According to older people, even one of these things could have drastically changed their lives.

Photo by Helena Lopes from Pexels

I’ve spent quite a bit of time speaking and working with people in their 30s, 40s and 50s who are concerned about money. How to make more of it. How to keep more of it. A lot of those conversations focus on what they’re doing today and what they should be doing tomorrow to change their situations.

However, I know that there’s an underlying current of regret. …


After years of struggling with debt, I now understand its pitfalls and its power

Photo by Sora Shimazaki from Pexels

I don’t know about you, but receiving a new credit card used to fill me with such delight. Those card companies knew exactly what they were doing.

The look and feel of the plastic card would leave me stunned for a few seconds as I’d flip it from front to back. Ever notice how credit cards have gotten more slick-looking, with crisp logos and designs? You can even get them personalized these days. They’re meant to excite you.

Excited is exactly how I felt when, at the age of 16, I received my very first credit card. …


Guess what? I realised that I wasn’t and here’s what I’m doing about it.

Photo by Chris Benson on Unsplash

I tend to see myself as an open-minded, well-informed guy, your typical progressive, queer liberal who is sufficiently ‘woke’. So when I received Glennon Doyle’s highly-recommended book “Untamed” on my doorstep, courtesy of the Amazon contact-free courier, I surprised myself when I had a momentary but pronounced knee-jerk reaction to the inside cover.

It read “Untamed will liberate women — emotionally, spiritually, and physically”. What was this book doing in my hands?”, I asked myself. Had I completely mis-read the recommendation? …


It almost never works out well.

Photo by John Moeses Bauan on Unsplash

I sat across the dinner table from two people who I knew casually from work. “Don’t worry guys, it’s my treat”, I blurted out. The bill arrived, between the 3 of us, it was $75. Without any hesitation, I reached for my wallet, and pulled out the new Capital One credit card that I got in the mail 2 weeks before.

“Oh, OK” they responded awkwardly. We’d just finished a meal at a new restaurant nearby, situated in the Chicago suburb where we worked for the same logistics company. I’d convinced myself that I…


Image courtesy of Eric Froehling via Unsplash

Black people care about our futures. It’s why our lives matter today, so that we can fulfil our dreams tomorrow.

The whole world is waking up to the reality that racism and anti-blackness are real. Not only are they real, but they are ugly and pervasive. And we’ve seen that they can have lethal consequences. While the shock and horror of seeing a black man killed at the hands of law enforcement officers has propelled the world into righteous outrage, protests and demands for change, another reality has become very clear.

People of colour, and in most cases black people…


Here’s what to do when they’ve stopped responding to you.

Photo by Teddy Yang from Pexels

Above all, if the guy you’re dating doesn’t seem to be completely into you, or you feel the need to start “figuring him out,” please consider the glorious thought that he might just not be that into you. And then free yourself to go find the one that is. — Liz Tuccillo, “He’s Just Not That Into You”

People talk about feeling that ‘spark’ when you meet someone new, and that's what I felt. A holiday romance that was like pure magic, a meeting of minds, a soul connection. In retrospect, I blame it on the alcohol.

I returned to…


The dirty little secret of why we shame high achievers and how it threatens us all.

Photo by Salem Ochidi on Unsplash

Laura: “Where did you get the money for this?”

Steve Urkel: “From my stay-away fund. Every year, my relatives send me money in hopes that I won’t visit them.”

When I was a kid, I got called Steve Urkel at least once.

It was an easy joke to make. I was a black kid with glasses who did well in school. I didn’t have the annoying, high-pitched voice (or did I?) or the propensity to swoop into my neighbor’s house unannounced (except for our relatives, we weren’t even allowed into people’s homes).

But, I was that kid. The nerd.

I…


Here’s what we should be asking of our white counterparts at work

Photo by Antenna on Unsplash

Let’s talk about it.

The words were written in bold typeface across the invitation now sitting in my email inbox from the company’s main public affairs distribution address.

A collection of familiar black faces and a Zoom invitation. I knew what this was about.

George Floyd had just been killed and emotions were raw. Just the previous week, a colleague called me to do just what this invitation was now proposing: talk about it.

What was the “it”? Apparently, it was racism. But more importantly and specifically, it was racism in the workplace.

People wanted to talk about it. The…


Modesty is overrated and it’s keeping you from achieving what you deserve.

Photo by JJ Jordan on Unsplash

I once knew this guy, who put 100% into his job, worked late hours, and did all the networking in the world.

Then he got shafted come promotion season. It turns out that no one really knew what he was doing or what impact his work was having on the business.

You’ve got to learn to sell yourself more”, was the advice he got from a mentor. He nearly felt his head explode like that emoji.

This guy heard the corporate messaging at work and he believed it. “We’re a meritocracy!” He bought into the idea that hard work gets…


By overcoming the 4 reasons behind your fear, you develop the confidence and fortitude to tackle any new venture.

Photo by Romain V on Unsplash

I was 25 years old when I left my stable job, working as an Investment Officer (which is kinda like an analyst) for the Government of The Bahamas. I was lucky to get the job in a new department and quickly developed a reputation for being bright, ambitious, and good at building relationships. Several times, it was suggested that I had a promising future ahead, maybe even one day becoming Secretary to The Cabinet, the most senior position in the civil service.

Despite all that and with little warning, I left to help a former colleague start a consultancy firm…

Kayus Fernander

I love teaching people about money, using my mistakes as what not to do. I want to help 1,000 people get one step closer to better personal finances!

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store