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Dahon Folding Bike – Vybe

Yes I know, a Dahon folding bike is super sexy and super cool to ride on. But that’s not why I chose this uber masculine form of transportation… and I didn’t do it for the ladies! Ok fine, it’s really not that cool and there is a bit of a stigma attached to folding bikes especially in a […]

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How Student Loans Work

Basic Concept Behind Student Loans And Payment Calculation   Here is a quick overview of student loans. I’m not going to go over all the different loans out there, the variable rates, private vs federal loans etc. I suppose this is an article about how MY student loans are structured. Here is a screenshot from […]

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Riches to Rags On Physician’s Salary

Sometime around 5/2013 I realized that I couldn’t maintain my level of spending. I was in the process of buying a penthouse condo after having sold my first condo just the month before. This unit was $500k with an HOA over $500/mo. I still had a lot of debt in forms of credit cards and […]

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Going Car-Free in USA

I’m not new to car-free living. Back when I lived in Göttinge, Germany our family didn’t have a car for nearly 5 years. Public transport and walking was more than adequate. I had a bicycle but that was more of a luxury.  I have been living in the USA without a car now since 2014 […]