Truth in Money Changes Everything
Keys to happier, successful personal finance in 2025. Answers hide in obscurity and confusion, and can thrive in the light of day.

This article goes out to anyone looking to get (more) intentional with their money in 2025. It ain’t one of my most creative, but it will be one of my shorter and most practical articles. It’s for those, of all income levels, who yo-yo with credit card debt, experience a lot of private financial stress, and can’t quite seem to get ahead in any lasting way.
If you’re in the camp of most of my clients who feel like they’ve tried everything, I have a question for you: Have you tried truth? Jesus says in the New Testament: “The truth will set you free.” He was talking about eternal truth and freedom, but, boy oh boy, does this phrase ever apply to every part of life, including our money lives.
Truth: “That which is in accordance with fact or reality”
It’s easy to think more money is the answer, especially when the only other option seems to be spending less. But for most people, looking—really looking—at current spending habits and your real cost of living,…