Simplifying finance for everyone!
Simple Finance Bytes 
Subscription Audit: The average American household now spends $273 per month on subscriptions, but most people estimate their spending at only $79 monthly. If that gap surprises you, you’re experiencing exactly what subscription companies designed – the psychology of invisible recurring payments. This isn’t about bad budgeting. It’s about how your brain processes subscription costs … Read more
Most credit card advice is designed to make your life harder, not easier. The financial industry wants you juggling multiple cards, tracking rotating categories, and optimizing every purchase because complexity leads to mistakes – and mistakes are profitable. There’s a better way: the 2-card rule that works with your psychology instead of against it. Why … Read more
Starting your investment journey shouldn’t require a finance degree or thousands of dollars. Yet most investment platforms make it feel exactly that complicated. Today we’re breaking down why Robinhood works so well for beginners and how to set up your account the right way. This is part of our Simple Finance System (SFS) Module 4, … Read more
A high yield savings account could be the easiest way to stop losing money every single year. Most people keep their emergency fund in regular bank savings accounts that pay almost nothing while inflation eats away at their buying power. Your bank is basically stealing from you, and they’re counting on you not to notice. … Read more
The debt snowball method might be the most misunderstood strategy in personal finance. Financial experts constantly criticize it because it’s not mathematically optimal, but they’re missing the point entirely. The debt snowball method works precisely because it ignores perfect math and focuses on human psychology instead. If you’re struggling with multiple debts and feeling overwhelmed … Read more
The credit union vs bank decision might be the most important financial choice you make this year. Most people stick with traditional banks out of habit, but they’re quietly losing hundreds of dollars annually in unnecessary fees. The truth is, traditional banks are designed to profit from your confusion, while credit unions exist to serve … Read more
Why You Need Ad Blocker Alternatives in 2025 If you’ve been using uBlock Origin on Chrome to block ads, you might have noticed something has changed. That’s because Google has officially killed support for it through its Manifest V3 update. This change breaks how ad blockers work and is a big loss for privacy-focused users. … Read more
Why You Need to Simplify Your Finances The modern financial system is built to confuse you. From hidden fees to overly complicated accounts, banks and financial institutions profit when you don’t understand what’s happening with your money. But there’s a better way. When you simplify your finances, you save more, grow your wealth faster, and … Read more
Side Hustles for Financial Freedom Start Right Where You Are. Side hustles for financial freedom are a better way to reach your financial goals. Cutting expenses is important. Living below your means, embracing underconsumption, and spending less are good habits. But there is a limit to how much you can cut. If you truly want … Read more
Credit unions are the key to America’s financial future. They’ve always stood for people over profits, for community over corporate control. And right now, we have a once-in-a-generation chance to help them rise—together. One dominant force has long shaped American banking. A system where fees flow up, trust runs thin, and the average person is … Read more