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He started writing/bragging about it seven years ago, helping birth into existence as the site’s original “Frugal Man.” Prior to that, he spent more than 30 years covering college and professional sports, which are the fantasy worlds of finance.

His work has been published by the Associated Press, New York Times, Washington Post, Chicago Tribune, Sports Illustrated and Sporting News, among others.

A December 2016 survey said that 25% of Americans rated themselves debt free, up from 14% in 2014.

Bill “No Pay” Fay has lived a meager financial existence his entire life.Anytime you borrow money and use it to generate more income, that’s consider “good” debt.Good debt also typically adds long-term value to your property.The best financial option is, of course, to avoid debt entirely, rather than dig yourself out of a hole.If your bank account is in the green, make sure to keep it there.

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