HeyJaredLife By The Cents
Life By The Cents is a newsletter for anyone ready to get smarter with their money. I share practical advice, exercises, strategies, tips, and real-world insights to help you manage your personal and business finances with confidence.
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- 12
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- Sep 21, 2026
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- Jul 26, 2026
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How Much Should We Actually Have Saved by 40? (opens the original)
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There is a particular kind of financial panic that tends to show up somewhere in your late 30s.You look around and realize you are not 25 anymore. Retirement is no longer some vague thing that belongs to another version of you. Your kids are getting older. Your mortgage is still very much alive. Your parents are aging. Your career may finally be paying you more than it did ten years ago, but somehow life is also costing more than you ever imagined.And then one night, probably while lying in bed
Are We Saving Too Much for Our Kids and Not Enough for Ourselves? (opens the original)
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Becoming a parent completely changes the way you think about money. Before kids, saving usually feels personal. You save for a trip, a car, maybe a house, maybe retirement if you are being very responsible. Then children come along and suddenly every future dollar has a tiny face attached to it. You start thinking about school, sports, braces, university, their first car, maybe helping with a wedding or a down payment, or simply making sure they do not struggle the way you did.Somewhere along th
Should We Pay Off the Mortgage Early or Invest Instead? (opens the original)
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This is one of those money questions that sounds like it should have a simple answer.You have extra money. You have a mortgage. You also know you should be investing. So which one gets the money?Do you throw every extra dollar at the house and try to become mortgage-free as quickly as possible, or do you keep making the regular payments and invest the rest for retirement?If you’ve ever searched this question online, you’ve probably noticed that people have very strong opinions about it.Some will
Waste Less, Live Better (Part 2) (opens the original)
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In part 1 we talked about something that completely changed the way I looked at my refrigerator. Food isn’t sitting there trying to expire. Most of it is simply changing.Sometimes it’s becoming sweeter. Sometimes it’s drying out a little. Sometimes it’s losing a bit of its crunch. More often than not, it’s asking to be used differently rather than thrown away.That one lesson alone has saved our family a surprising amount of money over the years.But today I want to talk about something that I thi
How Much Emergency Savings Should a Family Actually Have? (opens the original)
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There is a piece of financial advice that gets repeated so often that most of us have stopped questioning it:You should have three to six months of expenses saved for emergencies.Okay. Great.But three to six months of what?Your income? Your mortgage? Every dollar you normally spend? Just the bills? And are we really talking about the same amount for a single 25-year-old renting an apartment as we are for a family of five with a mortgage, two vehicles, three kids, a dog, braces coming up and a fu
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