Josh Patoka

Josh is a personal finance writer and Founder of MoneyBuffalo.com. He has been featured in publications like Student Loan Hero, Well Kept Wallet and the US News and World Report.
49 Articles

Why Emergency Savings Can’t Keep Up With Credit Card Debt in 2026

Bankrate finds a widening gap between emergency savings and credit card debt…

Josh Patoka

Who Can Help You Enroll in Covered California Without Costing You Extra?

Licensed agents can help you enroll in Covered California at no extra…

Josh Patoka

Why Americans Can’t Break the Credit Card Debt Cycle in 2026

Most Americans who pay down credit card debt see it climb right…

Josh Patoka

Social Security’s 2027 COLA Is 3.6%: What It Means If You’re Still Paying Off Debt

Social Security's 2027 COLA is 3.6%, about $75 more a month. See…

Josh Patoka

Zombie Second Mortgages Are Resurfacing in 2026: What Homeowners Should Kno

A letter arrives from a company you have never heard of. It…

Josh Patoka

What Is Debt Financing? Why Oil and Gas Companies Use Debt to Fund Growth

For many businesses, taking on debt is one of several ways companies…

Josh Patoka

Vet Bill Debt Is Pushing More Pet Owners Into Credit Card Trouble in 2026

Your dog needs emergency surgery. The vet quotes you $3,500 before they…

Josh Patoka

Why Most Buy Now Pay Later Debt Still Doesn’t Show Up on Your Credit Report in 2026

You split last month's grocery run into four payments through a buy…

Josh Patoka

Rent Debt Is Climbing Fast for Middle Income Renters in 2026

The rent notice sits unopened in your inbox a little longer than…

Josh Patoka

Medical Debt Lawsuits Are Rising in 2026: What to Do If You Get Sued

A hospital bill you meant to deal with later just turned into…

Josh Patoka

College Students Are Charging Basic Needs to Credit Cards in 2026

You tap your card for groceries because payday is still four days…

Josh Patoka

The K-Shaped Economy Is Splitting American Debt in Two: What It Means for You in 2026

Your neighbor just got approved for a new credit card with a…

Josh Patoka