Sublime

In this book, I’ll teach you to go on offense with your credit cards, your banks, your investments, and even your own money psychology.

I’m serious about this warning: This tip is only for people who have no credit card debt and pay their bills in full each month. It’s not for anyone else.

Forget budgeting. Instead, let’s create a Conscious Spending Plan. What if you could make sure you were saving and investing enough money each month, and then use the rest of your money guilt-free for whatever you want?

about—so we avoid planning for the very items that will make a massive impact on our finances.

Online: Marginal Revolution, Kottke.org, and Cool Tools (by Kevin Kelly, here).

One of the best ways to earn more is to start freelancing. A simple example is becoming an Uber driver, but go deeper. Think about what skills or interests you have that others could use.

Schwab Bank Investor Checking with Schwab One Brokerage Account (schwab.com/banking): This is the checking account I use. In my opinion, this is the single best checking account available. Schwab offers a stunningly good account with no fees, no minimums, no-fee overdraft protection, free bill pay, free checks, an ATM card, automatic transfers, and