How I Think About Debt

The best way to protect your credit history is to make sure you don’t miss any deadlines. Adopting our Money SMARTS system covers this by default. Career challenges Financial stress can impact on employee performance affecting overall job security. It’s hard not to take the pressures of home life into the workplace and your performance could affect

If you give luck and risk their proper respect, you realize that when judging people’s financial success—both your own and others’—it’s never as good or as bad as it seems.

The more I studied and wrote about the financial crisis, the more I realized that you could understand it better through the lenses of psychology and history, not finance.

Second, to achieve resilience, it’s imperative to reduce or eliminate debt, avoid leverage, and beware of excessive expenses, all of which can make us dependent on the kindness of strangers.