Welcome to SmartMoneyToolbox.com!

The purpose of this site is to help you improve your financial situation.  Whether you are trying to get out of debt, get on a path to financial security, plan for retirement, or just wanting to learn more about tools that you can use to improve your financial life, this is the site for you!

I have become proficient on many financial topics through personal experience, plenty of reading, and my 30+ year CPA career. I have a passion for this stuff, and I want to pass it on.  I believe in lifelong learning and continuous improvement.

My goal is to provide actionable tips that you can use to improve your financial life. I provide the tools, but it is up to you to vet out the options and then take action. Comment on the articles, contact me, and let me know how this site has added value for you.  I also welcome your feedback on how this site can be improved to help you even more.

I have provided links to resources that contain more information on a topic or a product or service that may help you out.  I’ll do my best to make sure that the items I ask you to consider here are quality resources.

Let’s press on together and take charge of our finances!

Regards,

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Latest Posts

Is Slow Service the New Normal?

Is Slow Service the New Normal?

Ever since the Covid-19 pandemic started and the economic shock that ensued, there appears to be a continuing theme when it comes to service compared to before the pandemic. It' been 18 months since the start of it and now I'm beginning to question "Is Slow Service...

“You Can’t Eat Your House”

“You Can’t Eat Your House”

With the recent run up in home prices I thought it would be appropriate to bring up the old time saying "You can't eat your house!" What is going on, anyway There are likely lots of factors driving home prices up double digit percentages from the prior year. In it's...

Atomic Habits and the benefits for your finances

Atomic Habits and the benefits for your finances

I recently finished the book Atomic Habits by James Clear so I thought it would be appropriate to apply the salient points to personal finances as there are some good gems in this book. If you have not read this book it is worth it. The first chapter is nothing like I...

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