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Life Is Short: Toxic Financial Attitudes

by Luke Landes
Drinks on beach

There’s a good reason I can’t get into extreme savings for retirement. When desperate financial times call for desperate financial measures, there is a good incentive to cut all unnecessary spending and eliminate bad debt. Many people even wait until they hit rock bottom before reforming their approach to their finances, because the effects of ... Continue reading this article…

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How to Optimize Your Retirement Investing Priorities

by Luke Landes
Golf in Retirement?

The law in the United States is designed to encourage each working citizens to save for his or her own future. Through tax advantages, there are subtle incentives for investing in certain types of accounts. These incentives encourage financial literacy, boost use of the economic machine of the financial industry, and shift the burden of ... Continue reading this article…

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Welcome to Consumerism Commentary

by Luke Landes
Luke Landes

If you are new to Consumerism Commentary, start here. My name is Luke Landes, and I am the founder of Consumerism Commentary. I started this website in 2003 to hold myself accountable for my choices pertaining to my financial condition. Over the subsequent years, Consumerism Commentary has grown into one of the most popular blogs ... Continue reading this article…

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5 Most Annoying Banking Fees

by Luke Landes
Grabbing money

Fees and surcharges seem to be an unavoidable part of living in a world where banking is big business. If you keep your financial situation simple, diligently shop around, and keep an eye on your money, you can avoid may of the more common fees. In theory, you could increase your fee-avoidance ability by keeping ... Continue reading this article…

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For Financial Freedom: Reduce Expenses or Grow Income?

by Luke Landes
Penny

The frugal approach to growing wealth focuses on what you spend. The Millionaire Next Door, one of the most popular wealth motivation books, shows how spending wisely is the most important factor in increasing net worth. The book contains anecdote after anecdote about millionaires who live below their means and keep their wealth by maintaining ... Continue reading this article…

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Podcast 168: Liz Weston, There Are No Dumb Questions About Money

by Luke Landes
Liz Weston

The Consumerism Commentary Podcast has been on hiatus this summer, but Tom and Jay are returning soon with monthly podcasts featuring interviews with authors, industry experts, and CEOs. In the interim, I will be featuring a few Podcast Special Editions, hosted by myself, also featuring a number of great interviews. The first of these Special ... Continue reading this article…

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It’s Time to Create a Will

by Luke Landes
Coins

I’m almost ashamed to admit this: I don’t have a will. I’m not happy about that, and it’s a situation I’ll change within the next few weeks. After being surrounded by so many intelligent people at the Financial Blogger Conference this weekend (please read my review), my lack of attention to this important facet of ... Continue reading this article…

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Individualized Coupons Aid Price Discrimination

by Luke Landes
Grocery store

I’m not a fan of allowing companies to track every purchasing decision I make, but I’ve sacrificed some of my expectations for privacy in return for convenience. I use my credit card for most purchases, and over the years, credit card issuers could have created a database with my transaction history and could theoretically use ... Continue reading this article…

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