This is something I've been talking about for weeks - the stimulus has worn off, and consumers are seeing their disposable income below...

One of the biggest problems facing our society - all great societies end when the 'haves' and 'have nots' get too far apart. This has...

Update of the Borrow Smart University quarterly graphic on Assets/Liabilities - this shows you a rough estimate of the balances of all...

Interesting survey of consumers around key personal finance areas... 39% feel pretty good, but the rest fall into a variety of...

Here's a simple way to see the impact of interest rates on future home values. In January of this year, $1,000 per month would buy you...

We have had four quarters in a row where real disposable income has gone down... and the only month in was positive in the last six...

We shared the incredible growth of equity in US Households... caused by price appreciation (and a possibly misguided effort to pay off...

Inflation-adjusted returns on Private Real Estate (homes) versus S&P 500 since around 1964. In another post we were talking about...

We teach about LAG - Liability Asset Gap. One idea we share is putting less investment inside your house (private real estate) and...

This is encouraging and a little surprising. The first time since 1980's that the US population has more cash than debt. There were...

Let's take a look at how compounding works based on the interest rate. Compounding works for or against you...

The Liability Advisors focuses on cash and liabilities as they are the key basis for wealth creation. If you can't manage your cash and...

Made it easier to remember: http://calmeducation.com/ Come take our 9 part class on Financial Literacy.

Share this with your employer, and ask them to reach out to us for an event in your office.

Think about what's happened in the last 18 months: Oil went from -37.63 a barrel to over $115 a barrel Unemployment went from 14.7% to...

Inflation is the ultimate tax. It impacts everyone, but it has a greater impact on some. Housing (rent) is predicted to increase more...

Since 1990, house values have gone up a great deal. What have monthly PITI payments done during that same time period? From 1990 the...

Reminder - all borrowing is simply your money from the future that you choose to spend now. When you borrow to buy a depreciating asset -...

The everything debt bubble? I can see how the public debt increased so rapidly in 2020 from the COVID-related payments, but why did...

This is telling... disposable income after the covid stimulus is drifting down while consumer credit is going up - this means consumers...

"Good time, bad times, you know we've had our share..." Led Zeppelin was probably not referencing this graph, but one key obstacle right...

This is how I feel about Liability Management: "You may remember the story Charles Osgood once told about four people named Everybody,...

We are +14% above the 2006 peak in housing prices on an inflation-adjusted basis (meaning in real wealth terms). From a nominal wealth...

Hmmmmmmmm............. too many Realtors, might mean we also have too many loan officers. Usually spikes in employment are highest before...