you can use to get savings if you are not military, government, senior or a teacher. Discount code: PICKLEBALLER20Potential savings: 10% …

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Building a Small Testing Laboratory Budget Beyond the Equipment Purchase

Leave a Comment / Rants / By Dave T

Photo from Restek Planning a small food-testing lab? The talk usually starts with instruments. Fair enough. A major piece of equipment is visible. It’s easy to quote and easy to picture on a bench. But the instrument is just line one. The budget has to keep the lab running month after month. Say a lab …

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How to Budget Realistically Before Bringing Home a Puppy

Leave a Comment / Rants / By Dave T

Photo from Magnific Puppies bring wagging tails, sure. They bring costs nobody shows in the photos, too. Food and a leash? Obvious. Others show up later. A surprise vet visit. A chewed-through sofa cushion. A realistic budget won’t take the joy out of the decision. It keeps money worries out of the background. Then you …

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How to Plan a Career Change Without Putting Your Finances Under Pressure

Leave a Comment / Rants / By Dave T

Photo from Magnific Changing careers can feel exciting and unsettling at once. You may be ready for new work. Still, rent, groceries and insurance bills keep coming while you learn something new. The good news? A career change doesn’t have to be a leap. With some planning, it can be a string of manageable steps …

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3 Ideas to Budget for a Bathroom Upgrade Beyond the Sticker Price

Leave a Comment / Rants / By Dave T

Photo from Premier Bidets A price tag on a shelf or a web page feels like a clear answer. In practice it rarely is. When you upgrade a bathroom, that first number is only a slice of what you’ll spend. Delivery, labor, small parts and repairs all land on the final bill, along with a …

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5 Ideas for a Personal Style Budget That Leaves Room for Hobbies

Leave a Comment / Rants / By Dave T

Photo from Medieval Collectibles Most of us want to look put together without draining the money we’d rather spend on the things we love. Maybe that’s a weekend hiking habit, a pottery class, a camera or a shelf of new novels. The trouble is that clothing spending creeps. A small purchase here and a sale …

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