Academic Articles

            Often, a person's first instinct when reading articles dealing with finances, creating a budget, getting out of debt, and so on, is to immediately find ways that it will not work for them.  The reader often laments that there are too many negatives in their life to be able to effectively implement the strategies listed.  (i.e. I make minimum wage, I don't have a college degree, I live in a certain area that limits my ability to find a good job, etc.).  While many arguments used against having the ability to gain financial freedom  may sound like just a bunch of excuses given by people who simply do not want to make the effort required to get out of debt, these may in fact actually be real reasons that are holding them back even though they do want to succeed financially.  The persistent problem here is that we find something that does not work, and then we assume that means there is nothing that will work.  We fe...

         The amount of articles available about how to gain financial freedom is innumerable.  Regardless of the author, the time, or the platform, they all tend to put forth the same ideas about how the reader can attain financial freedom.  The basic tenants they all propose can be summed up in a few basic ideas: have a budget, establish an emergency fund (preferably 3 months worth), live within your means, put money into a savings account weekly, invest your money (make your money work for you), have insurance, cut up all your credit cards, and so on.      Oftentimes these articles are followed up by comments detailing how that plan will never work for the average reader.  A budget, you say?  You cannot budget zero.  An emergency fund, and three months at that?  Most are still paying for things they purchased three years ago.  Living within your means is easier said than done, especially when you have...