Category: philosophy

“The Future is Never Guaranteed!” Yes. And?

There's a response (or variation thereof) that comes up in almost every section of my financial literacy class for educators. At some point (and often several points) in class discussions, participants will respond with some form of, "The Future is Never Guaranteed!" (And, yes, the exclamation point is generally included.) It always comes up in … Continue reading “The Future is Never Guaranteed!” Yes. And? →

PERACare vs. ACA Marketplace: 2024 Edition

I've written previously about health insurance in retirement for members of Colorado PERA. As we are now in open enrollment for 2024, I thought I would update with current numbers as well as with a philosophical question. But first, a little background. PERACare is health insurance that PERA retirees can get through PERA. It is … Continue reading PERACare vs. ACA Marketplace: 2024 Edition →

Financial Literacy In One Sentence

When I talk with people about financial topics, either in my class or in person, they often say something along the lines of, “But it’s so complicated!” I agree that some topics can get pretty complicated, and certainly there are many things you can learn to help you optimize your finances. But I also gently … Continue reading Financial Literacy In One Sentence →

Is Colorado’s Cost of Living Really “So High”?

As with most of my blog posts, this is speaking to folks with a decent income (say at or around the median household income or better), frequently with a fair amount of additional privilege. That’s generally who is taking my class or reading this blog. In the financial literacy for Colorado teachers class I teach … Continue reading Is Colorado’s Cost of Living Really “So High”? →

Some Musings on Housing, Renting, Wages and Perspective

Note: This is not going to be an in-depth, research-based, exploration of any of these topics. Many folks more knowledgeable than me have written much more useful information around these topics (Ben Carlson at A Wealth of Common Sense frequently talks about housing). But I still felt like I had something to say based on … Continue reading Some Musings on Housing, Renting, Wages and Perspective →