Money Decisions

Getting out of debt on a low income is harder than getting out of debt on a comfortable income — but the structural approach is … Read more

Living beyond your means is one of those phrases that sounds like a moral failing but is usually just a structural problem — spending is … Read more

The phrase “making money work for you” gets used so often it has lost its meaning. But the underlying idea is real and specific: structuring … Read more

Saving more without earning more means finding the gap between what you currently spend and what you actually need to spend to maintain your genuine … Read more

Food delivery apps are one of the largest discretionary spending categories in most household budgets, and the fees and premiums built into them are largely … Read more

Most budgets are built backwards. They start with last month’s spending, assign categories, and try to spend less in the expensive ones. That approach keeps … Read more

Most people decide whether they can afford something by checking if the money is in the account. That is a useful start but an incomplete … Read more

The conversation about an aging parent’s financial situation is one of the most avoided and most necessary conversations in adult family life. Most people wait … Read more

Financial mistakes — a bad investment, accumulated credit card debt, a cashed-out retirement account, a co-signed loan gone wrong, an impulse purchase on borrowed money … Read more

Starting retirement savings late is one of the most common financial situations and one of the least talked about honestly. Most personal finance content is … Read more