Financial Decluttering: How to Organize Your Money and Budget Effectively
Understand financial decluttering and how to declutter your finances by organizing documents, budgeting wisely, and reducing debt. Build financial stability with these expert strategies.
Self-Employed Retirement Planning: Solo 401k vs. SEP IRA for 2025
Solo 401k vs SEP IRA: Which is the best self-employed retirement plan in 2025? Compare contribution limits, tax advantages, and flexibility to maximize savings.
Budget-Friendly Tips for Managing College Life
Discover practical, budget-friendly tips for managing college life – save on food, transport, textbooks, and more, all while staying financially smart and stress-free.
How to Secure Funding for Your Small Business Despite a Low Credit Score
Struggling to secure small business funding due to a low credit score? Discover alternative lending options, microloans, and financial strategies to help your business thrive.
Bestselling Author Reveals How to “Bounce Back” from Financial Challenges in 2024
For Immediate Release HOUSTON, TX – December 6, 2023 – Personal finance expert and New York Times bestselling author Lynnette Khalfani-Cox today announced the release of her new book, “Bounce Back: The Ultimate Guide to Financial Resilience” (ISBN 978-1394205165, Hardcover, $29.95). Published by Wiley, the book shares Lynnette’s proven techniques for achieving economic success and […]
Best Financial Literacy Apps for Kids: What Parents Should Look For
Parents ask me all the time for the “best” financial literacy app for their kid. My honest answer is that the best app is the one that fits your child’s age, gives them something meaningful to actually do, and helps your family have better money conversations. A beautiful app your child ignores, or one that […]
Why Millennials and Gen Z Would Rather Break Up Than Date Someone in Debt
Knowledge snapshot: Debt and Relationships The TD Bank 2026 Love & Money Survey found that: 46% of Americans say a partner’s debt or financial habits would influence whether they pursued a serious relationship. That number rises to 51% among Millennials and 49% among Gen Z. 72% say financial stability is important when pursuing a serious […]
Should You Fund Your Kid’s College or Your Retirement First? The Order of Operations Parents Need
Parents are often told they must choose between two important goals: saving for retirement or paying for a child’s college education. The better answer is usually not an either-or decision. It is a matter of sequence. For most families, retirement should come first. That does not mean you cannot help your child attend college. It […]
Fed Chair Warsh Just Changed the Mortgage Math: What Homebuyers Should Do Before September’s Meeting
Fed Chair Kevin Warsh did not directly change mortgage rates. The Federal Reserve does not set the rate quoted on a 30-year home loan. But his first Jackson Hole speech changed what markets expect the Fed may do next. That matters because mortgage lenders price loans based largely on longer-term bond yields, inflation expectations, and […]
Your Employer Just Cut Weight-Loss Drug Coverage: What It Means for Your Health Budget
If your employer is removing coverage for weight-loss medications, the change can affect far more than your pharmacy bill. It may alter your monthly cash flow, health plan choice, tax-advantaged account strategy, and decisions about ongoing treatment. The Business Group on Health’s 2026 Large Employers’ Health Care Strategy and Plan Design Survey, created by Business […]
Credit Card APR at 23.80%: What to Do Before the Fed’s September Meeting
A credit card APR of 23.80% is not a prediction about where rates are headed. It is a snapshot of the average annual percentage rate on new credit card offers tracked by LendingTree in August 2026. Still, the number matters. Credit card borrowing remains expensive, and the Federal Reserve’s September 15-16 meeting could affect the […]
The 15-Minute 401(k) Concentration Audit: Find Hidden Risk Before You Reallocate
Knowledge Snapshot A 401(k) can contain several funds and still be heavily exposed to the same companies, sectors, or asset classes. The fastest way to find hidden risk is to review your total portfolio, not just each fund separately. Target-date funds are often designed as complete portfolios. Adding extra funds may create overlap rather than […]
Inherited a House? Use This 90-Day Keep, Sell, Rent, or Share Decision Framework
If you’ve inherited a house, it can feel like receiving a valuable gift, but it can also create immediate financial pressure. Mortgage payments, property taxes, insurance, repairs, family disagreements, and legal paperwork don’t pause while you decide what to do with the property. The first 90 days should not be about rushing into a sale. […]
Debt, Emergency Savings, or Retirement? How to Choose Where Your Next Dollar Goes
Knowledge Snapshot A strong default order is: cover essentials, build a starter cash buffer, capture your full employer retirement match, then attack high-interest debt. After expensive debt is under control, expand emergency savings and increase retirement contributions. The right choice depends on five factors: employer match, interest rates, emergency liquidity, tax deadlines, and your age […]
Amazon Sellers, Watch Your Ad Spend: What the FTC’s $20 Billion Allegation Means for Your Business
Amazon sellers and side-hustlers have a new reason to examine their advertising reports. On August 31, 2026, the Federal Trade Commission and 22 state attorneys general filed a lawsuit against Amazon in the U.S. District Court for the Western District of Washington. The complaint alleges that Amazon secretly changed how its digital advertising auctions were […]
The Inheritance Protection Map: Which Assets Are Vulnerable to an Heir’s Creditors?
Knowledge Snapshot An inheritance can be exposed to an heir’s creditors, lawsuit claims, divorce proceedings, or bankruptcy. Probate avoidance and creditor protection are related, but they are not the same thing. A non-spouse inherited IRA is generally not protected by the federal bankruptcy exemption under Clark v. Rameker. A surviving spouse may be able to […]
Why Rising Bond Yields Matter for Your Mortgage, Savings, and Retirement
When bond yields rise, the change can seem distant from everyday money decisions. In reality, yields influence the interest rate on a mortgage, the return on a savings account, the value of a bond fund in a 401(k), and the price investors are willing to pay for stocks. A useful market snapshot comes from August […]
Why Rising Living Costs Are the Biggest Barrier to a Better Life (and What You Can Do)
Knowledge Snapshot The survey was created by the McKinsey Institute for Economic Mobility and the WK Kellogg Foundation and conducted in mid-April 2026. The Guardian reported the findings on August 6, 2026, based on responses from more than 30,000 U.S. adults across generations and economic classes. 60% of respondents said greater financial security would define […]
How Much Money Americans Think They Need to Retire Comfortably
Knowledge Snapshot Americans say they will need an average of $1.46 million to retire comfortably by age 65. That estimate is about $200,000 higher than the 2025 figure and well above the $951,000 estimate reported in 2020. Forty-six percent of Americans do not expect to be financially prepared for retirement. Forty-eight percent believe it is […]
Why Half of Americans Doubt They Will Ever Fully Retire (and How to Build Confidence Anyway)
Knowledge Snapshot 47% of non-retirees doubt they will ever be able to fully retire. 58% remain confident they will have enough money to retire from their primary career on schedule. 64% are more focused on their current financial situation than long-term retirement planning. 63% of Gen Z and 59% of Millennials worry that AI reducing […]