Current Projects

Ask Dr. Per Cap

Ask Dr. Per Cap

As part of First Nations’ focus on helping Native Americans achieve financial empowerment, Ask Dr. Per Cap is a financial advice column on how to travel the winding road toward financial independence.

The column was originally designed for Tribal citizens who receive per capita payments. About 20% of the Native American population in the United States receives these payments, primarily from gaming revenues and dividends from natural resources leases.

In this column, Dr. Per Cap draws upon his experiences – some good, some bad – to help individuals learn skills, tricks, and strategies to take control of their financial future.

Ask Dr. Per Cap is funded by First Nations with assistance from the FINRA Investor Education Foundation. This content does not constitute professional and/or financial advice, and Dr. Per Cap is not a licensed investment advisor. Questions can be sent to Dr. Per Cap, at

Coronavirus Scam Alert
Coronavirus Relief Payments
Coronavirus Cash
Coronavirus Relief
Hot Job Market
Tax Time

Borrowing Money
It’s Your Money
Hungry Coyotes
Lender of Last Resort
Medical Bill Mix-Up
Pay Off the Card
Point-of-Sale Financing
Is FICO Fair?
Time to Refi?
Pay-in-4 Plans
More Pay-in-4
Student Loan Update

Loaning Money
Enough Already
Gold Diggers on the Prowl!

Making Money
Multi-Level Marketing
High School Athletes and NIL Deals
Ready For Gig Work?
Social Security Increase
MetaRez or Bust
I Need a Raise
What is Jeopardy?
Investment Property
Live Off Per Cap?
Magnificent Seven
Skills and Bills

Managing Money
Creating a Budget
Avoiding Payday Loans
A Good Habit
Going Overboard
Pick A Corner
Investment Newbie
Feast or Famine
Romance Scam 911
The Long and Short of It
Hard Times
Inflation Woes
Auto Pay Pros and Cons
Wills Made Easy
Investing Apps
Adult Kids Need Help
What Worked for Me
SIM Swap Scam
What’s Market Cap?
Investing Jitters
Identity-Theft Insurance
Native Yard Art
Medical Debt Relief
Margin Call Misery
Economic Catch-22
Financial Journey
File My Taxes
Discouraged Investor
20 Years Ahead
Bank Run Fears
Social Security Mix-Up
TV Life Insurance
Stressed Renter
Stop Writing Checks?
Back in Debt
Checking Account Balancing

Spending Money
A Wild Ride
Control Yourself!
Marijuana Money
With This Ring
Wait a Minute
Tiny Home Living
Is Costco Worth It?
Summer Vacation
Crypto Crazy
Baby Budgets
Used Car Prices
Inflation Woes
Casino House Edge
Almost Scammed
Costly HVAC Repair
‘Tis the Season
Credit Card Refund
Crazy Car Prices
Summer Road Warrior
Tired of Tipping
Too Much House
To EV, or Not to EV

Kleptomania 411