Credit & Debt


guy looking at water, millionaire, club, sophisticated, spender

How Are You Getting Into The Millionaire Club? (2017 Update)

Hello Sophisticated Spenders! Check out my update on this post from April 2016.  My updates will be in italics. So this weekend, I was introduced as follows: Person A: I’d like for you to meet the Sophisticated Spender and she’s gonna be the next millionaire! Person B: Oh really! What’s […]


Getting Into The Millionaire Club Is Easier Than You Think!

Hello Sophisticated Spenders! People think millionaires are mythical people.  They think there are only a few ways to become a millionaire: Inherit the money Win the Lottery Have a hit record Play professional sports What if I told you that YOU (yes YOU my sophisticated spending friend), can become a […]

sophisticated spending

Introducing the New Year New You Financial Summit

Hello Sophisticated Spenders! So I’ve been participating in a pretty cool Financial Summit. What is a Summit? It’s when a group of experts get together to teach you some pretty cool stuff.  It normally lasts 1 week and you hear from a different person each day. It’s a great way […]

fincon14, fincon

fincon, sandy smith, shop my closet, sophisticated spender

Meet Sandy Smith-The Periscope Princess!

Hello Sophisticated Spenders! I’d like to introduce you to my friend Sandy Smith. I have learned SO MUCH from her. She is fierce, does not bite her tongue and pursues her hustles with a bold fire that I hope to have some day. We met about 4 or 5 years […]


I Received A $500 Check From Wells Fargo And I’m Pissed (Part 1) 3

Hello Sophisticated Spenders! You’re supposed to trust your bank, right? Your bank is supposed to have your best interests at heart, right? Your bank isn’t supposed to cheat you out of money, RIGHT? Wells Fargo has failed me as a customer and here’s why: Back in 2011, I wanted to […]


Travel The World Without Getting Into Credit Card Debt 4

Hello Sophisticated Spenders! So I know a little something about travel. I actually got a late start. I didn’t leave the country till 6 years ago at the age of 32.  And I was immediately addicted. I’ve traveled to: Mexico (twice), Barbados (twice), Belize, Puerto Rico, Dominican Republic, Curacao, Dubai, […]

travel the world, credit card debt, free

guy looking at water, millionaire, club, sophisticated, spender

How Are You Getting Into The Millionaire Club? 3

Hello Sophisticated Spenders! So this weekend, I was introduced as follows: Person A: I’d like for you to meet the Sophisticated Spender and she’s gonna be the next millionaire! Person B: Oh really! What’s your plan? Me: Blank stare for what felt like an hour-then my brain woke up and […]