The No Worries Way
I am in New York for the launch of No Worries. Let’s talk about all the personal finance decisions I made to get here.
Points and Miles
Here is the thing with miles and points: People spend a lot of mental energy trying to figure out how to get the miles and points, and then they get the miles and points but never use them.
It Might Be a Bad Year
2024 might be a bad year. We might get a recession. We might get a bear market. We might get a housing collapse. We might get a war. We might get political turmoil. Actually, that is definitely going to happen.
New Year’s Resolutions, Etc.
Some people get themselves in a big financial jam, like with six figures in credit card or other debt. Then they feel stuck—it will take a decade to pay this off. It is pretty close to checkmate.
Buying a House in Today’s Interest Rate Environment
Even if you’re not up to your eyeballs in the financial world, you have probably heard that interest rates have come down a bit. Ten-year interest rates have dipped about 1%. Thirty-year fixed-rate mortgages are benchmarked off 10-year interest rates, so mortgage rates have come down about 1%.