How to Increase Your Credit Score in 30 Days
Thirty days is not enough time to fully rebuild a damaged credit score. But it is enough time to make a meaningful improvement — if … Read more
Written by: HRM
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The ‘End of History’ Illusion: Why We Think We’ve Finished Changing
People consistently believe they’ve changed a lot in the past but will change very little in the future. This illusion leads to financial decisions that don’t account for how different our preferences, values, and circumstances will be — with real costs.
Written by: HRM
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Sequence of Returns Risk: The Retirement Timing Problem Most People Don’t Know About
Two retirees with identical average investment returns over 30 years can end up with dramatically different financial outcomes — depending purely on when the good and bad years happen. Here’s why timing matters so much in retirement.
Written by: HRM
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How to Get Out of Debt Without Extra Income
The standard advice for paying off debt involves finding extra money — a side hustle, selling things, cutting expenses aggressively. Useful advice when it is … Read more
Written by: HRM
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What Is Compound Interest and How Does It Work?
How compound interest grows $1,000 over time at 7% annual return A timeline showing how $1,000 invested at 7% annual interest grows across 10, 20, … Read more
Written by: HRM
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Why We Spend Windfalls Differently — and What That Reveals About Our Relationship With Money
Tax refunds, bonuses, and inheritances get spent differently from regular income — often faster and on things we wouldn’t otherwise buy. The psychology of windfall spending reveals important truths about how we actually value money.
Written by: HRM
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How to Actually Run the Rent vs. Buy Calculation for Your Specific Situation
The rent vs. buy decision is one of the most consequential financial choices most people make — and most people make it based on intuition rather than math. Here’s how to run the actual numbers for your market and circumstances.
Written by: HRM
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How to Start Investing With Little Money
The most common reason people do not invest is the belief that you need a substantial amount of money to get started. This was true … Read more
Written by: HRM
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Status Quo Bias: Why We Stick With What We Have Even When Something Better Is Available
We irrationally prefer the current state of affairs over alternatives, even when switching would clearly be better. Status quo bias costs people thousands of dollars a year in insurance, savings rates, investment fees, and career decisions.
Written by: HRM
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What Is a Backdoor Roth IRA and Who Should Use One?
High earners who exceed the Roth IRA income limits aren’t locked out of Roth accounts — they can use the backdoor Roth conversion. Here’s how it works, what to watch out for, and whether it makes sense for you.
Written by: HRM
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