Quicken was the only game in town for years but that’s changed. And with the system’s future uncertain, it’s time to explore some Quicken alternatives.
I read the personal finance equivalent of War and Peace. Here is my Money Master the Game Review.
Many of us have developed bad habits when it comes to money. Here are some better money habits to adopt.
A college degree is expensive. If you’re going to spend the money you want a good ROI. These are some of the highest paying college majors.
Are your children getting a little too acquisitive? You might want to introduce them to the 4 gift rule.
College isn’t for everyone but a good job is. These are good jobs without a degree.
Building wealth can be like losing weight. It’s not always easy, but it is simple. We’ll show you the keys to building wealth.
We’ve had more than a few self-made millionaires on Listen Money Matters. They did it and you can too.
For most of you who listen to and read LMM, your ultimate goal is financial freedom. But what is that and how do you achieve it? Here is a road map for financial freedom.
College has become so expensive that it’s nearly impossible to pay for it without loans. But the more loans you take out, the more debt you graduate with. We’ll show you how to make money in college.
You have savings but no time to put it to work. I understand. That’s why you need a no effort investment strategy. Set it and forget it with no worries.
Companies like Betterment and Wealth Front broke down the wall between investing and the general public through their easy to use on-line platforms. RealtyShares wants to do the same with real estate investing.
Looking to save money this weekend? I’ve created a list of 27 free things to do any weekend you want, with family and friends, or just by yourself.
LMM has been on a real estate kick lately. It can be a great source of passive income. If you are considering it, here’s what you need to know about the one percent rule when buying a rental.
Unsure how to get started investing or where Betterment fits in? This Betterment review includes all of that, a chat with their CEO and the kitchen sink.
The American Middle Class is part of American mythology, right up there with mom, baseball, and apple pie. And for good reason. The middle class built America. But what is middle class? Are you middle class?
From an early age, I was convinced owning rental property was the way to wealth, rather than investing in the markets.
Some of you may wonder what a viral song by Henry the VII from 16th Century, Early Modern England can teach us in the realm of personal finance.
February 3rd marked the one-year anniversary of being an entrepreneur. sadly, no clowns showed up to make balloon animals.
Ever wondered what financial planning process the pros use when working with clients to create a financial plan? You can actually do (most) of it at home.
That old saying that you get what you pay for isn’t always true. Sometimes there is such a thing as a free lunch. Here are 11 things you should never pay for.
If you’re a teenager, you are in a very powerful position. Starting good money habits now will put you ahead for the rest of your life. Here are 8 money tips for teenagers.
You got a raise! Congratulations. Now don’t go and blow it. We ‘ll help you to spend a raise wisely.
We talk to you all the time about investing money. But money isn’t everything. If you invest in yourself, you can earn returns that will last your lifetime.
It’s a new year and we’re going to get serious about saving money. This is your yearly money saving plan with ways to save every month.
Are you thinking of buying a home? Ideally, you will have at least a 20% down payment. Here are some ways to save for a house fast.
You’ve graduated and think the hard part is over. Navigating the post graduation job hunt is where the real work begins. Let me help.
Financial mistakes, we’ve made a few. Hopefully not this many. These are 22 mistakes people make with their finances.
Are you ready to brave the thrift store? When it comes to thrifting there is a method to my madness. Let me teach you my ways.
Bad habits can creep into our holidays. Too much food or egg nog. But some habits hurt financially. Beware of these 6 holiday habits that drain your wallet.
After lots of practice and stupid purchases, I consider myself a thrifting pro. Here are some tips on how to prepare for a successful thrift shopping trip.
Do you want to spend less, be more green or give more thoughtful gifts?Making gifts yourself is the way to go. Here are some ideas for DIY holiday gifts.
I’m obsessed with thrift stores. Walking through one is like exploring a magical treasure trove. You never know what you’re going to find thrifting.
This holiday season, don’t buy your loved ones more stuff they’ll toss in a closet. Give a gift that lasts a lifetime; share the gift of financial literacy.
It’s your special day and you deserve free stuff! Here’s the guide to get free stuff on your birthday.
Not many of us are only spending on essentials. There are ways to save $5 a day, $100 a week, and even $500 a month if you know what you’re doing.
College tuition isn’t getting any more affordable. Many people take on a mountain of debt but there are ways to pay for college without loans.
We all have dating red flags and if we spot one, bail before getting in too deep. Financial red flags in a relationship take longer to spot. Be vigilant.
If you’re looking to work from home, there are seemingly dozens of choices. But not all are above board. These are legitimate work from home jobs.
You might be suffering FOMO and not even know it, or even what it is! FOMO is fear of missing out. But you might be gaining by missing out.
Do you have a flair for words? Do you want to work in your pajamas? A freelance writing career can be very lucrative. I’ll show you how to get started.
A dollar today isn’t the same as a dollar tomorrow, that’s the time value of money. Risk and return is expecting a dollar risked to earn more than a dollar.
There is a lot of competition for jobs and for job advancement. Could a vocal fry be holding your prospects back?
Do you have money in an index fund? Do you even really know what an index is? I’ll explain what an index is so you can better understand your investments.
Quick! Can you come up with $100? Some of you have that in your couch cushions, but for those who don’t, here are 103 ways to make $100.
Remember that old phrase, “It’s not what you know but who you know.” Sadly, it’s true. And you get to know people through networking.
A no zero day is a small way to help you find discipline even when you don’t have any. It’s a simple concept that can go a long way to improving your life.
The price of a college education isn’t getting any cheaper. If you have or plan to have children, a 529 college savings plan is a great investment.
A chill is in the air and the light fades early. It’s fall! Here are x fall finance tips that will help take you to the end of the year.
You know it’s important to diversify your investments. But do you know how? We’ll explore using options on an inverse index to insulate your portfolio.
Many things in life are measured by benchmarks. Personal finance is one of them. These are financial ratios to use as benchmarks.
We all worry about money. Here are six common financial fears and how to overcome them.
It can happen, hopefully not often, but it can. I’ll tell you what to do when you can’t pay a bill so a bad situation isn’t made worse.
Today we speak to legendary Instavest investor Jay Yoon. We’ll learn his strategies and add ourselves to his growing number of groupies.
As humans, we don’t always make the most rational decisions. Sometimes other things trump rational thought. Avoid these common investor behavioral mistakes.
Do you seem to never have any money at the end of the month but can’t figure out why? Here are 17 reasons you’re broke and how to fix them.
As we approach our third anniversary at LMM, I wanted to share why Listen Money Matters, Matters. To me and hopefully to you too.
Listen Money Matters advocates passive investing. It’s not something that should take over your life. There are hidden costs when active trading.
Having kids is expensive. Raising a child costs nearly a quarter of a million dollars. A nice chunk of that is childcare costs.
Do you long to leave the 9-5 cubicle world behind? Want to post pictures of yourself in exotic locales? Need a fresh start? Become a digital nomad.
It’s easy to fall into bad habits that hurt our financial goals. Here are ten bad money habits and ways to overcome them. How many are you guilty of?
You don’t have to be a millionaire to invest. Investing is how you become a millionaire. We look at small investments on a small income.
In the wake of the Ashley Madison hack, we explore another kind of infidelity, financial infidelity, which can be just as devastating as sexual infidelity.
Medical bills can destroy your finances. I’ll tell you how they almost ruined mine after a motorcycle accident and how I’m fighting my way back.
Not all of us are making six figures. Luckily for us, we don’t have to make big money to pay off debt. How can we pay off debt on a low income?
Teaching your children good personal finance habits is one of the most important things you can do as a parent. Teach your children well.
I started Instavest because the current investing model is broken. I want recommendations from investors with skin in the game. That’s what we provide.
Have some money or a family? Then you need estate planning. I’ll give you a primer to familiarize you with what it involves.
There is a lot of misinformation surrounding personal finance. We’ll debunk the top 10 personal finance myths.
A few months ago we did a podcast on burnout and it resonated with many of you. Because it seems to be an epidemic, we wanted to delve a little further.
Nothing ruins a trip faster than being pick pocketed, scammed or having a card number stolen. Take a few simple steps to protect your money when traveling.
If you want to make some extra money, renting your home through Airbnb is a great way to do it. Here’s what you need to know.
There are so many different kinds of mortgages. Learn mortgage basics so you can decide what type is best for your situation.
There are pillars of financial priority on the path to freedom. Along the way the same concepts apply, but in different magnitudes at different times.
It’s summer so you have better things to do than worry about money. But you can’t neglect it. Here are five things in five minutes to improve your finances.
Everyone says it’s important to do what you love. But is it realistic? And would you even really want to do what you love doing for fun for a living?
Many of us have been desperate for money. Some of us have considered an instant payday loan to solve. But these are the worst solution to the problem.
If you’re concerned with identity theft you need to be aware of all the different kinds. Learn the facts and find out how to protect yourself.
We want to make money via our investments. But do you care where that money is invested? Ethical investment lets you feel good about where your money goes.
You might take a vacation this summer but have you ever taken a digital vacation? If not, you’re not as relaxed as you should be. It’s time to unplug.
Thinking of trying the Paleo way of eating? It can be expensive with grass fed this and pastured that but it doesn’t have to be. Learn to Paleo on a budget.
A recent discussion started on the Listen Money Matters Community site that got me thinking how does the 4% stand up to real estate investing.
It’s peak travel season which means there is more that can go wrong. If your travel plans are interrupted, it’s important to know your traveler’s rights.
It’s hard sticking to a budget day to day and even more so while relaxing on vacation. Don’t leave your budget behind when jetting off.
Many of us are not happy with the state of our credit. There are companies who claim they can repair bad credit. Are they real or are they a scam?
We’ve written about becoming a landlord in a previous series. Now we look at the pros and cons of single family homes versus multifamily rental property.
Wedding season is upon us and if you’re of a certain age, the invites are coming fast and furious. Celebrate with your loved ones without going broke.
The mercury is rising and so is your electric bill. But there are other ways to keep cool than just blasting your air conditioner twenty four hours a day!
Being frugal is a good thing. But frugality can be taken too far and sometimes even cost you more in the long run. Walk the fine line without crossing over.
Everyone should be investing. We will show you where to invest whether you have $100, $1000, or $10,000. The important thing is that you start investing today.
Are you an emotional spender? Letting good or bad emotions drive your spending can be disastrous. Take the emotion out of money.
Summertime and the livin is easy. Don’t get off track this summer by letting the relaxed vibe derail your financial goals.
The sharing economy is defined as owners renting out things they aren’t using, homes, cars, cameras. Can you benefit from the sharing economy?
After a long, miserable winter, summer is finally here. There is no better time of year for having fun on the cheap. Get the most out of your summer.
New York City has long been a mecca for young, aspiring people with little money and big ideas. But is it still or is New York City Dead?
Do you have true grit when it comes to your finances? Unless you have a trust fund waiting for you, you’ll need grit to get through when times get tough.
We tend to set certain bench marks by age. Personal finance is no different. What should you be doing for your personal finances by the decade?
Another reason to mind is your credit reports is the impact they can have on your job searches. In some cases you can be denied a job based on a poor score.
Some people are smarter, some are better looking, and some have more money. How do you cope when you are the poor friend in your social circle?
It’s difficult but not impossible to pay off your student loan debt before graduation. And there are three good reasons for you to do so.
There is a big divide between red states and blue. Part of the gulf is welfare spending. But which states benefit more? Spoiler alert, Fox News lies.
If you only need an expensive item once, you can rent it rather than buy it. You’ll be amazed at the number of things you can rent. Sex dolls included.
The road to real estate riches can be paved with problems. Tenants, toilets, termites, and taxes can all conspire to eat into your returns.
What happens to a place when talented young people move away? And what drives them to leave home and family in search of greener pastures?
Thinking about lending money? We’ll wade into the mine field of money lending to family and friends.
We’ve all been told that money can’t buy happiness. But is that true? It depends on your definition of happiness. It turns out some happiness can be bought.
The term job creators is tossed around a lot, especially during election season. But who really creates the jobs in America? It’s not who you might think.
Spring is a time of renewal. That goes for your fiances as well. Now is a good time to evaluate things and make any necessary changes.
Buying a home has long been considered a good investment. But do you have to live in the home? Owning a home and renting it out may be the better choice.
Now that your vote counts for so little, people are turning to economic boycotting to influence corporate and political policy. But does it work?
Your money and body and more closely related than you might think. Applying the same principles to finances and fitness will help you make gainz in both.
In my last series we discussed becoming a land lord. Now we look at ways to find the best property management company so you can be a hands off land lord.
The pink tax is one that only about half of the population is subject to. And they probably aren’t even aware of it. Are you paying the pink tax?
Having a pet can be a wonderful experience. But pets come with expenses. Before you adopt a furry family member, make sure you know what to expect.
You’ve likely heard of interventions for people with drug or alcohol problems. But what about for someone with a spending problem? Should you do it?
Being a fan can pay off. Connecting with someone you admire is a great way to build a relationship, create value, and maybe eventually land a job.
You can spend a fortune on all kinds of specialized work out gear and an expensive gym membership. But you can get a good workout for almost nothing.
In honor of International Women’s Day let’s discuss gender pay gap. 40% of US homes have a female as primary or sole earner, it’s not just women affected.
If you want to build up a portfolio of rental properties, forming a real estate team will make the process easier.
Being poor comes with special costs that higher earning people often don’t face. If you’re going to be poor in America, you better have money.
Before buying rental property you need financing. There are several places to get it. I will describe what I did and what someone getting started might do.
How can you make a business partnership with your spouse work without damaging your romantic partnership? Andrew and I are doing just that. Here’s how.
The money and math behind investing in real estate. If you want to invest in real estate you will need to be able to do some basic math.
Tipping was once reserved for places like restaurants and 15% was considered sufficient. Now everyone wants a tip and 15% is a relic. Has it gone too far?
This is the first in a four-part series explaining how to buy rental properties. No flipping here. I’m going to teach you how to generate passive income and how to be a landlord.
The average American wedding costs over $25,000. Andrew and I did it for half that. I’ll share our money saving secrets for a beautiful wedding.
You can spend big bucks impressing your special someone on Valentine’s Day or you can use my bootleg methods to save some cash while still getting some.
Moving is certainly stressful and it can be expensive. Having just done it, I’ll share some things I did to save money and minimize stress.
Last year the average American only took 77% of their vacation days, working nearly a week for free. It’s time to take back your vacation America!
Income inequality is defined as “the extent to which income is unevenly distributed among a population.” What does that mean and how has it gotten so bad?
It’s not romantic but if we looked at having a baby as a business decision, it would provide information to make better choices. The business of babies.
TTIP is the Transatlantic Trade and Investment Partnership. It is being negotiated in secret and if it passes, none of our shit will remain unfucked.
Welfare is a dirty word in America. Corporate welfare is the real dirty word though, x rated in fact. See just who gets the real welfare in America.
The serenity to set goals, the courage to follow your dreams, and the stupidity of not knowing the difference.
I want to share my family’s financial goals and plan to reach them for 2015. To drift is hell, to steer heaven. Which will you do in 2015 money wise?
A job loss is a major life stressor, not least of all due to money concerns. see how to best handle your money until you are back on the career ladder.
If I knew then what I know now. I hate that saying. There is so much regret and blame in that sentence. But I hate it most of all for the futility of it.
Every year there are a slew of tired articles about New Year’s Resolutions. This is not that. This is one simple trick to achieve New Year’s Resolutions.
With a record $4 billion dollars spent in 2014 mid-term elections and the lowest turn out in over seventy years, it’s time to get the money out of politics.
Net neutrality has been in the news a lot recently. Maybe you’re not even sure what it is but it must be preserved.
It’s no secret that even with the Affordable Care Act, it’s costly to be healthy in America. But the high cost of poor health care is even more costly.
Shopping on Black Friday has become a uniquely American institution. Find out how and when to get the best deals without being trampled to death.
Now that we’ve crossed the Halloween threshold, the Christmas season is fast upon us. Here are a few ways to save money on Christmas gifts.
It happens to us all. We start a new diet then binge on pizza. We fell off the wagon. And it can happen to our finances too.
I love autumn, all golden and shit. Sweaters, knee high leather boots, pumpkins, Halloween, Thanksgiving. The only thing I don’t like about fall is that it means winter is coming, so I just try not to think about that.
Money is a big point of contention for a lot of couples. We think of two people who are both scraping by and lack of money is a point of stress.
I’ve been an ultra-conscious debt avoiding maniac but it seems after 14 years of focus, all I had to do was take my eye off the ball once.
Too much data and information is a bad thing when it comes to investing. Stop stressing and start investing!
Millenials get a lot of bad press. But it’s the boomers who are to blame for the mess millenials find themselves in. Leave the millenials alone!
Let’s block out the noise and find what you need to tackle your finances once and for all.
When I got fired from my marketing job in the pool industry and broke up with my beautiful, but emotionally draining girlfriend, I was fucking miserable.
Lifestyle creep can show itself in many forms and start, then spiral out of control. Recognizing it is the first step to conquering it.
There is one thing that still perplexes some, and even myself, and that’s how to MAKE money. How do you make money?
Do you dream of travelling to far off destinations but don’t think you can afford it? Travel doesn’t have to be expensive. Learn to travel cheap!
Unless you’re a neck bearded basement dweller, we all want to live in a clean home. Here are some ways to keep your house clean, cheap, and healthy.
A credit score is a 3-digit number that ranges from 300-850. It’s used by financial companies to decide how likely you will pay back money they lent you.
Dating can be expensive, but dinner and a movie gets expensive and boring pretty fast. Here are 16 inexpensive date ideas that you can do with your partner.
Learn in this article how I set myself up for a productive day. The goal is to not let your day get shitty by setting yourself up for productivity.
Looking for a way to save money? The shopping trolley is one of the easiest places to cut spending. Here is our ultimate guide to save money on groceries.
What happens when you get 20 personal finance bloggers to submit webcam videos of themselves lip syncing an original rap song about blogging?
Moving into your first place is exciting and daunting. It has to be balanced with a limited budget, both in furnishing your place and living there.
An average job search lasts 18 weeks, but longer if you don’t have a resume. Here are 14 questions and templates to show you how to write a professional resume.
A 2,000 word training manual that will walk you through becoming a Shopping Sniper, allowing you to save more money & focus on what’s important.
There is much to be gained by choosing a good travel rewards credit card. Free airfare, hotel stays, upgrades & more. We’ll take a look at 3 of the best.
So, you’ve got your debt under control and you want to know what’s next? That’s great because investing is where real wealth is built.
Follow these 3 principles I’ve learned over my short lifetime, you’ll be ready to start your journey on the “get rich quick” road to wealth to happiness.
Each factoid below is followed by one or more student loan hacks that can help you get rid of that student loan debt once and for all!
After owning seven cars, I now feel like I’m an expert at how NOT to buy a car, and I want to share the lessons I’ve learned along the way.
It’s one thing to manage your money, it’s a different story when there’s another person involved. This is everything I’ve learned.
The only thing more important than investing is understanding what you invest in. With a solid understanding of investment types, it won’t be a gamble.
In this guide we explain the basics of simple investing, and aim instill the proper mindset you need to succeed.
There are 3 common themes when people suck with money. We cover all 3 and give actionable solutions so you can fix your problems.
You can lose weight and save money! This is my story about how I lost over 60 pounds in a year and saved money just by eating less and not exercising.
I’ve made a lot of money in the stock market and I attribute it to two things: willingness to take risks and the ability to hunt for great deals.
“All My Money” is a stylish personal finance rap video written and produced by Matt Giovanisci, and filmed by Andrew Fiebert.
I made over 18% returns doing what banks have done for ages – lending people money, a strategy few experts talk about.
If you want to improve your credit score, all you have to do is follow these three easy steps, let time do its thing, and you’ll succeed.
I want to share the tips and tools that have absolutely worked for me when it comes to increasing productivity throughout my work day.
Want to make extra money? Of course, we all do. This list contains real, sustainable ways to help you continue to make money and improve your lifestyle.
I suggest you read and use these killer budgeting tips from the best personal finance bloggers.
Be fearful when others are greedy. The market may correct itself soon, don’t get caught with your pants down.
Joel Larsgaard provides 7 ways to save money, and as a reward to yourself, the perfect craft beer pairing.
I’d like to share 18 personal finance lessons I’ve learned over the past 30 years of being broke and living paycheck to paycheck.
If you are currently practicing any of these 7 bad money habits, you should make it a goal to stop them. Find out what they are and how to break them here.
Credit card debt can be crippling. A loan shark is the only place to get such high interest charges. We’ll show you how to pay off credit card debt.
Every month we have been tweeting one money-saving tip per day using the hashtag #Save365. The following tweets were from December of 2013.
Fidelity has published the top financial New Year’s Resolutions of 2014. I’ve outlined them and added a few more popular choices to help your finances.
Do you want to buy a solution to your money problems? Can you flawlessly execute a desk flip? If so, you may suffer from chronic No Patience Syndrome.
Here are our 30 money saving tweets from November 2013 using the hashtag #Save365. Retweet, favorite, and send us more tweets all year!
Bank fees are the worst! Which is why I’ve decided to switch my personal banking to Simple.com. So far it’s been a blessing and I can’t wait for it to grow.
Buying things does not make you happier, so what do you continue to buy things and drown yourself in debt? Andrew attempts to answer this very question.
Here are a few money-saving tips when planning and hosting Thanksgiving. Since I’m not the wealthiest dude, I found some really great ways to save cash.
You can always earn more money and improve the way you save. As a result, your potential for wealth is infinite. Unfortunately, your time is not infinite.
I challenge you to get rid of cable for a month and stash the money you save in a high-interest online savings account or invest it!
Would you like to build better habits but need a little help staying on track? There is a great app called Lift that will help you do just that.
I thought it would be fun to come up with 365 ways to save money in 140 characters or less. I like to give myself restrictions because it breeds creativity. Try it sometime!
They will be useful, actionable, funny, genuine, and they won’t be pie-in-the-sky ideas either. I hate seeing a bunch of lame money-saving tips. Go to the park today = lame. Read a book = lame. Make crafts with your family = the lamest thing I’ve ever heard!!!
This will have to be a joint effort. I know you have some good money-saving ideas in that ol’ head of yours. Share them with us!
Don’t let your money rule you. Take control, get started, and become inspired by our Money Matters Manifesto graphic. Read it, share it, do it!
If you’re looking for a shortcut to wealth, stop looking because there is no such thing. Certainly not via a payday loan.
For many, financial independence simply means being able to do whatever you want in life without having to worry about money. It won’t happen on […]
Today we’re joined by Saleem Khatri, CEO of Instavest. A new platform to let others know why you invest so they can get in on the action too.
Yes, you’re a failure, get over it. The good news is failure is the key to success so instead of beating yourself up over it why don’t you go and celebrate?
The British have one of the best financial tools at their disposal, the ISA. We’ll go over when it makes sense to have one and how it could win you money.
Your debt is an emergency and it should be treated that way, you need a debt reduction plan to regain control. Come find debt relief and take back your life.
Inbox Zero follows the GTD philosophy as a great way to keep your inbox clean and under control. We discuss what it is and killer tools used to achieve it.
Managing money can be time consuming and boring. Don’t want to do it anymore? Automate your finances so you can spend more time doing things that matter!
Very few people wake up one day and just become wealthy. Being wealthy is a choice that you make and a way that you live your life. Work less, live more!
You’re in trouble and you can’t pay your mortgage, you need solutions. Read more for detailed strategies you can follow to fix your debt and keep your home.
There has never been a better time for you to buy a home. Getting a mortgage may be the best money decision you’ve ever make!
The goal of negotiating is to take control of opportunities and tip them in your favor.
You waste money, yes I said it! Instead of wasting your money, come learn how to find and plug your spending leaks. Money is a terrible thing to waste!
How do you build credit without a credit card? Learn how to get credit for your rent payments retroactively!
Finding success is not difficult and is absolutely within your reach. You just need to get organized already and break big goals into small manageable tasks
Why should you overpay for your vacation? I save a ton on travel and there is no reason you can’t too. It’s easy and the tools are free, come learn more!
Originally, to invest like an expert you needed advanced training and a ton of time. Now you just need to know the right tools and have 25 minutes to spare.
You want something, no, you NEED it! Well, the right way isn’t to dip into your emergency savings. Time to go over setting goals for big purchases.
If you’re not careful you can lose more than 25% of your 401k to fees. Destroy 401k fees quickly with little effort and retire a lot richer (and sooner).
Stop stressing over money. Just automate your finances so the computer can worry about the details, not you. In Budgeting for Dummies we show you how.
Here are a few tricks to help you save when you eat out so you can go out more often and feel less guilty. You could save up to 60% before you arrive!
You want to save money but you’re wasting it on things you don’t even realize like paying full price when you don’t have to. Create a smart budget!
I’m on the final steps to close my Condo and I’ve been asking myself, “should I overpay my Mortgage?” Even though rates are low, I don’t think it’s worth it
You don’t need to be a math genius to handle your money matters and build wealth. It takes a bit of common sense, the will to learn and self control.