The Math on Investing vs. Paying Off Debt — and Why Bankruptcy Changes the Equation
Should you invest or pay off debt? A retirement-aware debt expert runs the math — including the calculation that changes everything.
Myvesta
Debt Snowball vs. Avalanche vs. Bankruptcy: The Comparison Dave Ramsey Never Shows You.
The snowball and avalanche debate leaves out the option that wins on every factor. A debt expert who filed Chapter 7 explains the comparison nobody makes.
I Filed Bankruptcy AND Ran a Credit Counseling Agency. Here Is the Comparison Nobody Else Can Make.
The only debt expert who filed Chapter 7 and ran a DMP agency for 12 years compares debt consolidation vs bankruptcy with the math nobody else shows you.
I Founded a Program for Compulsive Spenders. Here Is What Reselling Does to Your Finances.
Reselling on Poshmark started as decluttering. Now it is fueling debt. The founder of a spending recovery program explains the cycle and the way out.
Credit Counseling vs. Bankruptcy: What I Learned Running One Side and Filing the Other.
I founded a credit counseling org and I filed bankruptcy. Here is the side-by-side comparison the enrollment process does not show you.
I Founded a Credit Counseling Agency. Here Is How They Actually Make Money.
Fair share payments, setup fees, and a revenue model tied to enrollment — not outcomes. From someone who built one of these organizations.
Debt Is the Symptom, Not the Problem: The Framework That Changes Everything About Getting Out of Debt
Every debt advice article starts in the wrong place. They start with the debt. I start with what caused it.
Debt Is Destroying Your Marriage? After 30 Years of Helping Couples, Here’s What I Wish Someone Had Told You
Savers attract spenders — research proves it. After 30 years of counseling couples in debt, here is what actually saves marriages.
Spending Addiction Put You in Debt? I Founded a Program for This — Here’s What Actually Works
Compulsive spending shares brain circuitry with substance addiction. Budgets won’t fix it. I founded the first inpatient program for this — here’s what the research says works.
Why Financial Literacy Classes Fail: What the Research Actually Shows
Financial literacy education explains only 0.1% of financial behavior variance. A synthesis of 201 studies, Big Five personality research, and original 2001 clinical data from Myvesta reveals why — and what money personality reveals that classrooms never can.
