The journal
All articles
Field notes on debt, budgeting, credit and the psychology of money — from someone who lived it.

Scarcity Mindset
From One Generation to Another: Scarcity’s Legacy
January 8, 2024

Scarcity Mindset
Teaching Money: How Parents Pass Down Scarcity Mindsets
January 8, 2024

Scarcity Mindset
Breaking the Chains: Escaping Debt’s Grasp in Scarcity
January 8, 2024

Scarcity Mindset
Setting Sail: Achieving Financial Goals Amidst Scarcity
January 8, 2024

Scarcity Mindset
The Saving Dilemma: Scarcity vs. Spending Habits
January 8, 2024

Scarcity Mindset
Emotions Unleashed: Scarcity’s Role in Impulsive Buying
January 8, 2024

Scarcity Mindset
Love and Money: How Scarcity Affects Relationships
January 8, 2024

Scarcity Mindset
The Role of Advertising: How Scarcity Sways Your Spending
January 8, 2024

Scarcity Mindset
Frozen in Doubt: Scarcity’s Impact on Financial Decision-Making
January 8, 2024

Scarcity Mindset
Counting Pennies: The Toll of Scarcity-Induced Financial Anxiety
January 8, 2024