Page 22 – The Money Coach

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 […]

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

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

5 Types of Lawyer Who Can Make Your Life Easier Read More »

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

The Hidden Benefits of Employer Perks You Might Be Ignoring Read More »

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

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

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

Are You Secretly Overspending on Subscription Services? Read More »

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

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

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

Why Skipping a Prenup Could Cost More Than You Imagine Read More »

Why Ignoring Your 401(k) Could Cost You Millions

Leave a Comment / Retirement / Abdul Qadeer / 401k retirement, Compound interest, employer matching, Financial Planning, retirement savings

When it comes to retirement planning, ignoring your 401(k) could be one of the most costly mistakes you ever make. From the power of compound interest to employer matching and tax advantages, your 401(k) plays a critical role in securing your financial future. By neglecting to contribute, you could miss out on millions in potential

Why Ignoring Your 401(k) Could Cost You Millions Read More »

Featured Image Alt Text: parents evaluating youth sports costs and investment in child’s future

How Much Should Parents Invest in Their Child’s Sports Future? Unpacking Youth Sports Costs

Leave a Comment / Personal Finance, Family Finances / Abdul Qadeer / cost of youth athletics, investing in child’s sports future, parents and sports, youth sports costs, youth sports scholarships

Raising children often comes with big financial decisions, and one of the most common dilemmas parents face today is how much to invest in youth sports. On the surface, sports can look like a fun after-school activity — but for many families, it evolves into a significant financial commitment. As youth sports costs continue to

How Much Should Parents Invest in Their Child’s Sports Future? Unpacking Youth Sports Costs Read More »

Helium Mobile dashboard showing free plan, hotspot data usage, and Cloud Points reward tracker

What’s the Deal With Helium Mobile?

Leave a Comment / Featured / Abdul Qadeer / cloud points, decentralized wireless, free phone plan, helium mobile, mobile hotspot limits

Helium Mobile sets out to change how phone service works. It combines traditional carrier infrastructure (via T‑Mobile) with a decentralized, community-powered hotspot layer. As people help build local coverage—by hosting hotspots or contributing mapping data—the network grows, and users may benefit through lower costs or rewards. Rather than buying access, you’re helping to build the

What’s the Deal With Helium Mobile? Read More »

The Shocking Truth About How Credit Card Rewards Really Get Funded

Leave a Comment / Credit Cards / Abdul Qadeer / cashback programs, consumer finance, credit card interest, credit card rewards, merchant fees

Credit card rewards are one of the most popular incentives used by banks and card issuers to attract and retain customers. Whether it’s cash back, travel miles, or retail discounts, credit card rewards are designed to encourage cardholders to spend more. But how are these rewards really funded, and what impact do they have on

The Shocking Truth About How Credit Card Rewards Really Get Funded Read More »

The Shocking Truth About How Colleges Set Tuition Prices

Leave a Comment / Personal Finance / Abdul Qadeer / college costs, endowments, Financial Aid, government funding, higher education, student debt, tuition prices

College education is more expensive than ever, creating major financial hurdles for students and families. Since the 1980s, tuition at public four-year institutions has increased by over 200%, fueling today’s student debt crisis. But what actually drives these tuition hikes? Why do some colleges charge far more than others—and what does the future hold for

The Shocking Truth About How Colleges Set Tuition Prices Read More »

The Shocking Price Tag of Raising a Child in 2025

Leave a Comment / Personal Finance, Family Finances / Abdul Qadeer / childcare expenses, cost of raising a child, education costs, Family Budgeting, Financial Planning, parenting costs

Raising a child has never been cheap, but in 2025, the costs are reaching record highs. The cost of raising a child 2025 reflects inflation-driven increases in childcare, education, healthcare, extracurricular activities, housing, and essentials. Understanding where the money goes is critical for families who want to budget wisely and secure their children’s future. Below,

The Shocking Price Tag of Raising a Child in 2025 Read More »

Are You Accidentally Lowering Your Score by Using Autopay?

Leave a Comment / Careers / Abdul Qadeer / autopay, Budgeting Tips, credit card rewards, fraud prevention, Personal Finance

Autopay is a convenient financial tool that ensures bills like utilities, loans, and subscriptions are paid on time. By eliminating the need for manual payments, it saves time and helps you avoid late fees. But while autopay offers undeniable convenience, it comes with hidden risks—often referred to as autopay pitfalls—that can impact your financial health

Are You Accidentally Lowering Your Score by Using Autopay? Read More »

Why Your Classmate Earns Double: Salary Discrepancies Explained

Why Your Classmate Earns Double with the Same Degree

Leave a Comment / Careers / Abdul Qadeer / certifications and pay, industry salary differences, negotiation skills, networking for salary growth, salary discrepancies

Salary discrepancies are one of the most frustrating realities of today’s workforce. Two people with the same degree, similar roles, and even the same employer can have vastly different paychecks. These differences not only impact financial stability but can also affect motivation, job satisfaction, and career progression. Understanding why salary gaps exist—and more importantly, how

Why Your Classmate Earns Double with the Same Degree Read More »