Blogger Profile

James Spencer

Blog Info

The Broke Architect
General Finance
Start Year:

Blogger Bio

Net worth:
Alexandria, Virginia, United States
African American
Life stage:
SINK (Single Income, No Kids)
Fave $ Books:
Oops! We don't have this blogger's faves, yet. If this is your blog, fill out our poll here!

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

As the Broke Architect people assume that Mrs. Broke Architect and I spend most of our time pinching pennies, clipping coupons and sewing and repairing our old clothes and shoes. But, truth be told we live a pretty normal to amazing life. This is what I like to call living fabulously frugal. We own a home in a ... Read more ...
Posted: Oct 15 2017 @ 7:10 PM
How many times have you heard someone say money can’t buy you happiness? That statement is usually followed up with “you can’t take it with you.” These types of statements are often used when referring to someone being “cheap.” I typically hear these comments from people who do not have money. But somehow, they always seem to have ... Read more ...
Posted: Oct 01 2017 @ 8:29 PM
Many people I know are always dreaming of having a six-figure salary and/or having a million dollars in savings. Both of these are awesome goals but are not necessarily tied together. One can have a million dollars in savings without making six-figures and of course one can have a six-figure salary without have a single dollar in saving ... Read more ...
Posted: Sep 17 2017 @ 10:49 PM
Seeing that Mrs. Broke Architect and I do not have children, I believe that it would not be right to tell people how to handle their back to school shopping issues. We did not have to look into the sad eyes of a child this upcoming school year and inform them we only have a limited amount of ... Read more ...
Posted: Sep 04 2017 @ 6:24 PM
The foundational rule of most financial programs is to live on less than you make. This can be expressed many different ways: live within your means, spend less than you earn, or stop living paycheck to paycheck. In this post I want to take issue with one of the above statements. Stop living paycheck to paycheck. I have ... Read more ...
Posted: Aug 20 2017 @ 5:32 PM
It seems that we have entered a new era of being woke. Woke to the society’s social ills, woke to political injustices, woke to unfair policing. But what is missing from these discussions is the need for true financial literacy. Now there are large numbers of woke people in Americans who are taking to the streets to protest ... Read more ...
Posted: Aug 06 2017 @ 5:39 PM
“The Story of OJ” is the latest controversial track dropped by Jay-Z. In this song, Jay-Z discusses various social issues from black on black violence, social and financial injustices, insecurity and legacy. I must admit, I had to listen to the song as well as watch the video several times to ensure that I got the lessons embedded ... Read more ...
Posted: Jul 23 2017 @ 7:57 PM
Life insurance is one of the topics that no one likes to think about. But, there are two major events in life that gets people to reconsider buying life insurance: getting married and having children. Seeing that Mrs. Architect and I do not have children yet, what caused us to reevaluate our life insurance coverage needs was when ... Read more ...
Posted: Jul 09 2017 @ 6:00 PM
Before Mrs. Broke Architect and I became focused on becoming financial independence, we only judged our financial success by reviewing our net worth statement. This information was provided to us by our financial advisor to review and discussion during our annual with him. To begin to understand the information he was providing, we asked lots of questions and ... Read more ...
Posted: Jun 25 2017 @ 8:51 PM
Our wealth building plan is set on a very simple document known as a budget. When done correctly and adhered to, our budget allowed us to gain control of our money. So, have you ever tried to do a budget? What about it really frustrates you? If you are not a detail-oriented math nerd, doing a budget can ... Read more ...
Posted: Jun 11 2017 @ 6:00 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.