What’s your but?

The REI promotion asked “What’s your but?” Our excuses for not being active might sound like this: “but it’s too early, too late, too hot, too cold…” and I get it. My perception of getting out for a hike is often that it’s going to be any one of these things – too...

Real people, real savers

Do you track your net worth? It’s a great way to measure financial health and progress. We update net worth statements each time we meet with 3rd DecadeTM clients and when I noticed that one couple’s net worth had gone from -$18k to +$128k in just under two years, I...

I Digress…

My blog on home affordability took me to the tech startup Divvy which led me to Max Levchin of HVF Labs who somehow juggles a smorgasbord of tech startups, board positions, wife, kids and 800 emails a day. I was left with the nagging question “How does one person pull...

Your Financial Personality

How you react to money and financial issues is both unique to you and critical to your long-term financial success. This is the heart of behavioral economics. Take this test to better understand yourself. I’ve replicated the short five question test from “Simple but...

Housing Affordability – some workarounds

Innovators respond to market inefficiencies. As affordability has become more of an issue in the housing market, we’re seeing entrepreneurs offering creative options. Heard of Divvy? Born in a Bay Area tech incubator and launched in January of this year, Divvy raised...