Josh Patoka

After graduating in $50k with student loans in May 2008 from Virginia Military Institute with a B.A. International Studies and Political Science with a minor in Spanish (he studied abroad in Sevilla, Spain for 3 months), Josh decided to sell his soul for seven years by working in the transportation industry to get out of debt ASAP and focus on doing something else with a better work-life balance.

He is a father of three and has been writing about (almost) everything personal finance since 2015. You can also find him at his own blog Money Buffalo where he shares his personal experience of becoming debt-free (twice) and taking a 50%+ pay cut when he changed careers.

Today, Josh relishes the flexibility of being self-employed and debt-free and encourages others to pursue their dreams. Josh enjoys spending his free time reading books and spending time with his wife and three children.

Opinions expressed here are the author’s alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

Recent Articles by Josh

H&R Block Review 2025: From Online to In-Person Filing

H&R Block has been doing taxes since 1955 and has 60,000 tax pros with an average of 10 years of experience. With their many service levels from complete DIY to online assist to fully in-person with a tax pro, you can be sure you are getting exactly what you need without overpaying.

TaxAct Review 2025: Quality Service, Average Pricing

While TaxAct doesn't have all the bells and whistles of other tax software out there it is generally cheaper to file with them. If you don't need extras, such as one on one support or audit assistance you may want to consider TaxAct. They offer a free version for simple returns and several other levels of service depending on how complicated your taxes are.

TaxSlayer Review 2025: Features, Prices, Pros and Cons

TaxSlayer offers low cost, online tax prep. Their free version isn't as comprehensive as other platforms, for example it doesn't support dependents. However, their paid plans are less expensive than their competitors.

Barclays Bank Review: High Rates for Savings

Everyone wants a great interest rate on their savings. But along with a good return, it's important to do business with a bank that's accessible and trustworthy. In this review of Barclays US online bank, I'll cover the strengths and weaknesses, and present you with a few online banking alternatives to consider.

The Best Tax Software for 2025

Which tax software to choose depends on your specific situation. If you have a simple return in only one state you can likely get your taxes done for free with TurboTax or Cash App Taxes. But if things are more complicated or you want live help from a tax expert then you'll want an upgraded package as you can find with H&R Block.

Lunch Money Review: Track Your Budget and Your Net Worth

Lunch Money is an easy-to-use budgeting app that allows you to connect your accounts, make a customizable budget, and track your expenses. You can also track your net worth. But it doesn't offer a mobile app for budgeting on the go, which will turn off some potential users. Is Lunch money worth it? Find out in our full review.

18 Best Games That Pay Real Money (February 2025)

Mobile games are a fun activity in your free time. Unlike the very first phone games such as Snake or Tetris that were for entertainment only, many game apps pay real money today. From arcade games to trivia, you can have fun and make money in your spare time.

Rocket Money Review: Is Rocket Money Safe?

Rocket Money is a budgeting app that helps you track your spending, automate your savings, cancel unwanted subscriptions and plan for future purchases. But is Rocket Money safe to use, and how does it stack up to the competition? Find out in this Rocket Money Review.

Finviz Review 2025: Is this Stock Screener App Worth it?

Finviz is a popular investment research website that supports fundamental and technical analysis. It offers two free plans and a premium tier which is ideal for active traders who want access to in-depth research tools. But is Finviz right for you, and how does it compare to other stock screening apps? Find out in our Finviz review.

6 Best Stock Trackers for 2025

If you manage a large investment portfolio,it can be difficult to keep track of your account. That's where a good stock tracker can help. But how do you know which one is right for your portfolio? This article covers 10 of the best stock trackers, including pricing and ratings and what to consider when choosing a stock tracker.

Acorns Early Review: A Feature-Rich Kids Debit Card for Smaller Families

Acorns Early offers family-friendly debit cards for kids and teens that can help them learn how to manage their money and also participate in a digital economy that’s going cashless. This GoHenry Card review takes a closer look at how your child can use this card to learn how to manage money and pay the bills.

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