Money Decisions

A financial rut is the experience of income and spending in rough equilibrium with no forward movement — bills paid, never getting ahead, savings not … Read more

Credit card debt is expensive, demoralising, and — with the right approach — entirely solvable. Here’s the step-by-step plan that actually gets people out of credit card debt, with the tactics that produce the fastest results.

Your 30s are when the financial decisions with the largest long-term consequences get made — not because the amounts are largest, but because time is … Read more

Not being able to pay your bills is a situation most people face at some point — through job loss, unexpected expenses, illness, or a … Read more

Divorce is one of the most financially disruptive events in adult life. It typically involves a significant reduction in household income per person, a division … Read more

Building wealth as a single person operates under different constraints than building it in a dual-income household, but also under different advantages. The constraints are … Read more

A financial plan sounds like something that requires a financial advisor, a spreadsheet with dozens of tabs, and a significant amount of time. It does … Read more

Housing is the largest expense in most household budgets — typically 25 to 40 percent of take-home income. Unlike most other budget categories, housing costs … Read more

A financial plan doesn’t need to be a 40-page document produced by a certified planner. Most people need five clear decisions and a system to execute them. Here’s how to build one that actually works.

The financial advisory industry contains both genuinely helpful professionals and salespeople whose compensation is misaligned with your interests. The two are often indistinguishable from the … Read more