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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How to Know If an Investment Offer Is a Scam

Leave a Comment / Rants / By Dave T

Imagine receiving a message promising an investment opportunity that guarantees high returns with minimal risk. For many Filipinos, this scenario is all too familiar, and unfortunately, many still fall for it. In fact, the Philippine National Police Anti-Cybercrime Group (PNP ACG) recorded 496 investment scams in the first eight months of 2025 alone, highlighting just …

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Private Equity Secondary Market: What You Need to Know

Leave a Comment / Rants / By Dave T

Private equity is no longer restricted to long investment horizons and a lack of liquidity. It now represents a more dynamic opportunity with the secondary market. Investors can purchase or sell interests in existing funds without waiting for them to reach maturity. It has allowed for more efficient capital flow and portfolio management. It also …

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10 Most Expensive Pickleball Paddles in the World

Leave a Comment / Rants / By Dave T

I’ve tested well over 100 pickleball paddles at this point, and I still get surprised by how expensive some of these paddles can get. I’m not just talking about $200 or even $300 paddles. I’m talking about paddles that range from $300 all the way up to $8,000 on the resale market. Yes, really. I …

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Practical Financing Options for Roof Replacement When Facing Financial Constraints

Leave a Comment / Rants / By Dave T

Your ceiling is bleeding dirty water onto the hardwood. Buckets line the hallway. The national average to replace a residential roof sits around $11,500. You are currently fighting a multi-front war against $25,000 in high-interest consumer debt. Panic sets in. This feels like the kill shot to your financial independence journey. It is not. You …

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The Exact Steps to Rebuild Your Credit After Major Debt

Leave a Comment / Rants / By Dave T

U.S. consumer credit card balances hit a record $1.39 trillion heading into 2026. North of the border, 54% of Canadians carry credit card debt. But here’s what most people miss: paying it off is only step one. The real work is repairing what those balances did to your credit file. And that’s gotten harder. A …

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