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I’m generally a pretty laid-back guy but, like anyone, I do have pet peeves. Because I write about money, I have lots of trivial personal-finance pet peeves. (It’s “saving rate“, not “savings rate”. Dave Ramsey did not invent the debt snowball, and his version is but one kind of debt snowball. It’s not the only debt snowball. See? I told you these pet peeves were trivial!)

It’s silly that I’m bugged by this stuff, but I am. I’m sure you have pet peeves too, especially when it comes to your work.

One of my top pet peeves in the world of personal finance is when people who should know better conflate income and wealth. A high income can lead to great wealth — although it doesn’t always — but they’re not the same thing.

I see this error frequently — even in high-profile articles at major media outlets.

This morning, for the first time in more than eight years, I weighed in at 200 pounds.

I am not proud of this fact but it’s the truth. I own it. I got to this point through my own actions, not because some cruel tormenter force-fed me cheeseburgers and beer.

When I’m overweight, I tend to internalize the problem, which generally leads to a vicious cycle of overeating, shame, and self-loathing. While I’m older now and more aware of my mental processes, I still struggle with self-defeating thought and behavior. (This is exacerbated, of course, by my recent battle with depression. In fact, I suspect the depression has a hand in my life-long weight issues. The onset of both seem to be correlated.)

I’ll admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved.

Perhaps this is technically true, but now and then — as this morning — I’m reminded that teaching people about money is a never-ending process. There aren’t a lot of new topics to write about, that’s true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, there’s a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes it’s not.)

Yesterday at the Financial Careers forum on Reddit, a user named /u/unfoldcareers posted some useful advice for job-seekers. “I’ve reviewed and screened thousands of resumes,” /u/unfoldcareers writes, “and I’m sharing my preferred resume format…along with my best resume advice.”

The poster notes that “bad resume format” leads most folks to get little or nor response to their job applications. To help current job hunters, /u/unfoldcareers created a free resume template that can be downloaded via Google Docs.