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The whole collection. Grab a coffee. Catch up on what you missed.

Why the hell are you still using your debit card??

Why the hell are you still using your debit card??

Debit cards are financial training wheels. Here's why it's time to take them off.

Credit  •  JULY 2026
Why the f*ck are we tipping for everything now?

Why the f*ck are we tipping for everything now?

Tipflation is out of control. Here's when to tip, when to skip, and why.

Spending  •  JUNE 2026
NEVER pay a credit repair company. Here's why

NEVER pay a credit repair company. Here's why

Credit repair companies are a scam. Here's what to do instead.

Credit  •  JUNE 2026
Buy now pay later just got worse 😰

Buy now pay later just got worse 😰

BNPL is officially showing up on your credit report. Here's what that means for you.

Credit  •  JUNE 2026
NEVER put money down at a car dealership. Here's why

NEVER put money down at a car dealership. Here's why

The Responsible Adult car buying checklist.

Car buying  •  JUNE 2026
How I paid off $20,000 worth of debt with small payments

How I paid off $20,000 worth of debt with small payments

Let's talk about the concept of micro-payments.

Debt  •  MAY 2026
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Slow progress is better than no progress.

A weekly newsletter for barely-functioning grown-ups. Honest, funny, refreshingly un-optimized. Written by Mikey Caloca.

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Made with too much coffee in California.