As featured in The Wall Street Journal, Money Magazine, and more!


MONEY’s Best Banks in America 2013

by Luke Landes
MONEY's Best Banks in America 2013

The MONEY magazine published its annual analysis of the best banks in America, and I count at least one surprise among the list of 15 categories. Just last month, personal finance bloggers voted on their favorite banks in the Fourth Annual Plutus Awards, and came up with a list with some notable differences, although the […]

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Money Systems That Lead to Success: Extreme Calendaring

by Luke Landes
Extreme Calendaring

As a child with an inquisitive mind, I was fascinated by calendars and how we organize and measure time. I tried to learn why, throughout history, culture accepted new calendars to replace the old. Much remained — and still remains — a mystery to me in this topic; my interest in calendars waned as I […]

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Money Systems That Lead to Success: Food Planning

by Luke Landes
Money System for Your Meals

The diner is a New Jersey staple of the restaurant industry. Once you sit down at a diner, you are presented with a thick menu, enumerating more dining options than you could possibly handle. If there’s any indication that having more choices makes the selection process more difficult, it’s the diner menu. The story of […]

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Money Systems That Lead to Success: Automatic Savings

by Luke Landes
Make Savings Automatic

Last month, I wrote about the opinions of Scott Adams on his eventual success as the creator of the comic strip Dilbert. I focused on the failure aspect of the article he wrote for the Wall Street Journal, and I only touched lightly on the success factors. A system, a methodical way of approaching any […]

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Now Casting Naked With Cash Season Two

by Luke Landes

This year, the Naked With Cash series has been a great success. Through December, we will continue to hear from our seven participants and the three Certified Financial Planners assigned to them as they track their finances and share their latest net worth reports. This concept was the initial inspiration behind Consumerism Commentary. I wanted […]

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The Myth of Early Retirement for the Middle Class

by Luke Landes
Is early retirement a myth?

Financial independence has become an important topic for me over the course of my adult life. It’s been a progression. First, I discovered the concept of spending less than I earn — simple mathematics but a behavioral change — and how that, in addition to making better choices, could eventually lead to financial independence through […]

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Do You Cede Control When You Give Money?

by Luke Landes
Satellite Dish

If a friend or relative comes to you and asks to borrow money, it’s rarely a good idea to offer a loan. If the person in question does need financial help and you’re in a position to offer them a gift, without any strings attached, without the gift interrupting your own financial goals, it might […]

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The Chase Freedom Lifestyle Index: Finding a Story Amid Data

by Luke Landes
Chase Bank

In terms of credit card offers, Chase Freedom is one of the most popular. This is the card that was selected by expert personal financial bloggers to win the Fourth Annual Plutus Award for Best Credit Card Offer, most likely due to its cash-back program, a sign-up bonus, and the strength of the Chase brand […]

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When Do You Call Out of Work Sick?

by Luke Landes

Looking back over my career, which for me started in non-profit out of college in 1998 and 1999, included teaching middle school and high school, transitioned into the finance industry, and eventually culminated in working for myself full-time, I’ve had an opportunity to consider my approach to “sick days.” In the early days, I took […]

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LastDollar’s Net Worth, September 2013

by Luke Landes
LastDollar's Net Worth - Naked With Cash

In Naked With Cash, seven anonymous Consumerism Commentary readers publicly track and analyze their finances on a monthly basis. For almost a decade, I tracked my own finances on Consumerism Commentary; now I’m sharing the benefits of public accountability with the participants. I’ve partnered with financial planners who will offer some guidance along the way. […]

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