Author name: AskTheMoneyCoach

AskTheMoneyCoach.com is a financial education and coaching company that aims to empower individuals with the knowledge and skills they need to achieve their financial goals. Founded by Lynnette Khalfani-Cox, a personal finance expert and Earl Cox, a book agent and publisher, AskTheMoneyCoach.com offers a range of services, including one-on-one coaching, online courses, books, and speaking engagements. Articles and services mentioned under the AskTheMoneyCoach byline are not written or endorsed by Lynnette Khalfani-Cox.

Gen Z and FinTech

Why Gen Z Is Reshaping the Financial Industry Through FinTech

As you navigate the ever-evolving landscape of finance, you may have noticed the emergence of a new generation reshaping the industry: Generation Z. Born between the mid-1990s and early 2010s, this cohort is defined by its digital nativity, having grown up surrounded by technology and social media. This close relationship with innovation has made Gen […]

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A scientific calculator, notepad, and pen are placed on top of assorted US dollar bills, suggesting careful planning to manage unexpected costs.

Unexpected Costs To Be Prepared For In Life

There will always be unexpected costs that you need to deal with in everyday life. Being prepared for these can make things slightly easier on both your wallet and your mental health. Unexpected costs can arise from various situations, whether they stem from home repairs, vehicle maintenance, or medical emergencies. Understanding potential unexpected costs and

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Photo Demand Letters

Demand Letters That Work: Structure, Tone, and Timing

A demand letter serves as a formal request for payment or action, typically sent when an individual or business believes they are owed money or have suffered a loss due to another party’s actions. The primary purpose of a demand letter is to clearly communicate your position and expectations, providing the recipient with an opportunity

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AI-powered gold trading bots for Forex and precious metals markets

Unlocking the Power of AI Gold Trading Bots

The rise of algorithmic trading has fundamentally reshaped how investors engage with Forex and precious metals. Gold (XAU/USD), in particular, stands out due to its high liquidity, consistent volatility, and role as a global safe-haven asset. As traders seek more stability through higher timeframes, automation has become essential in minimizing human error and achieving consistent

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Photo Year-End Payouts. year-end bonus strategy

Before the Bonus: How to Turn Year-End Payouts into a 10-Year Head Start

A tactical year-end bonus strategy for routing December bonuses into 401(k)s and priority goals for early-career women. Year-end bonuses can be a significant financial boost for many employees, providing an opportunity to enhance savings, pay off debts, or invest in future goals. These bonuses often reflect an employee’s performance and the company’s overall success, making

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Photo investment leadership, women investment leadership

From CFO of the Household to CEO of Your Portfolio

Translating everyday budgeting savvy into long-term investment leadership for women, promoting women investment leadership. Budgeting is often viewed as a tedious task, but it serves as the cornerstone of financial success. At its core, budgeting involves tracking income and expenses to ensure that you live within your means while also setting aside funds for future

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Photo Financial Shocks, financial shock recovery

The Dreaded Ds: Bouncing Back from Financial Shocks

Recovery playbook for job loss, bereavement, and other shocks with an action-first approach. Experiencing a financial shock recovery can be one of the most challenging aspects of life, particularly when it stems from job loss, bereavement, or other unexpected events. These situations can create a ripple effect that impacts not only your financial stability but

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Photo retirement, catch-up contributions retirement

50+ and Catching Up: Smart Moves for the Last Mile to Retirement

Maximizing catch-up contributions, HSAs, and tuition tradeoffs while managing retirement risk. Catch-up contributions are a vital tool for individuals aged 50 and older who want to enhance their retirement savings. These contributions allow eligible individuals to contribute additional funds to their retirement accounts beyond the standard limits set by the IRS. For example, in 2023,

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mid-career financial mistakes

Mid-Career Money Power: Taking Control After Life’s Curveballs

Angle: A step-by-step guide for centralizing accounts and resetting allocations after divorce or other transitions. Assessing your financial situation is the crucial first step in achieving financial stability and success. This process involves taking a comprehensive look at your income, expenses, assets, and liabilities. By understanding where you stand financially, you can make informed decisions

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Zora coin : A social network where every post is a coin

What is ZORA Crypto? The Social Network Where Every Post is a Coin (And Why It Just Exploded 990%)

ZORA isn’t your typical cryptocurrency. It’s turning social media posts into tradeable investments, and the results have been explosive If you’ve been following cryptocurrency news lately, you might have noticed a relatively unknown token called ZORA making headlines with explosive gains of nearly 1,000% in just one month. But ZORA isn’t your typical cryptocurrency. It’s

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Close-up of a section of a euro banknote, showing part of an architectural design, the number 5, and several stars—offering visual insight useful when understanding your pension plan and its financial details.

Maximizing Your Pension: Tips for a Secure Retirement

When it comes to planning for your retirement, understanding your pension plan is crucial. A pension plan is essentially a financial arrangement that provides you with income after you retire, based on your earnings and years of service. It’s important to familiarize yourself with the specifics of your plan, including how benefits are calculated, the

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A person pays at a counter using a smartphone while another operates a white point-of-sale terminal in a brick-and-mortar business.

Important Updates for Your Brick-and-Mortar Business and When to Make Them

Brick-and-mortar business owners must regularly update their storefronts, interiors, and technology to stay competitive. Learn when and how to make the most impactful upgrades.

Important Updates for Your Brick-and-Mortar Business and When to Make Them Read More »

A close-up image showing a fanned-out stack of various secure credit cards, including Visa and MasterCard, with card details partially visible.

Secured Credit Card vs. Prepaid Debit Card vs. Visa Gift Card: What’s the Difference in 2025?

Discover the differences between secured credit cards, prepaid debit cards, and Visa gift cards in 2025 to choose the best option for your financial needs.

Secured Credit Card vs. Prepaid Debit Card vs. Visa Gift Card: What’s the Difference in 2025? Read More »

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