About

What We’re Here For

We’re on a mission, and it’s a pretty cool one: We want to make the world of finance super accessible and interesting for everyone—no finance degree required. Plus, we’re also interested in entertaining you. We carefully curate subjects that appeal to the masses, such as culture, travel, relationships, and animals. We want to use our platform to inform and educate and we hope you enjoy our content.

Who’s Behind the Scenes?

We’re a team of financial analysts, lifestyle buffs, and culture enthusiasts. We bring our diverse backgrounds and skills to the table, all to help you make sense of your dollars and how they relate to real life.

Our Promise to You

We keep it real. No fluff, no jargon—just straight-up, reliable info and tips that you can actually use. We’re here to be your go-to guide, helping you navigate the financial waves while enjoying the ride.

About the Writers

Joe Wallace specializes in personal finance, military affairs, and consumer protection topics. Since 1995, his work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and collects unusual vinyl records, which gives him an excuse to write the vinyl blog Turntabling.net.

Ruby is a mom, an investor, and a travel blogger at A Journey We Love and Voyage Florida. She is currently on her path to financial independence through real estate, index funds, stocks, and cryptocurrency. She is currently based in Jacksonville, Florida after living in London, UK and Manila, Philippines.

Tamila McDonald is a U.S. Army veteran with 20 years of service, including five years as a military financial advisor. After retiring from the Army, she spent eight years as an AFCPE-certified personal financial advisor for wounded warriors and their families. Now she writes about personal finance and benefits programs for numerous financial websites.

Syndicated Authors

Based in the Pittsburgh, PA area, Brian Lesko holds full-time employment as a Warehouse Manager for an electronics firm. Brian enjoys wealth building, investing, gardening and the great outdoors. Brian holds a B.A. in Environmental Studies from the University of Pittsburgh and an MBA from Robert Morris University.

Hope is a digital marketing manager and foster/adoptive single mom to five kids. She has run her own consulting company for over 15 years and took a leap of faith returning to the corporate world in 2021 to a job and team she loves! Hope began sharing her journey with the BAD community in the Spring of 2015 and feels like she has finally mastered the balance between family first and wise financial decisions.

Lyle Solomon has extensive legal experience, in-depth knowledge, and experience in consumer finance and writing. He has been a member of the California State Bar since 2003. He graduated from the University of the Pacific’s McGeorge School of Law in Sacramento, California, in 1998 and currently works for the Oak View Law Group in California as a principal attorney.

Allen Francis was an academic advisor, librarian, and college adjunct for many years with no money, no financial literacy, and no responsibility when he had money.  To him, the phrase “personal finance” contains the power that anyone has to grow their own wealth.   Allen is an advocate of best personal financial practices, including focusing on your needs instead of your wants, asking for help when you need it, saving, and investing in your own small business.

Disclosure of Material Connection: Some of the links in the articles are “affiliate links.” This means that if you click on the link and purchase the item, we will receive an affiliate commission. Regardless, we only recommend products or services we use personally and believe will add value to our readers. We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

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