You have a choice: pay me $10,000 right now or pay me $10,000 in one year. This is not meant to be a trick question. For all that is good in the world, I hope you will choose to pay in one year. …

Legal pads. If someone were to ask me, “what random thing do you remember most from your childhood?”, my answer would be legal pads. The sight will forever be etched into my mind of those triple-folded canary-yellow extra-long pages with blue lines and a red margin. These pages, along with…

2020 was…. enter any of the countless descriptors that have been thrown around: dumpster fire, horrible, a nightmare, not cool, a test by our simulators, etc.. It was the type of thing that would make my Eastern European grandmother cover her face, shake her head, and let out a sigh…

This article originally appeared on the eightfold.ai blog Why do we get an education? When I ask people this question, I receive a variety of answers like, “that’s just what we do!” or “so young adults can find out what interests them.” While these answers are true in a sense…

This article originally appeared on the eightfold.ai blog It took me 28 years to find my reason for being — my ikigai — which the Japanese say is found at the intersection of what a person is good at, what a person loves, what the world needs, and what a…

Follow the Allocation Crossing Point & Step-Down Method instead Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article do not represent financial advice. I have spent a good amount of time browsing through student loan boards and accounts on Quora, Reddit, Instagram and Twitter, and…

Perception dictates action. It is human nature and it will often influence us regardless of our awareness. So what can we do about it? Let’s start with these three questions: Can you remember the last time you tried to do something that you didn’t know much about or are not…

And What You Can Learn From It The student loan refinancing market is flooded with companies that claim to help student loan borrowers get a hold of their finances and become debt free. Just to name a few: SoFi, CommonBond, Earnest, Laurel Road, LendKey, First Republic, Citizens Bank. As a student loan borrower, I’m not naïve enough…

Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article do not represent financial advice. “Student debt” should be renamed “school debt”, just like how “global warming” changed to “climate change”. The current naming convention places a…