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Personal Finance

Four Reasons to Talk Honestly About Money

by Luke Landes

Prior to starting Consumerism Commentary, I didn’t talk about money. I’d encountered money problems with friends and families, and dealt with the problems as they came, but except for a conversation later on with my father once I was starting to improve my financial situation, it just wasn’t a topic for general discussion. People don’t […]

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Moved Bank and Investment Accounts to a Living Trust

by Luke Landes

I spent about half of the day today taking care of some of the financial responsibilities I have been putting off. It feels good to check to-do items off my list, especially if they have been sitting there for some time, and I’ve been either procrastinating or filling my day with other priorities. One of […]

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The Psychology Behind Financial Wellness

by Guest Author

As far as I’ve come with my ability to manage my own finances, I often fall back into the comfort of unmanaged chaos. The comfort comes from the lack of work and the lack of worry, which often win the day over meticulous planning and consideration. I’m cushioned at the moment; I know that I […]

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Moving Assets Into a Revocable Living Trust

by Luke Landes

To prepare for the idea that someday I may no longer be alive, but also as a matter of general organization, I have created a revocable living trust. The primary benefit of this type of trust is to avoid a hassle for those who may be dealing with my estate after I die. No, I […]

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Take the Time to Meet With an Estate Planner

by Luke Landes

After putting this aspect of my finances off for the duration of my entire adult life, I finally found a recommendation for an attorney who focuses on estate planning, and we had our initial meeting earlier today. A few months ago, I had some concerns that my tax accountant, who had done a good job […]

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You Can’t Control Everything About Your Money

by Luke Landes

Choices play the biggest factor in success in life, financial success or otherwise. It took me a long time to come to that conclusion, but once I started accepting the facts that I could choose how I spend my time, I could choose how hard I work, and I could choose how to react to […]

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What Is Your Biggest Financial Concern Today?

by Luke Landes

I am preparing for a possible media appearance on a program broadcast across the world. I’ve been reading a number of news stories as well as comments from readers in order to get a sense of what Americans are concerned about today. One of the biggest issues seems to be the so-called fiscal cliff. I’ve […]

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Someone Will Take Care of Me: Toxic Financial Attitudes

by Luke Landes

Eleven years ago, I left a job at a small company. My boss, the head of the company, agreed to call the break-up mutual, but I was leaving the organization without any prospects for a new job. I spent the next few months looking for a teaching job that matched my interests and my degree, […]

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Albert Einstein’s Philosophies For Growing Wealth

by Luke Landes

Although blogs and newspapers alike have oft posthumously placed a familiar quotation pertaining to compound interest — it being the most powerful force in the universe or man’s greatest invention — in the mouth of Albert Einstein, there is no evidence he ever said such a thing. He might have; the sentiment matches what seems […]

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I’ll Worry About It Later: Toxic Financial Attitudes

by Luke Landes

At various times throughout my life including the present, I’ve been guilty of having attitudes that could be damaging to my hopes for financial independence. I am generally a laid-back person, and my lack of what can be called “urgency” has certainly damaged my corporate ladder-climbing options. Although I’m fine with that, and I have […]

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