A while back I wrote an article challenging readers to consider getting rid of their car if they really needed to save money (How Much Can You Save by NOT Owning a Car?). The article was admittedly extreme, at least as far as American cultural preferences go, but the point was well made nonetheless. Continue Reading
What to Do If You’ll Have to Work for the Rest of Your Life
This has become a more common concern in an age of unstable employment, high healthcare costs, under-reported inflation and short-circuited careers. If you believe that you may have to work for the rest of your life, welcome to the new, unsecure retirement world of the 21st Century. This is the last Continue Reading
Saving For Retirement Late in the Game
What if you're in your 50s, or early 60s, and have little or no retirement savings? Or what if you’re in your 20s or 30s and don’t sense that you ever will? What is your retirement plan? In Retirement Will Be a Fantasy For Most Americans we discussed how the majority of people fall into this cat Continue Reading
Retirement Will Be a Fantasy for Most Americans
One thing I don't like to do here at OutOfYourRut is write to the financially blessed. There's more money in doing that, I'm not going to lie. But there are a lot more people who don't fit into that category, and that's always been my target audience. In my everyday life I meet people of ordinary me Continue Reading
The New Face of Financial Management
With advances in technology, increased use of mobile devices, and growing demand for convenience, the face of money management is changing. In the past, managing personal and business finances revolved around brick-and-mortar banking institutions, which provided most of the services necessary to man Continue Reading
Recovering From the Devastating Cycle of Depression and Addiction
Out-of-control stress can come from many sources. It can come from financial stress (1) because you’ve just lost a job or because you can’t pay your bills. And it can come from emotional stress because your relationship or marriage is falling apart. In fact, out-of-control stress - a state where Continue Reading
One of the major themes here at OutOfYourRut is helping readers find ways to earn money. Sometimes that involves business ventures, sometimes careers, and sometimes ways to earn extra money to supplement other activities. In this post I'd like to explore the potential to earn extra money with Uber, Continue Reading
Why You Should Ignore the Unemployment Rate If You’re Unemployed
If you're unemployed, under-employed or just looking for a better employment situation, you may do well to ignore the unemployment rate. Like the official inflation rate and so many other statistics, the unemployment rates is - shall we say - highly optimized. It's more of a misleading indicator, an Continue Reading
Here’s Why You Can’t Get a Job or a Promotion
If you've been having difficulty finding work, or thriving in your current position, there are big picture factors that are playing a huge role. Though the government, economists, and even the mainstream media try to make it look like it's all your fault (not enough education, wrong skillsets, not e Continue Reading
6 Reasons to Hire a Business Advisor
As a business owner, you already know the importance of keeping your books tight and planning strategically for your business’ benefit. You can’t make a profit if you aren’t fully in control of finances, and it’s important to know where every cent goes. If you are contemplating hiring a busi Continue Reading

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