HRM Getting a partner on board with financial goals is one of the most common and most frustrating financial challenges for people who are motivated to … Read more
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Most of what you believe about money — whether it is safe, whether you deserve it, whether having it makes you a certain kind of … Read more
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The relationship between spending and happiness is more nuanced than either “money can’t buy happiness” or “spend freely on everything you want.” Research in hedonic … Read more
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A credit score is a three-digit number between 300 and 850 that represents your creditworthiness — how likely you are, based on your history, to … Read more
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Credit score improvements do not happen overnight, but the actions that move the needle most are faster than most people expect. A score in the … Read more
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Multiple income streams are widely recommended and often poorly defined. The advice to diversify income sounds simple but the execution requires clarity about what types … Read more
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Financial habits — the automatic behaviours that execute financial goals without active decision-making — are the difference between financial plans that work and financial plans … Read more
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Financial envy is one of the most common and least discussed emotions in personal finance. The feeling when a colleague gets a promotion you wanted, … Read more
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Financial stress is one of the most common and most consistently damaging forms of chronic stress — affecting sleep, health, relationships, and cognitive function. It … Read more
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A 401k is a retirement savings account offered through an employer that provides significant tax advantages and, in many cases, free matching contributions from your … Read more
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