Page 19 – The Money Coach

What Really Happens If You Don’t Pay Off Student Loans After Graduation

Leave a Comment / Student Loans / Abdul Qadeer / Credit score, debt management, loan default, student loans, wage garnishment

If you’ve ever wondered what happens if you don’t pay off student loans, the answer is clear: defaulting can have life-altering financial consequences. From wrecked credit scores to wage garnishment and even limited job opportunities, ignoring your loans is not a problem that disappears with time. Understanding the potential outcomes of defaulting on student loans […]

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Why Investors Panic-Sell During Market Drops Explained

Why Do Even the Smartest People Panic-Sell During Market Drops?

Leave a Comment / Investing / Abdul Qadeer / Financial Planning, investing psychology, investor behavior, market drops, panic-selling

Panic-selling is a phenomenon that can grip even the most seasoned investors, often leading to hasty decisions that can have long-lasting repercussions. At its core, panic-selling is driven by a complex interplay of emotions, primarily fear and anxiety. Understanding why investors panic-sell during market drops is crucial, as shifting market conditions can create a sense

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What’s the One Money Habit That Predicts Future Wealth?

Leave a Comment / Personal Finance, Building Wealth / Abdul Qadeer / building wealth, Financial Literacy, money habits, money management, saving and investing

When it comes to building wealth, many people often search for the secret formula that will lead them to financial success. You might find yourself wondering what truly sets apart those who accumulate wealth from those who struggle financially. While there are numerous factors at play, one money habit that predicts future wealth stands out

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What Happens When You Track Every Dollar for 30 Days?

Leave a Comment / Budgeting / Lynnette Khalfani-Cox, The Money Coach / Budgeting, Financial goals, money management, overspending, saving money, track every dollar

In today’s fast-paced world, managing money often feels overwhelming. Many people wonder why their paycheck disappears so quickly or why saving feels impossible. One of the simplest yet most powerful solutions is to track every dollar you spend for 30 days. This habit not only highlights where your money goes but also helps you gain

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What Really Happens If You Pay Just the Minimum on Your Credit Card?

Leave a Comment / Credit Cards / Abdul Qadeer / credit card debt, debt management, financial health, interest rates, minimum credit card payment

Paying only the minimum credit card payment each month might seem like a manageable way to keep your account in good standing. However, this practice can lead to long-term financial consequences, including years of debt, high interest costs, and damage to your credit score. To protect your financial health, it’s important to understand the real

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Are You Saving Enough to Keep Up With Rising Retirement Costs?

Leave a Comment / Retirement / Abdul Qadeer / financial security, inflation and retirement, Retirement Planning, retirement savings, Retirement Strategies

Saving for retirement is one of the most important financial goals you’ll ever face. With life expectancy on the rise and the cost of living increasing every year, retirement savings need to stretch further than ever before. Unfortunately, many people underestimate how much they’ll need to live comfortably once they stop working. A solid retirement

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Bank for International Settlements (BIS) Explained

Exposing the Truth Behind the BIS: What They Don’t Want You to Know About the World’s Most Powerful Bank

Leave a Comment / Personal Finance / Abdul Qadeer / bank for international settlements, basel accords, bis explained, central banks, global finance

In the heart of Basel, Switzerland, stands a building that hosts some of the world’s most consequential financial meetings—yet most people have never heard of it. The Bank for International Settlements doesn’t print money, doesn’t take deposits from ordinary citizens, and doesn’t advertise its services. Yet this enigmatic institution shapes the rules that govern every

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Teaching Children About Food Insecurity: A Guide for Parents and Educators

Leave a Comment / Personal Finance, Family Finances / Abdul Qadeer / child education, community service, empathy building, food insecurity, Parenting tips

Food insecurity is one of the most pressing social issues facing communities across America, yet it remains largely invisible to those who haven’t experienced it firsthand. For children, understanding why some families struggle to put food on the table can be particularly challenging. However, experts in child development and education increasingly agree that teaching children

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Trump Accounts for Newborns: A New Era of Retirement Planning Begins at Birth

Leave a Comment / Retirement / Abdul Qadeer / financial security, generational wealth, newborn savings, Retirement Planning, trump accounts

In a historic shift in American retirement policy, the federal government has launched a program that fundamentally changes when retirement planning begins. Under the recently passed “One Big, Beautiful Bill,” every child born in the United States between 2025 and 2028 will automatically receive a $1,000 contribution to a specially designed retirement account—colloquially known as

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5 Types of Lawyer Who Can Make Your Life Easier

Leave a Comment / Personal Finance / Abdul Qadeer / accident lawyer, employment lawyer, estate planning lawyer, family lawyer, legal advice, real estate lawyer, types of lawyers

Most people never need a lawyer; for the most part, a large portion of the population doesn’t, and they live without needing legal intervention. But the reality is that legal issues arise at the most inconvenient times—from needing a lawyer for child custody or divorce concerns to buying a house or starting a business. Understanding

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The Hidden Benefits of Employer Perks You Might Be Ignoring

Leave a Comment / Careers / Abdul Qadeer / employee benefits, employer perks, job satisfaction, professional development, workplace-culture

Employer perks are more than just add-ons to a paycheck—they’re essential tools that enhance job satisfaction, improve retention, and boost workplace culture. In today’s competitive job market, top companies are leaning heavily on employer perks to attract and retain skilled talent. From health programs to flexible schedules, these benefits go far beyond a paycheck and

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The Credit Perks Only Premium Cardholders Enjoy (and How to Qualify)

Leave a Comment / Credit Cards / Abdul Qadeer / airport lounge access, concierge services, credit card perks, credit card rewards, luxury travel benefits, premium credit card

Premium credit cards are often seen as the pinnacle of financial perks—reserved for those with excellent credit scores and higher incomes. But beyond the prestige, these cards deliver tangible premium credit card perks that can elevate everyday experiences and make travel, shopping, and lifestyle more rewarding. From exclusive airport lounges and luxury concierge services to

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Photo Overspending on Subscription Services

Are You Secretly Overspending on Subscription Services?

Leave a Comment / Personal Finance / Abdul Qadeer / Budgeting Tips, cancel subscriptions, Financial Planning, money management, subscription services

Subscription services have become part of modern life, offering everything from streaming platforms to meal kits and personal care boxes. The convenience of automatic billing makes them appealing, but this ease can also lead to overspending if not managed carefully. As the subscription economy continues to grow—covering everything from entertainment to software-as-a-service (SaaS)—it’s more important

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The Hidden Dangers of Buy Now, Pay Later Apps Most People Ignore

Leave a Comment / Personal Finance / Abdul Qadeer / bnpl risks, buy now pay later, consumer protection, Credit score, Financial Responsibility

The rise of buy now, pay later apps has changed how people shop, offering instant gratification without immediate payment. With just a few clicks, consumers can purchase everything from clothes to electronics, spreading the cost over weeks or months. While convenient, these services hide significant financial risks that can harm your long-term stability. Here are

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Why Skipping a Prenup Could Cost More Than You Imagine

Leave a Comment / Personal Finance, Couples and Money / Abdul Qadeer / Asset Protection, divorce planning, family law, financial security, prenup

A prenuptial agreement, or prenup, is one of the most effective ways to safeguard your assets and establish clear financial expectations in marriage. Yet, many couples overlook this important legal step, only to face devastating financial and emotional consequences later. Skipping a prenup can lead to costly disputes, asset loss, and long-term financial insecurity. Here’s

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