The loneliness of young adults is not only about devices, although the ubiquitous smartphones certainly do not help us feel connected to the other people in our midst. Yes, you have a relationship with your parents; you go to their house to do your laundry, and you linger after the last pieces of clean clothes…

When you are living in challenging circumstances, every small victory counts. The fact that most people who buy lottery tickets have less employment income than they need to make ends meet surprises no one who has ever lived paycheck to paycheck. Winning a free lottery ticket is worth the price of the original ticket, if…

In the corners of the Internet dedicated to the debt-free lifestyle, people will tell you that you should never borrow money under any circumstances. People who manage to do this are relying in part on good luck. Who can own a house without taking out a mortgage loan?  Only people who inherited houses from relatives…

Reading the news can fill you with dread, and most Internet content is designed to play on your insecurities, even if they are of a personal nature, but you can also count on the Internet to find evidence that there are other people out there who are even more hopeless than you are. According to…

It is infuriating when old people give you outdated financial advice that makes it sound like your financial problems are all your fault. They tell you that you are wasting money by paying rent instead of a mortgage, but they do not have a plan for how you can qualify for a mortgage and get…

If you have accessed the Internet at any time in the past decade, you have probably found content about how people your age do not understand the financial struggles that young people are facing, and that you and your peers are unfairly blaming the young generation for their dismal financial situation. Now think about the…

Making your debts go away quickly comes at a cost. The best-case scenario is that you win the lottery, inherit money from a relative, or land your dream job; if that happens, you will gain money but lose friends, either because they are jealous of you or because your newfound fortune brings out your worst…

Getting through another month without overdrawing your bank account and without incurring any more late fees feels like a win.  You should congratulate yourself by doing something that ostensibly doesn’t cost any money, like going for a walk for the length of time it takes to listen to three songs or procrastinating going to bed…

Not having any money is bad enough, but it only adds insult to injury when you check your bank account balance, and it shows you a negative number, so you can see exactly how much less than nothing you have.  The indignity of having an overdrawn bank account does not end as soon as you…

Florida may call itself the Sunshine State, but the muggy Everglades, where the alligators can always slide into the water to cool off, and the single-family homes where a chill sets in during the daily lightning storms, have got nothing on the likes of Death Valley, where there is no shade, no rain, and no…