for three months now we have been operating on a full blown budget. as in, the financial kind, where if there’s not money in the virtual envelope, you don’t go and buy that thing you want or think you need. it’s uncomfortable for sure. we’re scaling back in many ways (think less happy hours, home [...]

maybe it’s just me, but it seems like we are culturally conditioned to assume our own failure before success. or to simply assume failure, period. i did something this week i never thought i would do a year ago. i took a financial test – a huge, motherload of a test called the series 7. [...]