“How do you know if it’s okay to spend money on this?” I have been fielding this question a lot lately. As an advisor, part of me wishes I could sit on your shoulder and tell you when to swipe or not to swipe that card. Even if you could support my weight, that approach is far from practical. So …

Gas prices have given most consumers the biggest raise they’ve scene in the past 8 years. So where has that money gone? In the summer of 2008 the national average for the price of gasoline was over $4.00 per gallon. As I sit here writing this post some seven plus years later, that price sits below $2.00 per gallon. If …