Have you ever had a month, or even longer, when so many money-related things in your life caused you a lot of stress?

Times when you felt that you dropped the ball so to speak in some way, shape, or form?

I have.

Most likely too many times to recount. It would be like reading War and Peace about what I coulda shoulda and woulda done personally, financially, and professionally had I known then what I know now.

Alas and alack, I do not know of anybody who has succeeded in going back in time to make some better decision…

Cal Almonds on Flickr

I suppose that this story could be construed as a spoiler alert if you have never watched one of the greatest movies of all time, The Godfather. The Godfather Part 2 is just as good, if not better. Those are two of my top five movies for sure.

Let’s just pretend that Godfather Part 3 was never made.

So if you have never watched those movies (you cannot just watch one of them — that would be crazy) but intend to, then please stop reading here and please go read one of my other stories.

If you have watched them…

Image by 3D Animation Production Company from Pixabay with text added by author

If I did not Pay Ourselves First, as I refer to the sage personal finance advice, since the payments that I currently make and have for many years incorporate others besides myself, during months and years where funds were tight, and we had more pressing things to pay for…

Well, I suppose that I might still simply be thinking, and perhaps writing, about Paying Yourself First instead of actually doing it. …

Even Chase Bank promoted pensions in the 1940s. Source: Tobias Higbie on Flickr

I’m going, to be honest, here with you, as always. The following is a short yet descriptive story of how it came to be that in less than five years, I will become eligible for one of those things that is becoming rarer as the years pass — a defined benefit pension plan.

I completed my undergraduate education and received a BA in communications in December of 1992 and then moved right back home to my parents' house in Evanston. Besides coaching my younger brother’s PONY league baseball team with my father which was one of the most enjoyable and…

Source: thinkpanama on Flickr

A middle-aged guy like me who has invested for more than two-and-a-half decades has been around the block a few times.

As such, I have invested and speculated on a very eclectic and wide-ranging variety of instruments over the past twenty-six years. Some of them did quite well, like the Wellington account that helped my late grandfather make me an extra fifty grand and not-quite that amount for my son a few years back to help put my children through college.

Some frittered away into nothing, or even worse, made me lose more than I had due to my stupidity…

Image by Gino Crescoli from Pixabay

I have previously mentioned my proclivity to save things to write about at some future time.

Along those lines, I came across one such article while searching for another, and it piqued my interest to write about something that was important back hundreds of years ago, throughout the Great Depression, the Great Recession, the COVID-19 recession of last March, and today as you read this: saving money.

Even as Reddit Money Bros are minting instant fortunes early this year on their GameStop stock and Bitcoin, saving money remains important today and always will. As the economy continues to become more…

Photo by Jacob Mejicanos on Unsplash

An interesting article showed up in my email recently due to me signing up for Fast Company several years ago and being too lazy to unsubscribe from it, although I have been unsubscribing from a large number of newsletters and publications of late. The article is titled Just Buy the F***ing Latte by Sallie Krawcheck.

I love the title of the article, as it reflects my own feelings on the topic. …

Source: Monito on Flickr licensed under the terms of the cc-by-2.0.

Let’s say that I owe you fifty bucks.

How exactly should we make this happen?

You need the money immediately, so how about I Venmo it over to you?

Oh, you’re not on Venmo. Then you must use Zelle.

More of a PayPal kind of person?

Prefer a brand new, crisp Grant to put in your pocket?

Perhaps you don’t mind waiting for a check to make its way to you through the mail; then a few days or weeks after it shows up, assuming that it does, you will head over to your bank or an ATM somewhere to…

My wife made this for our dinner last night.

It was super tasty.

We had just recently finished watching every episode of Somebody Feed Phil, one of the numerous shows that we have been streaming on Netflix during the pandemic, and both of us like a term that he uses — Zobble it up.

There are not any references to it almost anywhere, but it is a term that he uses to soak up delicious sauce with bread.

That said, besides being one of the tastier chicken dishes that we have had for a while, the four of us including…


My wife just told me that I am getting too emotional about a business transaction today, and she is absolutely right.

Since she does not care to hear about it, I share the following with you to explain why the fifty grand that my late grandfather made for me today is so meaningful to me.

If you are a parent, it may get you thinking about how not if you will help fund your child’s college education.

Many moons ago, when I was just a young buck of about twenty-four, my maternal grandfather, with whom I was extremely close, took…

M. Bernard Bloom

I am a middle aged middle class guy living in the Midwest. Married father of two children and a Morkie. Long-time economic developer and former P.O.

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