When you're at work, it's about being present and getting as much done as humanly possible.

Losing your job is terrifying, but being prepared makes it so much easier.

What's the point of creating a budget if it's not possible to follow through?

My ultimate goal is to create operating systems for myself that allow me to think as little as possible about the silly decisions you can make all day long - like what to eat or where we should meet - so I can focus on making real decisions. Because mental energy is a finite quantity.

Even if you feel like your debt is just never going to go away, think long and hard before declaring bankruptcy. Declaring bankruptcy means that getting a loan for anything will be next to impossible for the next 10 years.

The best advice that I can offer is that being proactive and a careful planner is key. Think about the major things that could shake up your financial life, and I'll bet there are some great ways to protect yourself.