Debt payoff is a math problem wrapped in a psychology problem The math of debt payoff is straightforward. The psychology is where people fail — […]
Author: pulapapo
Retirement Planning Tools That Actually Help You Retire Earlier
Most retirement calculators set expectations too low. Here’s how to use better tools. The retirement planning industry has historically sold one product: a mutual fund […]
E-Commerce and Dropshipping: What Still Works After the Hype Cycle
Dropshipping is not dead. The easy version is dead. The influencer-driven dropshipping craze of 2017–2021 — find a supplier on AliExpress, spin up a Shopify […]
Freelancing Platforms Compared: Where to Actually Find Good Clients
Not all freelancing platforms are equal. The best clients aren’t on all of them. The freelancing platform market has fragmented significantly over the past five […]
Buy Now, Pay Later: When It Makes Sense and When It Destroys Your Budget
BNPL is not inherently predatory. But it’s not inherently neutral either. Affirm, Klarna, Afterpay, and PayPal Pay Later processed over $100 billion in transactions in […]
Insurance Tech Is Finally Getting Good: What to Know Before You Renew
The insurance industry was one of the last holdouts against tech disruption. Not anymore. For most of the 20th century, buying insurance meant sitting across […]
Credit Card Rewards Optimization: How to Actually Win at the Points Game
Credit card rewards are a multi-billion dollar transfer from banks to organized consumers Banks and card networks earn billions in interchange fees from merchants (typically […]
SaaS Tools Worth the Subscription: A Ruthless Audit
The average knowledge worker pays for 8+ SaaS subscriptions. Most don’t earn their keep. Subscription fatigue is real. Software companies have weaponized credit card auto-billing: […]
VPNs: What They Actually Protect You From (And What They Don’t)
The VPN industry is built on fear. Here’s an honest threat model. VPN companies spend enormous amounts on marketing that implies you’ll be hacked without […]
Remote Work Tech Stack: What You Actually Need (And What’s Overrated)
The remote work tool market is massive. Most of it is unnecessary. Companies spent billions on remote work software during and after COVID. Much of […]