How I Buried Myself $30,000 in Debt and Dug My Way Out

How I Buried Myself $30,000 in Debt and Dug My Way Out

I originally released my book “Debt Free or Die Trying” in 2016. The revised book is better organized (thanks to my editor), contains 40-pages of new material, three completely new chapters, and my 4-step road map to improve your credit score while...
Let’s have some real talk.

Let’s have some real talk.

P&B Family, I can’t open this by saying “hope all is well” while knowing it isn’t for so many of us. Being real, neither Marcus or I are in good spirits right now. There are no interesting reads or random tidbits for this week. We...
The Best 50/30/20 Budget Calculators

The Best 50/30/20 Budget Calculators

It’s difficult deciding, “which is the best budget type?” Because the answer is: there is no right answer. The best budget is the budget that works for you. We looked into the best budget calculators (for free online) for you. As I shared with Nerd...
Key Person of Influence: How to Implement the 5P System

Key Person of Influence: How to Implement the 5P System

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! After completing that personal goal, I started reading more ‘good...
The Best Money Books

The Best Money Books

In 2016, I released my own money book, Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. To improve the Second Edition: D.E.B.T. Free or Die Trying, I read the 15 best money books. When it comes to financial literacy,...
The Best African American Financial Advice Books

The Best African American Financial Advice Books

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Here are eight African American financial advice books written by men and women dedicated to expanding financial literacy in the black community. Our voices should be...
The Perfect Portfolio ft. Kevin Matthews, Financial Expert

The Perfect Portfolio ft. Kevin Matthews, Financial Expert

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Kevin L. Matthews II was named one of the Top 100 Most Influential Financial Advisors by Investopedia. He is a Certified Financial Planner, bestselling author, and former...
Investing Made Easy with “Trade Your 9 to 5”

Investing Made Easy with “Trade Your 9 to 5”

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Tela Holcomb joined Rich Jones and The Marcus Garrett on Episode 88 to talk Investing Made Easy. Tela is a mom, wife, and stock and options trader who focused on spending more...
Maybe You Should Talk to Someone

Maybe You Should Talk to Someone

You are not lost. We are a personal finance business. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to. However, money is as much the mastery of mind over money as it is money over math. Therefore, as hosts,...
The Behavioral Investor by Dr. Daniel Crosby

The Behavioral Investor by Dr. Daniel Crosby

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! Typically, my reviews are first-person narrative. I am an artist...
Hey Berna: Your Financial Hype Woman

Hey Berna: Your Financial Hype Woman

Berna Anat, or @HeyBerna to her over 20,000 followers, describes herself as, “The financial world desperately needs a hype woman, and I have more than enough energy, hair, and #debtfree-vibes to do the job.” We originally met at FinCon: Where Money and...
From $5.15 an Hour to $515 an Hour

From $5.15 an Hour to $515 an Hour

“The key to overnight success is the first 10 years.” I’m not sure where this quote originates from. I first heard it repeated from a friend of a friend that I met while speaking at Chase Bank in New York City for National Savings Month. The quote...
5 Money Moves to Make Outside of Your Pension Plan

5 Money Moves to Make Outside of Your Pension Plan

I had an opportunity to speak at The Association of Government Accountants (AGA). The topic, as you may have guessed, covered Money Moves Outside of Your Pension Plan. I tried to cram 10-years worth of mistakes and lessons learned into a 45-minute discussion.  The...
The Intelligent Investor

The Intelligent Investor

“This book will not tell you how to beat the market. No truthful book can.“ We read the 15 best Personal Finance books (according to the experts) so you don’t have to! The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham...
Rich 50 is Middle Class 38

Rich 50 is Middle Class 38

While merely a two-second quip on 30 Rock, this quote has haunted my subconscious for years. This poetic (or offensive?) musing was made by Jack Donaghy. If you are unfamiliar with the name, Mr. Donaghy is a fictional character and protagonist of Liz Lemon (also a...
14 Personal Finance Newsletters that Will Save You Time and Money

14 Personal Finance Newsletters that Will Save You Time and Money

Email Newsletters are a great way to maximize your time and money! One of our most popular posts was Subscribe to These Top 10 Personal Finance NewsLetters to Get Your Paychecks Up and Balances Down. Unfortunately, some of the original creators have moved on to other...
10 Best Money, Work, and Investment Blogs – 2019

10 Best Money, Work, and Investment Blogs – 2019

Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year for the blog, including winning the Plutus Award for Best Millennial or Gen Z Blog! We also received several additional media features, like CBS...
10 Best Money, Work, and Investment Podcasts – 2019

10 Best Money, Work, and Investment Podcasts – 2019

Ready to Turn Your Finances Around? Join our Newsletter! Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year, including nominations for Podcast of the Year. Thanks again to our awesome guests for...
How to Create a Financial Independence Plan, A Step-By-Step Guide

How to Create a Financial Independence Plan, A Step-By-Step Guide

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. There is a growing interest in financial independence. But, where do you start? How do you define your retirement number? And, how do you actually reach your financial goals...
35 Voices in Personal Finance You Should Follow

35 Voices in Personal Finance You Should Follow

Paychecks & Balances was invited to a double-secret VIP probation event for influencers. Like all events that happen during the digital age, if it didn’t happen on the Gram did it really happen? Therefore, The Event (coincidentally?) showed up all over social...
What Happens to Your Debt After Death?

What Happens to Your Debt After Death?

Seventy three percent of student loan borrowers don’t know what happens to their debt if they die. In the best of times talking about debt and personal finances is hard even with your own parents (How to Talk About Money and Debt with Your Parents When The...
10 Excuses Why Financial Independence Does Not Work

10 Excuses Why Financial Independence Does Not Work

It is time for another financial confession this National Financial Planning Month. I confess that Financial Independence (FI) is not for everyone. Actually, if they ever start, most people will fail. The personal finance community likes to preach that FI is for...
Should I Buy My First Home if I Have A Bad Credit Score?

Should I Buy My First Home if I Have A Bad Credit Score?

The following #AskPB listener question has been lightly edited to maintain anonymity. I’m trying to buy a house so I called a lender to just pull my credit and tell me what they think. One credit report is significantly lower than the other two. My score...
The Best Millennial or Gen Z Blog (on the Planet)

The Best Millennial or Gen Z Blog (on the Planet)

This title might be a slight exaggeration. Thank you to the great fans of Paychecks & Balances and the illustrious P&B Family. We were nominated for the 10th Annual Plutus Awards’ Best Millennial or Generation Z Blog and Podcast of the Year. We took home the...
The Personal Finance Expert You Are Looking for Does Not Exist

The Personal Finance Expert You Are Looking for Does Not Exist

Next week we’re up for two Plutus Awards for Podcast of the Year and Best Millennial or Gen Z Blog. Because whether we win or lose our readership may potentially rise, I figured this is the optimum time to level-set expectations for our new visitors. Please enjoy… I...
Recession Proof Your Finances in Three Steps

Recession Proof Your Finances in Three Steps

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. OMG, WE’RE HEADING FOR A RECESSION (allegedly)! I’M NOT YELLING, YOU’RE YELLING!! I was in the middle of drafting another weekly post completely unrelated to this topic when I...
Is the FIRE Movement a Cure for Millennial Burnout?

Is the FIRE Movement a Cure for Millennial Burnout?

Burnout is a hot topic right now. No Pun. You may have read the viral piece from BuzzFeed that set the internet ablaze, Millennials Became the Burnout Generation. Related: BuzzFeed: This Is What Black Burnout Feels LikeMashable: Our best bet against burnout is...
This Couple Paid Off $78,000 in Less than Three Years

This Couple Paid Off $78,000 in Less than Three Years

Fo Alexander is the Personal Finance Coach and Business Systems Strategist behind the Girl Talk with Fo podcast and blog. She specializes in teaching millennial women how to dump debt and build bank. As part of her journey, she and her husband paid off $78,000 in debt...
Personal Finance Spotlight: The Godmother of Financial Coaching

Personal Finance Spotlight: The Godmother of Financial Coaching

Saundra Davis, MS, APFC® Saundra Davis is the self-described Godmother of Financial Coaching, and I believe it. When we met for the second time–at FinCon Expo: Where Money and Media Meet–Saundra dropped a quote on me so powerfully insightful that I had to...
Self-Made Millionaire Blogger Credits Three Key Steps

Self-Made Millionaire Blogger Credits Three Key Steps

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Pictured: Michelle Schroeder-Gardner Related: I Made My First Million, and I’m Still Broke We’re all busy people. Maybe you’re one of those people who came here to make money,...
I Made My First Million, and I’m Still Broke

I Made My First Million, and I’m Still Broke

According to the most recent Census data, the average person earns nearly $2.7 million over his or her lifetime. Yet, after 40+ years of work most Americans are still financially unprepared for retirement. Unless it’s by choice, I don’t want to work until...
How to Negotiate Salary: The 7 Best Tools

How to Negotiate Salary: The 7 Best Tools

For all the get rich quick schemes and talk of Finance Independence / Retire Early (FIRE), most individuals will make the most consistent income from simply working their same old boring J-O-B. It is your responsibility to know how much salary you should ask for and...
The Student Loan Doctor Has Helped Thousands Save Millions

The Student Loan Doctor Has Helped Thousands Save Millions

We met Sonia Lewis, aka The Student Loan Doctor, in sunny Florida while attending FinCon18. For someone with 38,000 followers (and counting) on the Gram and a resume including accolades from the Steve Harvey Morning Show, The Shade Room, BET, The Ricky Smiley Show and...
Make a Successful Career Change with These Five Steps

Make a Successful Career Change with These Five Steps

The next industry Millennials “destroy” is ourselves and the burnout will be televised. According to an annual Deloitte Survey, almost half of Millennials are unhappy at their current job and plan to quit/switch to nontraditional work within their career....
Turn Your Paychecks Into Long-Term Wealth with These 4 Changes

Turn Your Paychecks Into Long-Term Wealth with These 4 Changes

I joined Pure Financial’s Your Money, Your Wealth with Alan Clopine, CPA, AIF and Andi Last, Media Manager, to discuss 4 Simple Ways to Keep Your New Year’s Resolutions using strategies that helped me break down my financial goals into manageable pieces as I achieved...
Our Top 10 Money and Investment Podcasts and Posts – 2018

Our Top 10 Money and Investment Podcasts and Posts – 2018

Our goal at Paychecks and Balances is to help Millennials make money, save money, and get out of debt. We had another great year including several interviews with informative guests and subject matter experts in personal finance, investing, and money management and...
The Best African American Financial Literacy Podcasts and Blogs

The Best African American Financial Literacy Podcasts and Blogs

This page may contain affiliate links. Please read our Advertiser Disclosure for more info. At Paychecks & Balances, we help Millennials make money, save money, get out of debt, and build wealth. These are some of the best money voices from our network. Personal...
Following These 7 Tips Increased My Salary Over 400%

Following These 7 Tips Increased My Salary Over 400%

In my behind-the-scenes interview with YahooFinance: 4 Tips to Increase Your Salary – thank you to the CBS News Pannel and former guest Jeanie Anh (PB81: Don’t Leave Money on the Table ft. Jeanie Ahn) – I was asked to share seven tips that helped...
CBSN: Eye on Money ft. Paychecks and Balances (Video)

CBSN: Eye on Money ft. Paychecks and Balances (Video)

Marcus joins CBS News host Tanya Rivero to discuss his book, Debt Free or Die Trying, and how to rebuild your credit for CBSN ‘Eye on Money’ series. Check out the video below or click here. References Mentioned by Marcus on This Show 4-Step Plan for...
CBSN: Making Your Money Matter ft. Paychecks and Balances (Video)

CBSN: Making Your Money Matter ft. Paychecks and Balances (Video)

We were invited by CBS News on their 24-7 streaming video news channel CBSN at cbsnews.com/live to join a panel of experts discussing student loans, credit cards, debt management, retirement and more. Hosted by Vladimir Duthiers (@vladduthierscbs), the panel included...
The First Time I Fell In Love with Debt: Part 2 (Video)

The First Time I Fell In Love with Debt: Part 2 (Video)

On August 14, 2016, I released Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. The book tells the good, the bad, the ups and the downs, the mistakes I and others made, and the lessons I and we learned....
Should I Buy My First Home or Save More Money?

Should I Buy My First Home or Save More Money?

The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
Should I buy my leased vehicle when the term ends?

Should I buy my leased vehicle when the term ends?

The following question has been edited into a Q&A format. Some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B button!...
I’m Struggling to Pay Bills and Fix My Credit Score of 460

I’m Struggling to Pay Bills and Fix My Credit Score of 460

The following question has been edited into a Q&A format and some details may have been changed to keep our listener’s information anonymous. Share your support or feedback in the comments. If you have your own question, use the ASK P&B button! This...
Do Credit Repair Companies Actually Work?

Do Credit Repair Companies Actually Work?

The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button! Hey...
When is it better to buy or lease my car?

When is it better to buy or lease my car?

The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
Should I Take a Job Opportunity Where Nobody Knows My Name?

Should I Take a Job Opportunity Where Nobody Knows My Name?

The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
I Have a Budget But How Do I Stop Impulse Shopping?

I Have a Budget But How Do I Stop Impulse Shopping?

The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
How a LinkedIn Message Led to a Job Offer

How a LinkedIn Message Led to a Job Offer

I recently read a piece on Time Money titled “Here’s the Cold LinkedIn Message That Prompted a CEO to Give the Sender a Job.” It’s about a guy who essentially got an offer through a LinkedIn message. At least it reads that way. I’m sure...
How Can I Start Living a Healthier Financial Life?

How Can I Start Living a Healthier Financial Life?

The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK...
Should I Save for Retirement or Pay Off My Credit Cards First?

Should I Save for Retirement or Pay Off My Credit Cards First?

We received a great listener question we thought many of our listeners and readers could relate to: should I use my retirement savings to pay off my credit cards? The following question has been edited into a Q&A format and some details have been changed to keep...
I Can’t Get Down With Ditching Digit

I Can’t Get Down With Ditching Digit

Digit announced that it’d be implementing a $2.99 monthly fee for current and new users after 100 days…and the financial internet went nucking futs. In case you’re unfamiliar with Digit, it’s a formerly free service that hooks to your bank account, analyzes your...
3 Tricks to Make Budgeting Suck Less

3 Tricks to Make Budgeting Suck Less

It’s been a while since I said this so I’ll repeat myself: Sticking to a budget sucks. There, I said it. I have a budget. I even spent a lot of time developing my budget like the helicopter parent of a small child, or “fur baby” if you’re a...
Why You Should Look Into Your Company’s FSA

Why You Should Look Into Your Company’s FSA

Did you know you could be losing money every paycheck by not taking advantage of a healthcare benefit? That’s what happens when many of us choose not to opt into our company’s FSA — more affectionately known in the streets as a Flexible Spending...