Five Laws Guy

The Five Laws of Gold: The First Law

After countless recommendations I finally took the time to read the perennial personal finance classic “The Richest Man in Babylon” by George S. Clason. For those of who are unfamiliar, Clason was a veteran of both the military and the business world. The work consists of several clever parables set in ancient Babylon. In it Clason…

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Man vs. Math: Challenging the Debt Dogmatism

Check out these numbers!: The average American in 2013 has $15,279 in credit card debt, $149,456 in mortgage debt, and $32,140 in student loan debt. Now that 2013 is over let’s put this colossal debt in our crosshairs and say goodbye to the fees, the interest, and the bullshit. But first, where do we start?…

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Just the Tips: Festivus Edition

Happy Holidays, You Bastards! Instead of sending my readers away with the standard warm-hearted “Happy Holidays” message, I wanted to take this opportunity to share some quick holiday-themed HYPK! tips. Keep these in mind during the next couple weeks while you celebrate whatever weird holiday traditions you and your loved ones fancy. 1. Don’t Make…

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Curb Your Austerity: The Do’s and Don’ts

Hey you, poor kid! Remember when you discovered punk rock and decided you wanted an 18-inch mohawk? Remember when you instantly became a fitness expert after stumbling upon P90x? Well for those of you just discovering the cool and hip world of frugality (as well as those who’ve been on the scene for a while)…

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HYPK! Playlist: Vested Edition

Here’s another playlist for you to enjoy! These tracks were practically made for HYPK! before it even existed (or I was born). Start with the uplifting tale of a coal miner bonded to a life of debt with the classic “Sixteen Tons” and finish with the Fiddler on the Roof song, “If I Were A…

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Money is Just a Fancy Way to Trade Your Time

“Time is money!” The phrase was probably coined by Mr. Benjamin Franklin but until recently I had only heard it from my bosses, my girlfriend, and my mother. Well as it turns out, the equivocation doesn’t go in only one direction. Money is also time (in fact, it’s probably YOUR time). I’m going to show…

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HYPK! Playlist: First Paycheck Edition

I think I’m pretty lucky. I say this because while some people derive a tremendous amount of pleasure from collecting things like Faberge eggs or gigantic fancy hats (and if that’s your thing, cool!) I find it in something much affordable: music. The experience of music doesn’t have to cost much (yep, even if you…

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The Holiday Sausage Link: Budgets and Diets

‘Tis the Season Hey you, poor kid! It’s that time of year where we get to unashamedly stuff amazing food into our faces while spending our hard-earned stacks like there’s no January. It’s the holidays! [Disclaimer: I LOVE the holidays. Seriously, nothing gets me hotter than the new holiday scents at Bath and Body Works…

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How I Saved $241,080 With One Weird Snip

Eighteen years, eighteen years… Kids. Adorable, right? Fat stacks adorable? Two-hundred and fifty G’s adorable? Because according to CNNMoney they have an average price-tag of about $241,080. [Disclaimer: this is first and foremost a personal finance blog. Whether or not kids make you happy (research for that is all over the map) is definitely a…