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

Bingo Party Review: Is Bingo Party Legit?

Bingo Party is a free online game that's available for download on iOS and Android devices. It offers multiple board themes and cards, live tournaments, and various game options, which helps players avoid repetitiveness and boredom. But is Bingo Party legit and can you win real money? Find out in this Bingo Party review.

Curzio Research Review: Is it Worth the Cost?

Curzio Research publishes several investing newsletters to help you with in depth market analysis, unique stock ideas, and other tools, with the goal of helping you generate market-beating returns. But with prices that range from $99 to $5000 annually, is Curzio Research worth the cost? Find out in this full Curzio Research review.

Solitaire Cube Review: Is it Legit?

Solitaire Cube is an online game based on Klondike Solitaire. With a 5-minute time limit, you work to place your Ace for each suit and other cards in ascending order in the upper board section. But is it legit and can you win real cash? Find out in this Solitaire Cube Review.

Where to Buy Mega Million Tickets Online & in Every State

Mega Millions is one of the nation’s most popular lotteries thanks to its valuable prizes and the fact that you can buy tickets in 45 U.S. states, the District of Columbia, and the U.S. Virgin Islands. Playing the Mega Millions? Here's where to buy Mega Million tickets online & in every state before the next draw.

Bubble Cash Review: Is it Worth Playing?

Phone games let you win real money and fun while passing time. But with so many games and apps to choose from, it can be hard to know which games are worth trying. Bubble Cash pits you against the clock as you pop bubbles of a matching color. Learn how to play in this Bubble Cash review.

Best Credit Cards for Las Vegas

While getting cheap flights and travel packages to Vegas is easy, Las Vegas can still be an expensive place to visit. Thankfully, there are credit cards that seem tailor-made to help you enjoy the best that Vegas has to offer. Earn points for hotel stays, dining out, Uber credits, and more with the best credit cards for Las Vegas.

Oxford Communiqué Review 2023: Is it Worth It?

Investment newsletters give average investors access to world-class investment advice from top experts. But are they worth the cost? Some subscriptions can run into the hundreds of dollars. In this Oxford Communiqué review, we look at one of the most affordable newsletters available today, and let you know if it's worth the price, and who it's best suited for.

PeerStreet Alternatives: Top Real Estate Crowdfunding Platforms

PeerStreet, the popular real estate crowdfunding platform, filed for bankruptcy in June 2023. Thankfully, several similar platforms accept accredited and non-accredited investors, allowing you to invest in residential and commercial real estate. Here are 8 PeerStreet alternatives worth considering.

Oxford Income Letter Review 2023: Is It Worth It?

The best investment newsletters are packed with valuable insight and helpful features, such as market news, analyst recommendations, and model portfolios. But all of that advice comes at a cost. In this Oxford Income Letter review, I cover one of the most popular investment newsletters, letting you know what it offers and who it's best suited for.

Venmo Credit Card Review: Earn Up to 3% Cash Back

Venmo is a digital wallet that allows you to spend and transfer money between friends and family members from one app. But Venmo also has a cash back credit card offering rewards of up to 3%. Find out how it works in this Venmo Credit Card review.

Best Short-Term Investments: The Safest Accounts for Your Money

For many years, holding cash in your investment portfolio was a no-growth proposition. With little to no interest offered on short-term investments, it was impossible to keep up with inflation. Things are different today. You can now park your cash and expect a solid return with minimal risk. Here are the best short term investments to consider.

Truist Bank Review: How Do They Compare?

Truist Bank is one of America's largest banks, and offer a wide range of banking, investing, and borrowing products. But in an age when free banking and high interest savings have become the norm, can they compete with the best online and traditional banks? Find out in this Truist Bank review.

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