Plain-English explanations of financial concepts, products, and how money actually works.
Credit cards are simultaneously one of the most useful financial tools available and one of the fastest routes into high-interest debt. The difference between the … Read more
Written by: HRM
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Most people have a vague sense of whether they’re good or bad with money — and that sense is often inaccurate. People who feel financially … Read more
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The phrase “make your money work for you” sounds like motivational filler, but it describes something real and specific: structuring your finances so that money … Read more
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A 529 plan is one of the most tax-advantaged savings accounts available in the US and one of the least understood. If you have children … Read more
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Zero-based budgeting is one of the most effective personal finance systems available — and also one of the most misunderstood. The name sounds like you’re … Read more
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The retirement savings gap in America is real and large. The median retirement savings for Americans approaching retirement age is around $87,000 — a fraction … Read more
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Dollar cost averaging (DCA) is one of those investment concepts that sounds complicated until you realise most people with a 401k are already doing it. … Read more
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Most people glance at the bottom-line number on their pay stub — the direct deposit amount — and ignore the rest. That’s a mistake. Your … Read more
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If your emergency fund or short-term savings are sitting in a traditional bank savings account earning 0.01 percent interest, you’re leaving hundreds of dollars per … Read more
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Financial freedom — the point at which work becomes optional rather than necessary — has a specific, calculable price tag for every individual. Most people … Read more
Written by: HRM
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