2010 is here along with new resolutions and hope that better times are ahead. Unfortunately, history shows we’re not too good at sticking with our new year’s resolutions. According to the Fox affiliate, Fox50.com: “By the end of the year, [ ] nearly 97 percent of New Year’s resolutions won’t be kept.” It’s also shown [...]
Use the Enthusiasm of a New Year to Automate & Guarantee Savings in 2010
by Austin on Jan, 05 2010 in Banking, Savings
Money Goals: Here’s Mine, What’re Yours?
by Austin on Oct, 30 2009 in My Money Goals
Another ALT (assistant language teacher) and I were recently talking about post-college life. He’s been out of college for a little over a year, while I have just been out for five months. I told him how I was really enjoying the freedom and doing what I wanted for the first time in my life. [...]
The Simplified Savings Approach
by Austin on Aug, 21 2009 in Banking, Savings
My financial system in America was a bit hectic. With multiple bank, savings, and investment accounts I felt like I was failing to automate my financial life. I’d learned a lot about personal finance over the past year, but I always struggled to simplify my accounts. As soon as I found out I would be [...]
Welcome to FF!
Hi, my name's Austin Morgan. I teach English in Japan and write about money for twenty-somethings. Feel free to contact me with any questions and I hope you enjoy the site!

