Before starting this blog (a whole week ago), I spent most of my time and energy learning about personal finance through good, old-fashioned books. To a lesser extent, I included a steady stream of newspaper and magazine articles in my diet, but I mostly stayed away blogs.1 In order to best acquaint myself with my online neighbors, I recently began to check out the personal finance blogosphere. It started as mere curiosity, but before I knew it I found myself mad like Kurtz in Conrad’s Heart of Darkness, meekly whispering, “The horror! The horror!”
I never took a class on economics or personal finance in high school or college.1 I believe this more a reflection on the American educational system than own leaning prejudices, but I also believe that schools should teach children how to swim and teenagers how to drive stick shift. Until my mid-twenties, my formal financial education consisting of learning how to write a check in home economics in middle school; informally, it consisted of my father instilling in me with the idea that so long as one spent less than they made they’d get along just fine in life.