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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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4 Smart Reasons Why College Isn’t for Everyone

By Len Penzo

Some things in life are painfully overrated. Take camping, for instance. Or iPhones. I've never understood the allure of luxury cars or the Baby Boomer generation's collective fascination with Bob Dylan either. Here's one more thing that's ...

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73 Comments May 26, 2025

Running Ads for Your Side Hustle? Read This First

By Tex Freitag

ads for your side hustle

If you’ve got a side hustle and you’re running digital ads to promote it, good on you. Paid ads for your side hustle can be a powerful way to drive traffic and grow your brand. But they can also burn through your budget fast if you’re not ...

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May 20, 2025

6 Career Killers and How to Avoid Them

By Mikey Rox

Want to get ahead at work? Here are six big career killers that many people fail to realize will minimize their professional potential in the workforce. Mistaking Volume for Effectiveness Just because you're doing a lot of work doesn't necessarily ...

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May 13, 2025

Why Strategic Career Planning Leads to Long-Term Life Flexibility

By Corazon Gritar

Strategic career planning is generally thought to lead to goal setting, promotion, and financial success. And those are all great things, but the true value of setting and following your career goals, in a structured way, is the flexibility it will ...

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May 7, 2025

Navigating the Job Market: Financial Tips for Career Transitions

By Tex Freitag

Changing careers or losing a job can feel like the rug's been pulled out from under you. Whether you're shifting fields voluntarily or unexpectedly navigating a layoff, one thing's sure: your financial strategy needs to evolve right along with your ...

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April 9, 2025

If You Were Elon Musk: What It Feels Like to Be a Billionaire

By Len Penzo

Who doesn't dream about being rich? I'm certainly not afraid to admit I occasionally wonder how it would feel to be independently wealthy. The World's Richest People The other day I was reviewing a list of the world's billionaires and I noticed ...

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April 7, 2025

6 Ways to Create a Stylish Home Office on a Budget

By Anum Yoon

Flexible scheduling and the beauty of technology in the workplace has allowed for more opportunities than ever to work from home -- either part or full-time -- rather than hanging out in the office seven days a week. That being said, just any ...

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April 1, 2025

How to Prepare for a Job Interview and Walk Away a Winner

By Mikey Rox

You did it! You finally landed that coveted job interview. The hard part is over, but now another major challenge is on the horizon: the actual interview. For those who are wondering how to prepare for a job interview, read on to learn how to go ...

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March 25, 2025

5 Online Side Hustles You Can Start with Minimal Investment

By Sabado Domingo

ads for your side hustle

These days, earning money isn't limited to a traditional 9-to-5 job. With the rise of digital platforms, more people are exploring passive income ideas that provide flexibility, financial independence, and long-term wealth. The best part? Many online ...

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March 19, 2025

10 Reasons Why You Don’t Need a College Degree to Succeed

By Mikey Rox

For your whole life you've been told that you won't get very far without a college education. Well, I'm here to break your heart: they lied. Despite your youthful indoctrination to the contrary, here are some really good reasons why you don't need ...

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March 4, 2025

What Crimes Will Disqualify You From Joining the Military?

By Sabado Domingo

disqualify you from military

As of 2024, the US military has about 1.3 million active personnel. The military enlisted nearly 225,000 new recruits in 2024, which is over 25,000 more than in 2023. Joining the military is a rewarding career path, offering individuals the ...

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February 25, 2025

How Misplaced Financial Priorities Lead to Lame Excuses

By Len Penzo

My teenage son Matthew had a bit of a tantrum last week -- okay, actually it was a full-scale meltdown -- after he found out that I wouldn't let him ride his BMX bicycle until he got the brakes repaired. It turns out his bike brakes broke (try ...

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February 24, 2025

Smart Money Moves for Physicians: How to Increase Your Earnings

By Sabado Domingo

Physicians dedicate years to rigorous education and training, yet their financial trajectory often doesn’t align with the level of effort they put into their careers. While medicine is a well-compensated profession, many doctors find themselves ...

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February 21, 2025

How to Negotiate a Higher Salary with Potential Employers

By Mikey Rox

Whether you're being considered for a new position at a new company or you're trying to climb the ladder within your current company, the name of the game is getting more pay. Yes, the work is supposed to satisfy us, but for most people it's all ...

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February 18, 2025

Social Security Number Facts: 18 Things You Didn’t Know

By Len Penzo

This weekend I was looking through the safe that holds all of my most important documents, like family birth certificates, insurance policies and the secret recipe for mom's sauce, when I ran across my Social Security card. Now I'll wager that, if ...

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February 17, 2025

Get to Know Typical Personal Injury Case Expenses

By Corazon Gritar

When you’ve suffered an injury due to someone else’s negligence, the legal process that follows can seem daunting - especially once personal injury case expenses come into play. The out-of-pocket costs of a personal injury case can vary widely, ...

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February 11, 2025

HVAC Career: Some High School Students Are Getting a Head Start

By Corazon Gritar

While most people are gearing up for the winter weather with warm clothes and jackets, one high school teacher is hoping to teach his students about the ins-and-outs of a homeowner's winter lifeline. That lifeline is better known as the Heating, ...

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February 11, 2025

The Parable of the Mexican Fisherman: A Lesson on Happiness

By Len Penzo

Today I want to share with you a very brief -- but brilliant -- story written by Mark Albion that I recently discovered. It's known as the parable of the Mexican fisherman. I hope it encourages you to reflect on your goals in life -- and the strategy ...

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December 9, 2024

What’s It Like to Be a Personal Injury Lawyer?

By Sabado Domingo

Many people have had to find a personal injury lawyer during their lifetime. But did you know that being a personal injury lawyer isn’t just about showing up in court or throwing around legal terms? These lawyers help people who’ve been hurt in ...

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December 4, 2024

A Day in the Life of a Low Performer

By Paula Pant

A few months ago I read an interesting analogy in the book Talent is Overrated, by Geoff Colvin. The average low performer runner, says the author, thinks about anything besides than the painful fact that he's running. Elite runners, by contrast, ...

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November 20, 2024

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