Financeography

Every few months, someone in my life tells me I’m “throwing money away” by renting.

For about two years, I did freelance consulting on the side while working my day job.

When I moved to the US for grad school at 22, I had no credit history.

Okay so I need to tell you about something I learned way too late: the Health Savings Account might be the most tax-advantaged account that exists.

I started my first “real” job at 23 and didn’t contribute anything to my 401k for two years.

We’d been dating for about eight months when I found out my girlfriend had $45,000 in student debt she’d never mentioned.

I remember the first time someone told me to “just invest in index funds.”

I used to think negotiating bills was something only super aggressive “I want to speak to the manager” types did.

Alright so I need to confess something.

So I’m gonna be honest with you — I used to absolutely dread every six months.