Joe with a German shepherd


“Every secret of a writer’s soul, every experience of his life, every quality of his mind, is written large in his works.” — Virginia Woolf

Someone once told me the best speeches are those where the speaker leaves a little of himself in the delivery. The same must be true of writing. I am conscious of the reality I am always writing for you, whether in a business capacity as your copywriter or in a personal capacity as your storyteller. Regardless, I hope the sum total of my experiences makes for passages worthy of your attention.

In a perfect world, my material would appeal to readers of all ages. My target audience, however, is young adults. And because there is so much I wish I could have told my younger self, I have dedicated my blog to the kind of financial, career, and relationship advice I wish someone would have given me.

As for the rest of the site? I suppose it’s a reflection of my interests. More than anything though, I want it to be another means to connect with you. My future works will be enriched by the dialogue we share and what you teach me.

Yours in service,

Joe Orozco

  • Should Religion Influence Politicians?
    The other day I was arguing politics with a coworker, never a good idea under the best of circumstances but especially when you are the political minority in the room. We were discussing the presidential race of 2012 when Mitt Romney was the Republican nominee, and the point came up about whether or not a politician’s religion should influence their decisions. Me, I don’t see how it’s possible for religion not to enter their decision making process. Religion, if practiced diligently and sincerely, is supposed to become a part of a person’s core. You make sacrifices. You adhere to doctrine. …

    Should Religion Influence Politicians? Read More »

  • How to Remain Steady When the Stock Market Drops
    You are an intelligent person and therefore understand the stock market is not just for the wealthy. Yet, a part of you can’t help but hesitate when the stock market hits the occasional slump. What do you do when so-called experts scream gloom and doom? This might be keeping you from getting into the stock market, so let’s walk through some of these fears. 2015 was not a great year for the stock market. Looking back, It was one of the worst since 2008. But, when you woke up this morning, did you find yourself thinking about this? It’s unlikely, …

    How to Remain Steady When the Stock Market Drops Read More »

  • How to Cut Your Monthly Bills without Scams
    How much are you paying for your SiriusXM subscription? Cell phone? Web hosting? Cable service? Have you ever considered negotiating your way to a lower rate? I’m guessing not if you’re still reading, but hang with me for a bit. It’s not as nerve-wracking or difficult as it sounds. This is an important component to helping your monthly budget. Satellite Radio Me: I want to cancel my service. SXM: Are you sure? I can cut you a deal right now to pay only $9 a month! Me: I think you can do better than that. SXM: I’m sorry, that’s the …

    How to Cut Your Monthly Bills without Scams Read More »

  • Choosing the Budget Strategy that Makes Sense for You
    In the previous post we covered the plans that should come before setting a personal budget. You should know why you want a budget. You should know how much money you’re bringing in and be realistic about your spending habits. Now let’s turn our attention to a handful of budget strategies that could fit your personality. A Few Budget Strategy Options Line Item Budget: In this budget, you’re going to divide your expenditures into categories, which might include: housing, utilities, groceries, and transportation, etc. The idea is that you set a spending limit per category. Using a spreadsheet is a …

    Choosing the Budget Strategy that Makes Sense for You Read More »

  • How to Plan Before You Set a Personal Budget
    Choosing not to use a budget is like setting off on a trip without a plan. The more adventurous and spontaneous among you may find that exhilarating, but if you don’t set financial goals, your trip is not likely to go far. Now, I get it. Budgets have a reputation for requiring too much effort. Who wants to sit there and track every dime that comes into and goes out of your bank account? Well, some of you may find that fascinating. Thankfully, there is more than one way to make a budget fit with your personality. There are two …

    How to Plan Before You Set a Personal Budget Read More »

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