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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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 ...

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

April 7, 2025

Black Coffee: Winners & Losers

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I've got another busy weekend ahead of ...

Continue reading Black Coffee: Winners & Losers

April 5, 2025

How Do I Get Prequalified for a Mortgage?

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, prequalified homebuyers are far less attractive to sellers than shoppers who ...

Continue reading How Do I Get Prequalified for a Mortgage?

April 3, 2025

Money Problems? Here’s Why You Never Have As Much as You Think

By Tex Freitag

It's a common experience for millions of people to take a peek at the bank account balance, only to learn that there isn't nearly as much money available as anticipated. What happened to it? Perhaps you immediately implicate your spouse or ...

Continue reading Money Problems? Here’s Why You Never Have As Much as You Think

April 2, 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 ...

Continue reading 6 Ways to Create a Stylish Home Office on a Budget

April 1, 2025

A Life Insurance Primer for Newbies

By Neal Frankle

Life insurance is boring. Who wants to curl up at night and read the fine print of a life insurance policy? Nobody normal that's for sure. Still, if other people rely on you financially, there's no topic more important. This is true for healthy ...

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March 31, 2025

Are You Irrational About Money? This Quick Test Will Tell You!

By Len Penzo

Some things are seemingly impossible to explain. I mean, how do spiders know how to spin such beautiful webs? What ever inspired the construction of Stonehenge? And why is Taylor Swift so darn popular? One particularly perplexing question that ...

Continue reading Are You Irrational About Money? This Quick Test Will Tell You!

March 31, 2025

Black Coffee: Covering the Bases

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. Another busy week is crossed off the ...

Continue reading Black Coffee: Covering the Bases

March 29, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 63

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: More about pets We brought Heidi with us when we moved to Union from Warrenton. Great Danes aren’t known around Union, and some ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 63

March 27, 2025

A Primer on Bankruptcy Options and Potential Tax Liabilities

By Sabado Domingo

So, you are struggling financially and are curious about bankruptcy options. You've heard the rumors about those who have filed and prospered. You've also heard the tales about those who have filed and failed. Whatever the case may be, you want to ...

Continue reading A Primer on Bankruptcy Options and Potential Tax Liabilities

March 26, 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

Money Lessons for Kids: Teaching My Son About Payback Periods

By Len Penzo

The other day my 14-year-old son, Matthew, was really trying to sell me on his wish for the latest PlayStation video game console this Christmas. Never mind that he owns an XBox system that is in perfect working order, mainly because he got that as a ...

Continue reading Money Lessons for Kids: Teaching My Son About Payback Periods

March 24, 2025

Black Coffee: Changing the Rules

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had a wonderful week. ...

Continue reading Black Coffee: Changing the Rules

March 22, 2025

Scale Your NP Practice with Confidence: Mastering the Basics

By Enero Febrero

healthcare on a budget

Nurse practitioners (NP) are increasingly stepping into the entrepreneurial world, opening their own practices to meet growing healthcare demands. However, success in clinical care doesn’t automatically translate into success in business. The ...

Continue reading Scale Your NP Practice with Confidence: Mastering the Basics

March 21, 2025

5 Payment Card and E-Wallet Management Tips for First Jobbers

By Enero Febrero

e-wallet management

Landing your first job is a crucial milestone that not only jumpstarts your career, but also fulfills your financial goals. This is because having a source of income can significantly boost your cashflow. And that allows you to budget better, save, ...

Continue reading 5 Payment Card and E-Wallet Management Tips for First Jobbers

March 20, 2025

How to Get Preapproved for a Mortgage

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, preapproved homebuyers are far more attractive to sellers than shoppers who ...

Continue reading How to Get Preapproved for a Mortgage

March 20, 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 ...

Continue reading 5 Online Side Hustles You Can Start with Minimal Investment

March 19, 2025

3 Financial Building Blocks That All Parents Should Teach Their Kids

By Enero Febrero

No one is born knowing about money, and some people don't figure it out at any point during adulthood. That's understandable when you're taught about basic financial building blocks as a child. Readers of Len's blog have taken it upon themselves to ...

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March 19, 2025

How Home Crowdfunding May Let Millennials Live the American Dream

By Corazon Gritar

American millennials are making the news once again. This time, it's because the demographic as a whole can't afford to purchase homes. According to a survey by Apartment list, a staggering 80% of millennials say that they want to buy a home. Here's ...

Continue reading How Home Crowdfunding May Let Millennials Live the American Dream

March 18, 2025

Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

By Mike Glanz

Hello all! My name is Mike. I'm a big time fan of Len Penzo, and it's a privilege to share some of my thoughts on his blog. I read Len's article on why choosing debit or credit is like picking salad dressing; in that post he mentioned that he always ...

Continue reading Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

March 17, 2025

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