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Hey, and welcome to Josh Kay Money.


I created this blog to help other young people who want to take control of their finances but might not know where to start.


Three years ago, I was there with ya.


I graduated college with $26,000 in student loans, made a bunch of mistakes right out of the gate, and was spending more money each month than I earned. My job wasn’t great at the time and I realized that if I didn’t want to work a desk job forever, I’d have to start making some changes.


I read a bunch of personal finance books and slowly began my personal finance journey.


I started my career at Fandango in Los Angeles, but a couple years later got hired at Facebook in San Francisco. That’s where I am currently and love it!


Back in LA, just out of college, I was often spending $3,500 a month. Now, even though I live in San Francisco, a more expensive city, I spend only $2,600 a month (or less). I was also able to pay off $26,000 in student loans in just over two years.


To simplify personal finance, there are basically three things you need to do.

  1. Make more money
  2. Save more money
  3. Invest the difference


If you do these three things, you will be very wealthy. It’s easier said than done, but all of these are within your sphere of control.


So, let’s get started.


Here are some articles to get you going: