New Book: TL;DR: Financial Literacy for Employees of Texas Public Schools: Optimizing Financial Decisions Based on Your TRS Benefits

I just wanted to share my latest book, this one written with Ryan Cruz for educators in Texas Public Schools, focusing on financial literacy and making the most of their TRS pension benefits. Please consider sharing with any teachers you know in Texas. This is the latest in the TL;DR Financial Literacy series. If you … Continue reading New Book: TL;DR: Financial Literacy for Employees of Texas Public Schools: Optimizing Financial Decisions Based on Your TRS Benefits →

Coloradans Should Buy an EV

This post is about Colorado HB23-1272 which has passed the Colorado legislature and is awaiting the Governor's signature. Like most bills, this one is complex (77 pages long) and filled with legislative and legal jargon. As a result, the following is my current interpretation of some of the provisions in this bill but it is … Continue reading Coloradans Should Buy an EV →

My Financial Mistakes (So Far)

One of the things that I frequently talk about in my classes, my books, and when talking with folks individually is that one of the biggest problems we have in personal finance is that talking about it is still taboo for many people in our culture. We’ll talk about making money in general, and certainly … Continue reading My Financial Mistakes (So Far) →

Series I Bond Arbitrage

Note: The following is a whole bunch of words with very little financial payoff in the end. But, if you're into stuff like this, it still might be mildly interesting. Series I Savings Bonds became very popular a couple of years ago with the surge in inflation, and many folks moved some money into I … Continue reading Series I Bond Arbitrage →

Student Loan IDR Waiver Extended to December 31st, 2023

Recently I wrote about the proposed new REPAYE program for federal student loans. While we still haven't heard whether this is going to go through as proposed or will be modified, we did get a different announcement last week from the Department of Education which is also a huge deal for many federal student loan … Continue reading Student Loan IDR Waiver Extended to December 31st, 2023 →

Free Student Loan Help for NEA Members

Folks who are members of the National Education Association have access to a free student debt navigator program called Savi. This is an online tool that asks you a bunch of questions about your student loans and the rest of your financial situation (income, taxes, marital status, loan forgiveness eligibility, etc.) and then gives you … Continue reading Free Student Loan Help for NEA Members →