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How Scammers Target Veterans’ Education Benefits You’ve served your country. You’ve earned your stripes, your salute, and yes, your GI Bill benefits. It’s time to plan for civilian life. Many veterans look to higher education as the next mission. But just like what your recruiter tells you, not everything is as straightforward as it seems. Among the legitimate schools and training programs are scammers looking to cash in on your hard-earned benefits. Let’s look at…
Applying Business Finance Principles to Personal Debt Management Most of us weren’t taught how to manage money growing up. We figured it out through trial and error—mostly error. We learned by overdrafting accounts, maxing out credit cards, or juggling bills and hoping nothing bounced. For a lot of people, especially those carrying debt or coming out of a financial crisis, budgeting feels like punishment. Like one more reminder of what’s not working. But what if…
There was a time when people dreamed big, saved slow, and bought only when they had the cash in hand. Our grandparents told stories of scrimping for years to buy a car. Of walking past store windows and saying, “One day, when we’ve saved enough.” That mindset wasn’t about deprivation—it was about pride. It was about ownership that was earned, not borrowed. But something shifted. And now? We live in a country where the question…
There’s a reason they call it financial freedom and not “financial convenience.” Because this thing—this long, slow, grit-in-your-teeth climb out of debt—isn’t just about your wallet. It’s about something far bigger. It’s about freedom. And freedom, as anyone who’s ever fought for it knows, doesn’t come easy. It sure as hell doesn’t come from a cashback rewards program. It comes from saying “no” when the system expects you to say “yes.” It comes from paying…
FOR IMMEDIATE RELEASE Austin, TX — June 4, 2025 Dealing With Debt (DWD), a nonprofit social platform dedicated to reducing financial stress and building consumer confidence, today announced a new partnership with American Consumer Credit Counseling (ACCC), a national nonprofit leader in credit counseling and debt management services. Together, the organizations aim to deepen support for individuals actively working to regain control of their finances—particularly those emerging from or currently navigating personal debt…
In the U.S. today, more than 43 million people have attended college without completing a degree or credential. It’s a quiet crisis with loud consequences—one that disproportionately affects Black, Hispanic, and Native American men. The numbers are sobering. According to the National Student Clearinghouse’s latest Some College, No Credential (SCNC) report, men make up over half of the SCNC population, even though they represent less than 43% of current undergraduates. When we narrow the lens…
If you made it through high school, you probably learned how to factor a polynomial, label a mitochondrion, or regurgitate the causes of the War of 1812. But you probably weren’t taught: How compound interest actually works What a credit score really is How banks make money from your debt Why inflation punishes savers Or how to build wealth from zero That’s not an accident. That’s design. The Education System Was Built for a Different…
There’s a certain kind of survival mode that only some people understand. The kind where you count change before buying milk. Where you skip meals so your kids can eat. Where you try not to open your email because you know the bills are sitting there, unpaid. For those of us who’ve been there—or are there now—talking about “earning extra income” or “launching a side hustle” doesn’t feel trendy. It feels necessary. But here’s what…
It’s not your imagination. The game is rigged. But don’t take that as defeat. Take it as clarity. Because once you see the traps for what they are, you can stop falling into them—and start walking around them like a seasoned pro. So let’s expose four of the biggest financial traps that keep people running in circles, wondering why they can’t get ahead… even when they’re doing everything “right.” Trap #1: The Minimum Payment Mirage…
Part 3: Lifestyle Creep — The Slow Drift That Becomes the Avalanche You had a few splurges. Then came the crisis—car repairs, a medical bill, a stretch of unemployment. You figured you’d bounce back. But now, the bounce isn’t happening. And without fully realizing it, your lifestyle—the routines, the spending patterns, the monthly “norms”—has quietly expanded. At the same time, the world around you has shifted. And holding steady now costs more than it used…
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