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A cartoon of Lynnette Khalfani-Cox highlights the risks of Buy Now Pay Later plans, revealing that 43% of users miss payments, which could lead to fees and credit damage.

BNPL Warning: 10 Wild Things People Are Buying with Buy Now Pay Later

Buy Now, Pay Later, or BNPL, is quickly becoming a huge form of debt for millions of Americans. What is BNPL? BNPL stands for “Buy Now, Pay Later,” a form of short-term financing that lets consumers split purchases into smaller, interest-free payments—typically over a few weeks or months. Companies like Klarna, Affirm, Afterpay, and Zip

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Two people stroll towards a single-story house with a "House Sold" sign in the yard. The charming home, boasting a porch and dark roof, offers modern comforts perfect for those investing in new home technology.

How Investing in New Home Technology Can Help Save You Cash

Investing in New Home Technology Moving to a new home can be expensive, but it also presents a wealth of opportunities to save money over the long term. The best way to achieve this goal is to be proactive by investing early in systems and tech to ensure your savings add up over time. We’ll

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First-person view in a video game shows a soldier aiming at a large robot amidst an explosive battle, with soldiers and flying drones under a bright sky, offering thrilling action that proves you can enjoy high-quality gaming on a budget.

How to Enjoy Gaming on a Budget in 2025

These days, the rising cost of various entertainment options has resulted in consumers making cutbacks. Alongside canceling Disney+ and deciding to ditch book subscription boxes, people also turn their backs on gaming. It doesn’t need to be that way, though. Gaming on a budget is entirely possible, and there are numerous ways people can enjoy

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Horse racing betting action with jockey racing through muddy track, highlighting speed and intensity

Can You Really Make Money Betting on Horse Racing?

Horse racing betting has fascinated gamblers for centuries—dating back to Roman chariot races. Today, millions still enjoy the thrill of betting on horses. But beyond the excitement, one question remains: Can horse racing betting be a realistic and sustainable way to make money? As Grand National 2025 betting gains momentum, let’s explore whether betting on

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Two people sit at a table in an office setting, gazing intently off-camera. The person on the left wears a crisp white shirt, while the individual on the right sports a casual denim jacket. They could be seeking advice on how to choose a financial advisor.

How to Choose a Financial Advisor in 2025: 5 Key Steps to Avoid Costly Mistakes

When we think about our financial goals and needs, it’s essential to recognize that these objectives can vary significantly from one person to another. Understanding our unique financial situation is the first step in determining what we want to achieve. How to choose a financial advisor begins with this self-assessment—knowing whether we are saving for

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A man and woman sit at a table, reviewing a document together. With coffee mugs steaming beside them and a laptop open, they're discussing the best approach to find a financial advisor.

5 Smart Ways to Find a Financial Advisor in 2025 (And Why You Need One)

Finding the right financial advisor isn’t just about growing wealth—it’s about safeguarding your life’s work. Before you find a financial advisor, consider how fees impact your long-term savings. A seemingly minor difference, like choosing an advisor who charges 2% instead of 1%, could reduce your retirement savings by $500,000 or more over 30 years on

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Lynnette Khalfani-Cox

35,000 Feet of Connection- How Airplane Time Became Our Special Mother-Daughter Space

Most parents cherish those precious moments of connection with their children in the car – driving to school, heading to practice, or running errands. It’s during these unguarded moments that kids often open up, sharing their dreams, fears, and daily dramas. But in our family, some of my most meaningful mother-daughter conversations happened at 35,000

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A cruise ship sails through the bright blue sea under a clear sky, with lifeboats visible along its side.

Lessons from the Sea: How Fellow Cruise Passengers Shaped Our Life Philosophy

I run my fingers over the stack of cruise cards spread before me on the dining room table, each a tangible reminder of our family’s seafaring adventures. There must be at least 50 of them, bearing our names –– mine and my husband Earl, as well as our children Aziza, Jakada, and Alexis –– alongside

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With feet up and Netflix on TV, this cozy living room is an oasis of relaxation. Amidst the greenery, a guitar, and a stack of books on a wooden coffee table, it's the perfect spot to unwind without adding to your entertainment expenses.

Budgeting For Fun – Why Entertainment Expenses Matter

The average person has a long list of monthly expenses. From essentials like food bills and car insurance to incidentals like newspapers or online subscriptions, there are a lot of bills that need to be paid. Budgeting is a critical component in ensuring these payments are all met and that the individual has the funds

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Find a local financial advisor

Find a local financial advisor