Down is Not Very Far

I received some disturbing news recently about someone I know who has depleted all of their savings. It wasn't a surprise; the behavior they've displayed over the last several years was marked by a complete lack of discipline along with a profound and reckless disregard for consequences. A devil-may-care attitude, if you will. Although the …

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I’d Never Steer You Wrong

The problem with giving advice is that you sort of have to know what you're talking about in order to make a difference in someone else's life. It's not a hard and fast rule, though. Many people fake it. They express a noticeable sense of self-confidence and put up strong airs about their superior knowledge. We call such people blowhards, …

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