Piggy bank wearing glasses in front of green chalkboard with increasing bar graph on it.

Do you know what your net worth is?  Can you name the number?  It’s one of the most important financial health metrics there is, yet many people don’t have a clue what theirs is.  Too often it takes a backseat in our minds to our salary and credit card limits.   Net Worth Defined   Net worth is defined as assets minus liabilities.  In layman’s terms, that means that:   What you own – What Read more…

Woman holding phone in one and and ready to type on laptop with other. Working on a budget.

Whether you have a stable or inconsistent income, budgeting is one of the most important things you can do when managing your money.   What is Budgeting?   Budgeting is simply making a plan for where your income will go BEFORE you receive it.  It isn’t expense tracking or checking your online bank balance when walking through the mall.  A budget is a clear, written (or typed) plan that you set before money comes in Read more…

Shelf filled with books against wooden background.

The Blessed Life by Robert Morris is a book written from the Christian perspective about the practice of giving.  In it, Morris outlines his take on what the Bible has to say about the role of generosity in a person’s life.   Overview   Defining and exploring practices like tithing, spontaneous giving, and radically generous giving, this book combines Biblical references with stories of personal experience to paint a picture of the blessing that comes Read more…

Couple laying on hammock looking at ocean.

Are you trying to figure out how to travel on a budget this summer?  I’m going to be completely honest with you.  As this post goes public, I’ll be sitting on a beach in Florida soaking up the rays (much like we were doing in the picture above) so vacation is fresh on my mind!   In 2015 alone, Americans left 658 million vacation days unused.  I’m sure there are close to 658 million explanations Read more…

Loose cash bills.

You can pay off debt fast.  Yes, you.  How fast?  Well, that depends on how serious you are about doing what it takes to make it happen.   My wife and I began our marriage $28,000 in student loan and credit card debt.  This is a pretty typical starting point for many American families, but that’s where our “typical” way of doing things stopped.  Over the next 23 months, we did the things outlined in Read more…

Shelf filled with books against wooden background.

Are you looking for ways to improve your ability to make money?  I’m not talking about side hustles or convenient little chores to turn around a few bucks in a weekend.  I’m talking about YOU.  Are you trying to improve yourself when it comes to your overall ability to produce and earn in this world?   Thou Shall Prosper by Rabbi Daniel Lapin is a book written about what it takes to make yourself the Read more…

College graduation cap, diploma, and book on table.

Beginning with the first weekend in May, students across the country will be attending their college graduation ceremonies.  As they walk across the stage to receive their diploma, dreams of success and prosperity will fill their minds as they look ahead to that wonderful season of moving back into their parents’ basements…   From College Graduation to the Real World OK, not everybody will do that, but here’s the truth…the transition from college to life after Read more…

Flat tire with screw in the tread.

Recently after parking in the driveway, I was getting out of my car and walking into the house when a sound caught my attention.  My car is a year 2000 model so it’s prone to making noises that you wouldn’t call typical, but this one stuck out.  It didn’t take me long to recognize that butter-bubbling-in-the-skillet-before-frying-a-perfect-egg sound to be air escaping from somewhere.  I walked a quick lap around and, sure enough, found that I’d Read more…

Rocket Launching out of laptop computer

It’s been a good start to this little experiment of a website!   Earlier this year, I wondered if I could do any good for anybody through a personal finance blog, and the process leading to launching Right Hand Money Man was started!   I have a passion to help people manage their money well.  In my daily work, I get to meet with a lot of people-single and married, with and without kids-and try Read more…

Cars in a line on car lot.

I hear people give all kinds of reasons for coming off the lot with a car note.  A lot of the time I wonder if people even realize that you are allowed to pay cash for cars.   Then I hear people I counsel say things like, “I just thought everyone always had a car payment,” confirming my fears.  There really is an epidemic of misinformed consumers being told simultaneously that having a car is Read more…

Flower against sunrise backdrop.

Now that I’m on this side of it, I can tell you that debt free living is worth all the hard work it took to get here.  The 23 months it took us to pay off a credit card and student loans feels like a distant memory, but that wasn’t so while it was happening.  While paying it all off it felt like it was going to take FOR-EV-ER.   via GIPHY   So how Read more…

Young man working construction.

There are all types of insurance out there.  And as many types of insurance as there are, it seems like there are a million insurance sales people out there for each one of them.  Insurance is one of those things that’s easy to hate.  We pay premiums each month with nothing to show for it, and we often never have the need to actually use it.  There are few things more frustrating than feeling like Read more…

Basketball going through basketball goal.

Whether you took a defeat in the office bracket pool or saw yet another year of your eleven-year-old niece winning the family bracket challenge by picking winners whose names she liked the best…it was another great NCAA post-season with all the drama and excitement that men’s college basketball has to offer.  In the basketball season hangover we now find ourselves in, I thought it would be fun to examine how some of our most common Read more…

How does a newly married couple navigate the landscape of personal finance?  Let’s be honest.  Sometimes it is hard enough to handle money well when you only have yourself to worry about.  Now let’s throw a whole other human into the mix and just see what happens!   As I write this, my wife and I are a couple hours away from attending a wedding shower for some good friends of ours, and it has Read more…

Do you wish you could increase your ability save money?  Do you ever get to the end of the month and wonder where all of it went?  Sometimes, even for people who do their budget, it’s difficult to foresee certain expenses that may come up.  More often, it’s hard for them to change their perspective on the purchases they’re already making.   For example, if a lady is accustomed to getting her nails done weekly Read more…

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