Is $77,000 Too Much Cash for My Financial Situation?
One of the most important personal finance questions anyone can ask themselves is exactly how much money they need on hand at any given time. Whether it’s emergency money for a home, a potential…
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David Beren
Should Social Security Be Tax-Free? The Debate Over H.R. 904
With so much uncertainty surrounding Social Security and its solvency over the next 10 years, there is ongoing discussion about what, if any, steps should be taken. Short of a quick, bipartisan resolution that…
I’m in my 30s with $1.3 million – Should I quit my job now or keep grinding for a few more years?
One of the biggest questions anyone in the FIRE world can ask themselves is what number they need to achieve to walk away from the workforce for good. For some people, it’s $1 million,…
These American Ally Nations Are Neighbors to Enemy Forces
As much as we would all like to live in a Star Trek-friendly place where the entire world is in lock step with global needs, this isn’t our reality. Instead, there are allies and…
Seeking One New Card Without the Hassle: What’s the Smartest Choice?
It might sound silly, but choosing the right credit card is far more important than most people realize. Not only do you want the best perks and benefits, but if you just want one…
A Look at U.S. Workers Who’ve Accumulated $1M in Retirement Funds
Over the last few decades, it’s become commonplace to think that to retire comfortably in America, you need at least $1 million in retirement funds. As a result, this number has been the goal…
Dave Ramsey’s Bold Advice to a $200K Earner Carrying Debt
When it comes to paying off debt, there is no simple and guaranteed way that works for everyone. In other words, everyone has to figure out on their own how to pay off debt…
My Father is Losing His Job – Can He Afford to Retire or Should He Take a Pay Cut?
It’s an unfortunate truth that far too many people of baby boomer age and looking to stay in the workforce are being forced out. Whether this is a result of ageism is debatable, but…
Finding the Ideal Balance in a High-Yield Savings Account
For some people, putting all their money into the stock market isn’t the safest place to park it. Everyone has their own financial needs and what they might want to get out of their…
What Are The Benefits Of Using A 5% Cash Back Credit Card?
If you think about what type of credit card you want to use, between cash back, travel rewards, or store-branded cards, you must think long and hard about the benefits. In the case of…
The Percentage of Americans With $5M Saved for Retirement, Revealed
When you think about how much you need to retire to be comfortable, for most Americans, $5 million probably isn’t the number that comes to mind. Having this amount or more would be welcome,…
Quick Wins: The Straightforward Arithmetic of Big Cash Back Credit Card Rewards
When it comes to credit card rewards, it doesn’t take long to see how valuable they can be in the long run. This is especially true for cash-back credit cards, which offer a percentage…
Outrageous but Brilliant: 6 Ways to Tackle $20K+ Debt
No matter how much debt you have accrued, there is always a fear and concern about how to best pay it off. It’s an unfortunate truth that this fear grows alongside your debt, so…
10 Ways Japan’s Military is More Powerful Than China’s
Much of the world fears China becoming increasingly aggressive militarily while increasing its technological and cyber strengths. While Japan’s military is often viewed as less aggressive than during World War II, it wouldn’t be…
We had to get advice from Dave Ramsey on how to handle a family member holding our inheritance hostage – hear what he said
One of the most frustrating things to do with family is navigating any kind of inheritance coming down. Few things can pit family members against family members more than trying to figure out how…
Discovering My Parents Went Broke in Secret—Five Years Too Late
One of the worst things any child can hear is that their parents are not financially stable. The hope is always that parents have saved and left enough money after the expense of raising…
Charlie Munger Said The first $100,000 is the worst, and He’s Right
If you’re someone even remotely interested in earning money in the market, there is a good chance you have heard the saying “your first $100,000 is the hardest.” First spoken by legendary investor and…
How Millionaires Use Legal Loopholes to Erase Debt—And You Can Too
If you’re a millionaire, congratulations, you have made it, and you should only be thinking about what to do with all of your hard-earned money. Of course, if you are a millionaire, you also…
Beyond Saving: What We’re Missing in Our 20-Year Retirement Plan
One of the most important aspects of jumping into the FIRE (financial independence, retire early) movement is to know exactly how much you think you need to retire. This is true whether you are…
If You’ve Saved $5 Million By 50, Do You Need to Keep Contributing to Your 401(k)?
If you are fortunate enough to have a pretty sizable amount of money tucked away by the time you are 50 years old, congratulate yourself. In a time and period when putting more money…