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Stephen Berger CPA From Ramen to Riches

Latest Posts

The Latte Lie: Why Cutting Coffee Won’t Make You Rich (But This Will)

At some point, someone’s probably told you, “If you just stopped buying that $5 coffee every day, you’d be rich by now.” This idea, which has been popularized by...

The 10 Things Every 20-Something Should Know About Money

Practical, Fatherly Advice To Set You Up For a Lifetime of Financial Confidence Today I’m switching gears to share a smart money minute on behalf of my nieces...

How I Saved $5,000 on a $55K Salary

Let’s be real for a minute… saving money on a modest income feels like swimming upstream — especially with rent, groceries, gas, and life all competing for your...

5 Savings Mistakes Most People Make (And How to Avoid Them)

When people come to me for financial advice, they usually want to know what to do. But just as often, I find myself explaining what not to do — especially...

How to Build an Emergency Fund (Even If You’re Broke)

This post contains affiliate links, which means I may earn a commission if you make a purchase through my links, at no extra cost to you. Please read my disclosure for...

How I Helped a Friend Pay Off $32K in 18 Months (Without Winning the Lottery)

Eighteen months ago, one of my really good friends called me in tears. She had just opened a letter from a collection agency and realized—for the first time in her...

Debt Snowball vs. Avalanche: Which Is Better for Paying Off Debt?

Confused about the debt snowball vs. avalanche method? Discover the pros and cons of each strategy and find out which is best for paying off your debt fast. Introduction...

How to Improve Your Credit Score (Fast!)

Want to boost your credit score quickly? Learn practical strategies to raise your credit fast and open the door to better financial opportunities. Introduction Your...

Beginner’s Guide to Zero-Based Budgeting: Every Dollar Has a Job

Want total control over your money? Learn how to create a zero-based budget, a powerful system where every dollar has a purpose. Perfect for beginners! Introduction If...