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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

Continue reading Smart Money Moves for Physicians: How to Increase Your Earnings

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 ...

Continue reading How to Negotiate a Higher Salary with Potential Employers

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 ...

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

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

Why Service Industry, Banking, and Government Jobs Don’t Create Wealth

By Len Penzo

The high living standard that people enjoy in America -- and the rest of the world, for that matter -- is a result of the hard-earned work performed by our forefathers; most of them spent a lifetime of blood, sweat and tears, creating the wealth that ...

Continue reading Why Service Industry, Banking, and Government Jobs Don’t Create Wealth

October 9, 2024

Is a College Degree Necessary Today?

By Tex Freitag

Is a college degree necessary? Well ... possession of a university degree is still an important factor for many employers. So the question that we should really consider is whether having a degree is the only door to a successful future. Forty-one ...

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September 25, 2024

Personal Finance for Kids: My 12-Year-Old Daughter Explains Her Strategy

By Len Penzo

My daughter, Nina, turned 25 years old last month. I know it's cliche, but I truly do remember the day she was born like it was yesterday. I'm happy to say that Nina has always been a natural saver and good at managing her money -- and when it ...

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September 9, 2024

How to Save for a New Home With Spotty Income

By Len Penzo

Some of the most important things in life are always taken for granted. After all, most of us drawing a steady salary never consider how fortunate we are to get a regular paycheck. On the other hand, those who work on commission or depend on tips for ...

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August 19, 2024

How to Stay Employed: 7 Ways to Immunize Yourself from the Layoff Bug

By Len Penzo

During tough economic times, it's only natural to wonder how to stay employed. Very few of us are immune from the specter of receiving a pink slip. In fact, I know of one married couple who both got laid off on the same day. I've seen lots of ...

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June 10, 2024

Did You Make the Right Career Choice? Here’s How to Know

By Mikey Rox

So many of us go to work, do what we're paid to do, punch out, and go home. But are we truly happy? Studies suggest most people aren't -- even though they pretend to be. On the other hand, if you exhibit a majority of the following traits while ...

Continue reading Did You Make the Right Career Choice? Here’s How to Know

March 12, 2024

7 Tips for Earning a Living with Rental Properties

By Sabado Domingo

If you've been considering making extra money renting out a property you own, you've no doubt already discovered how much stress and planning is involved with being a landlord. As you think about whether or not earning money by renting out properties ...

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February 21, 2024

How To Improve Your Workplace Efficiency

By Corazon Gritar

The new year is fully underway, and with the start of a new fiscal year often comes changes to the workplace. These goals often include how to improve workplace efficiency and productivity, but they aren't always the most successful, depending on ...

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February 6, 2024

4 Super Apps That Can Help You Earn Extra Cash

By Enero Febrero

Who doesn't want to make a little extra cash? Of course, we all do! However, with many people today juggling two to three jobs, worrying about paying off their mortgage or lines of credit, bills, dealing with their daily financial woes and worse, who ...

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January 10, 2024

How to Make the Most of Your Military Benefits

By Tex Freitag

Armed services benefits encompass a wide range of offerings, from education support to healthcare and retirement plans. However, making the most of these military benefits requires strategic planning and awareness. This guide will explore five tips ...

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December 1, 2023

7 Great Careers That Require No Experience to Start

By Anum Yoon

Are you looking for a great career that requires no experience to start? We get it. It can be more than a little discouraging to look at job postings where all you see is "five years of experience needed" or "experienced personnel only." Fear not, ...

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October 10, 2023

The Best Way to Make Ends Meet on a Limited Income

By Len Penzo

For those struggling to make ends meet, where one lives becomes more important as household income decreases. For example, when taking into account food, utilities, healthcare, housing, and general goods and services, New York City is more than twice ...

Continue reading The Best Way to Make Ends Meet on a Limited Income

October 5, 2023

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