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

What Is a Mutual Fund?

A mutual fund can be one of the easiest ways to invest, as it gives you exposure to hundreds or even thousands of underlying stocks and bonds, even if you only have small amounts to invest. This guide will help you understand mutual funds and how to utilize them in your investment plan.

HoneyBricks Review: Tokenized Real Estate for Accredited Investors

HoneyBricks is a new crowdfunded real estate investing platform that uses digital tokens to invest in real estate instead of paper shares. But as a brand-new platform with a unique twist on real estate investing, is HoneyBricks trustworthy? Find out more about HoneyBricks and tokenized real estate in this review.

Cheapest Car Insurance for New and First-Time Drivers

Car insurance is typically the most expensive for drivers under 25. However, just because you fall into one of these driver categories doesn't mean you should settle for high insurance rates. Our guide to the cheapest car insurance for new and first-time drivers contains everything you need to find affordable coverage.

SaveBetter Review: Is SaveBetter Legit?

SaveBetter is a new savings account platform that gathers industry-leading offers from its FDIC-insured banking partners. The savings and CD rates you get through SaveBetter are often higher than what’s available to the general public. In this SaveBetter review, I analyze their offers and let you know how good the savings rates are and if the platform is legit.

AcreTrader vs. FarmTogether: Which Farmland Investing Platform is Better?

Until a few years ago, it was difficult to invest directly in farms because of several entry barriers. These days, accredited investors can gain exposure to farming through AcreTrader and FarmTogether. This AcreTrader vs. FarmTogether comparison highlights the vital differences between each platform and helps you choose the better service for your investment goals.

Best Discount Brokers: Which Online Brokerage Is Right for You?

The best discount brokers can provide free stock trades and have robust research capabilities. Several also offer fractional investing to avoid having uninvested cash. You can use these brokerages for long-term investments and avoid the frustrations of trendy investing apps. Here is our list of the best discount brokerages, and what makes each one stand out.

How to Buy Unclaimed Amazon or USPS Packages in 2022

It may surprise you that not every item ordered through Amazon or shipped by the USPS arrives at the buyer’s doorstep. Packages are sometimes left unclaimed and retailers end up selling them at discounted rates. Here's how you can buy unclaimed Amazon or USPS packages.

Barclays Bank Review 2022: High Rates for Savings

Everyone wants a great interest rate on their savings. But along with a good return, it's important to do business with a bank that's accessible and trustworthy. In this review of Barclays US online bank, I'll cover the strengths and weaknesses, and present you with a few online banking alternatives to consider.

Best Net Worth Calculators: Net Worth Tracking Made Easy

Do you keep track of your net worth and how it changes over time? Many different apps offer features that calculate and track your net worth. Some cost money, but there are free apps you can use, too. To help you choose the right net worth calculator, I’ve compiled a list of the best ones available today.

Wells Fargo Active Cash Card Review

Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Most cards allow you to apply your earnings as a statement credit, purchase gift cards and other merchandise, and receive cash payments via a check or bank account deposit. The Wells Fargo Active CashSM Card is no different.

Best Credit Builder Loans: What You Need to Know

There are two traditional ways to build credit - make payments on a credit card, or loan. But neither of these options build credit without debt. So if you don’t feel like buying something you don’t need right now, a credit builder loan lets you receive your loan proceeds back at the end of the repayment term.

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