This guy is going to regret his life in 15 years

Sigh. An email I got recently. Vito writes: "Love your name btw. Just ram it! lol. My investment strategy is non complicated. I invest everything I have in gold and silver. 75% silver and 25% gold. Simple and effective and no need to read any books. It's doing very well. Nobody I know has the slightest clue what's going on. ...

Most people in debt don’t even know how much they owe

Yesterday, I ran a small survey: How long until you're out of debt? Yes, it's a self-selected audience I've long suspected that most people in debt don't even know how much they owe. I'm trying to dig up data on this, but from talking to tons of people about this, I feel comfortable saying "most" people in moderate to significant ...

Your parents are delusional about tax refunds

I love tax time because all these kooky weirdos come out of the woodwork -- including personal-finance "experts" who don't know what they're talking about. These are the people who will get on TV, or on their online soapbox, and lecture you about taxes. One of their favorite go-tos is this old chestnut: "If you're getting a tax refund, you're ...

Persuasion Classroom: Don’t try to help everyone

I believe in trying a lot of things, getting really good at a few, then turning around and teaching other people how to do it. I did this with money, negotiation, earning more, and I'm doing it with psychology and behavioral change. But I don't believe in helping everyone. As I've written before... Imagine the world has As, Bs, and ...

My Free Insider's Kit will show you how to earn more money

5 fascinating perspectives on money

1. It's Coming: The $5 ATM fee My thoughts: Who cares if you have a checking account that refunds 100% of ATM fees? 2. Awesome tips on dealing with contracts My thoughts: From the article, the commenter writes: "This isn't even a housing thing, this is just a global thing. I don't think I've ever signed an employment contract without ...

The futility of out-educating fat

Superb: "Years ago, Tufts University invited me to lecture during a symposium on obesity... Lecturer after lecturer offered solutions for America's obesity problem, all of which revolved around education. Americans would be thinner if only they knew about good nutrition and the benefits of exercise, they told us. Slimming down the entire country was possible through an aggressive public awareness ...