Approved for a Loan Doesn’t Mean It’s a Good Deal
An approval is not somebody deciding the deal is good for you. It is somebody deciding the deal is good for them, at whatever rate makes that true.
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Short notes about courage, clarity, character, and taking the next honest step.

An approval is not somebody deciding the deal is good for you. It is somebody deciding the deal is good for them, at whatever rate makes that true.
The answer to “that rule does not work in my market” is not a better rule. Some people have no business on the black runs, and the mountain is not going to change.
Eighteen leases in a row, every one of them lowered. Chasing the top number is how a landlord buys himself a squatter, an eviction and a vacancy.
Borrowing money against something that is worth less every month you own it is the wrong end of the problem. Here is the loan cap I would set if it were up to me.
A one-dollar book promised a million dollars and delivered one page. The joke holds up, and it is a decent test for anybody selling you their advice.
When a business people value is purchased and slowly stripped of what made it useful, growth on paper can come at the expense of the people who made it successful.
When the whole road feels impossible to see, stop asking yourself to see it. Find the next piece of ground you can stand on.
A good life is rarely built from grand gestures. More often, it is built by noticing what is needed and quietly doing it.
Avoidance can keep the peace for an afternoon while quietly taking peace from every day that follows.