Loose Change

Stop Trying to Spend Less Money

If you inherited fear-based money habits from past generations, every purchase can feel stressful and wrong. YNAB helps you get good with money by choosing how to spend—so spending no longer causes worry.

Dan Cayer

February 4, 2026

Money Can Be Taught. So Why Don't We Do That?

What if being “bad with money” just meant nobody ever taught you how? Dan explores how financial worry isn’t a moral failure—it’s a missing skill set you can absolutely learn.

Dan Cayer

December 29, 2025

This Is Not About Whole Life Insurance

After receiving a glossy sales package from a financial advisor, the author realizes that the discomfort wasn’t about life insurance, but about not being in touch with their money. Avoiding day-to-day financial awareness undermines your confidence and causes you to miss the small, meaningful opportunities to move forward.

Dan Cayer

January 9, 2026

The Masters of Personal Finance Will See You Now

You don’t need market gurus to manage your money—you just need to know how much you have and decide what you want it to do. Dan shows you how to navigate trade-offs and build a life that reflects your priorities.

Dan Cayer

January 4, 2026

The One Question to Ask When You’re Facing a Big Life Decision

Worried about a big life decision—and feeling stuck? You’re not alone. Dan’s story shows how getting clear on your priorities can turn financial fear into a path forward.

Dan Cayer

January 5, 2026

What’s It All For, Don Draper?

Don Draper had everything money could buy—but never asked what his money was for. Learn how answering that question can change not just your finances, but the way you live your life.

Dan Cayer

December 27, 2025

When Money is No Object, What is the Object?

After encountering a man with $270,000 speakers, you might question what drives people to spend so extravagantly. The story unpacks how the search for “the best” can sometimes replace the simpler joy of loving what we already have.

Dan Cayer

January 27, 2026

Is Your Spending a Leaky Furnace?

Your spending has the power to create the life you want—but only if it’s running efficiently. This post shows how YNAB helps turn every paycheck into fuel for what truly matters, instead of smoke and stress.

Dan Cayer

December 30, 2025

How Not to Have Your Next Gift Backfire

The best gifts make life a little easier. Give three months of YNAB and help someone you care about feel calm, confident, and stress-free with their money.

Dan Cayer

November 13, 2025

The Problem With “Just Earn More”

Tired of waiting for a worry-free financial future? Dan shares how to ditch the “just earn more” mindset. Find peace now by embracing what you have and making intentional choices—no raise required.

Dan Cayer

September 25, 2025

Leave Me Be, Ghosts of My Conscience!

What if changing your money habits felt less like punishment and more like liberation? This Loose Change remix shows how even a grumpy old Scrooge can rediscover clarity, confidence, and a surprisingly joyful way to stop worrying about money.

Dan Cayer

December 23, 2025

Remind Me Why I Have a Job...

From rent and groceries to tennis matches and future dreams, every dollar has a job. Dan’s reflection invites you to pause and ask: why do you earn—and how do you really want to spend your money?

Dan Cayer

October 7, 2025