Josh Patoka

After graduating in $50k with student loans in May 2008 from Virginia Military Institute with a B.A. International Studies and Political Science with a minor in Spanish (he studied abroad in Sevilla, Spain for 3 months), Josh decided to sell his soul for seven years by working in the transportation industry to get out of debt ASAP and focus on doing something else with a better work-life balance.

He is a father of three and has been writing about (almost) everything personal finance since 2015. You can also find him at his own blog Money Buffalo where he shares his personal experience of becoming debt-free (twice) and taking a 50%+ pay cut when he changed careers.

Today, Josh relishes the flexibility of being self-employed and debt-free and encourages others to pursue their dreams. Josh enjoys spending his free time reading books and spending time with his wife and three children.

Opinions expressed here are the author’s alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

Recent Articles by Josh

Best Banks for Private Client Millionaire Perks (plus Alternatives)

Banks offer competitive perks and wealth management services for wealthy customers. Private client banking can help you get even more for your money. Unfortunately, not everyone can qualify as a private banking client - a net worth of $1MM or more is usually required. Here are some of the top private banking services available today.

Albert App Review: An All-in-One Banking and Investing App?

Many personal finance apps specialize in specific tasks like saving money, earning a high-interest rate, paying bills, and potentially earning spending rewards. Finding one platform offering both banking and investing accounts can be challenging. That's not the case with Albert. This Albert app review dives into the various features that can help improve your finances.

Tomo Credit Card Review

It can be challenging to qualify for a rewards credit card when you have bad credit. Now, you have another option with Tomo. The Tomo card doesn’t charge an annual fee or require a security deposit, and it also earns 1% back on purchases. Find out more in this full Tomo credit card review.

Zebit Review: Is Buy Now, Pay Later Worth the Cost?

Buy now, pay later services allow you to make expensive purchases with low monthly payments. Zebit offers spending limits as high as $2,500 and the ability to pay for goods for six months interest-free. In this Zebit review, I let you know what to expect before you start shopping.

Pool Payday Review: A Mobile Game for Billiards Fans

Billiards video games are fun to play for enjoyment or competition. If you’re looking for free practice rounds and legit cash tournaments, consider Pool Payday. This game offers head-on competitions to win real prizes from your phone. Here is a closer look at Pool Payday - a fun hobby you can potentially earn money from.

Bingo Clash Review: Play for Fun or to Win Money

Playing bingo apps for money can be an exciting way to make a few extra dollars while having fun. Bingo Clash lets you compete in head-on matches and multiplayer tournaments, making it one of our top choices. Find out more in this full review.

Best Sites to Find Remote Work: Full-Time and Part-Time Jobs

Remote work gives you the flexibility of working from just about anywhere in the world as long as you have a reliable internet connection. We've compiled a list of the best sites to find remote work, to help you avoid work-from-home scams and find remote jobs with competitive pay for various niches.

How to Get Free Land in the United States

Given current housing prices across much of the U.S., you might think it’s nearly impossible to find affordable housing. However, if you’re flexible with where you can live, you may want to consider homesteading on free land. This guide helps show you how to get free land in the United States and start life’s next adventure.

How to Find an Old 401(k)

It can be easy to misplace important documents, like 401(k) details from a previous employer. Yet, these funds are vital to retirement planning and calculating your net worth. Or, perhaps you’re the surviving spouse or child trying to track down an estate benefit. Here are the steps you can follow to find an old 401(k).

TipRanks Review: A One-Stop-Shop for Stock Market Analyst Ratings

Investment research websites are essential for anyone who wants to trade individual stocks. TipRanks offers a unique set of tools that can help you view professional analyst ratings and gauge investor sentiment. These research features can be a welcome addition to your preferred fundamental and technical indicators. This TipRanks review looks at the free and premium tools available.

15 Best Stock Trading Apps: Free Stock and ETF Trades, Crypto, and More

The best stock trading apps offer commission-free trading and a wide investment selection. Each one has its strengths and weaknesses, so it’s worth your time and effort to do the proper research and choose the app with features best suited to your investment and research strategy. This guide will help you do just that.

What Happens if You Don’t File Your Taxes?

It’s common knowledge that you can be audited if you lie on your tax return, but what happens when you don’t pay your taxes? Will the IRS realize one missing tax return of the 195 million returns filed each year? While it’s possible to sneak below the radar, there can be stiff financial and legal penalties.

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