Dave Ramsey Slams Plan to Buy Parents’ Home on $75K Salary
Home ownership remains a key pillar of the American Dream. As one of the biggest expenses that consumers will ever make in their lifetime, real estate financing is not easy to come by for…
Personal Finance
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Has the Safe Withdrawal Rate Doubled from 4% to 8%?
Retirement planning hinges on determining a sustainable withdrawal rate to ensure savings last a lifetime, but shifting market conditions in 2025 have sparked debate over the traditional 4% rule. Established in the 1990s by…
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…
Using JEPQ for Regular Dividends—Is It Worth the Trade-Off?
Investors seeking sizable capital appreciation will usually search out aggressive growth stocks and exchange traded funds that are tied to tech indexes or the S&P 500. Those that want growth but lack the stomach…
Is Leaving Your Children Out of Your Will the Right Choice?
Estate planning is no easy task. Yet, as we age, the need to make some truly important decisions looms larger in our minds. Navigating the ins-and-outs of creating a will is difficult enough under…
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…
AI Is Huge Threat to Social Security
Some models of the effects of AI show more and more people will live into their 100s. Social Security cannot afford for people to live that long.
Why I, a Financial Advisor, Question the Focus on Dividends Over Total Returns
A lot of retirees who live off passive investment income seem to care a lot more about dividends than the actual capital appreciation (or depreciation) potential of a portfolio. Undoubtedly, there’s nothing fundamentally wrong…
Invest $75K in Nvidia or Broadcom? A Strategy for Early Retirement
The artificial intelligence (AI) revolution has reshaped markets since 2022, propelled by breakthroughs like ChatGPT, which showcased AI’s transformative power. This has fueled massive gains for chipmakers powering AI infrastructure, with Nvidia (NASDAQ:NVDA |…
5 Crucial Credit Card Anti-Theft Measures You Shouldn’t Overlook
Credit cards are a convenient way to pay for purchases while racking up rewards for the things you’re buying. But they can also open the door to fraud. Credit card fraud was the most…
With an 800 Credit Score, Which Initial Card Hacks Offer the Best Returns?
The average American consumer has a credit score of 715, says Experian, one of the three major reporting bureaus. It’s a lot harder to get your credit score up to an 800 because…
The Typical 401(k)-Only Retirement: My Dad’s Story at 67
There’s a reason a lot of people opt to save for retirement in a 401(k). These plans make it easy to contribute toward your later years. You just sign up through your employer,…
I Have $600,000 at 29 — Should I Rely Solely on the Stock Market or Diversify?
In this piece, we’ll check in on the curious case involving a Reddit user who’s managed to save up $600,000 before turning 30. Undoubtedly, it’s an impressive feat that puts this r/Fire poster well…
$5 Million at 50-Something: Rich Enough to Retire, or Just Scared?”
While the full retirement age for Americans is 67, many savers find themselves dreaming of retiring early. Making that dream into a reality is easier said than done, considering the percentage of Americans who…
$4,000 Charged and Cleared in 24 Hours: Was This a Smart Credit Card Move?
There’s a reason credit cards tend to get a bad rap. Credit cards charge exorbitant amounts of interest when you don’t pay your balance in full. That could easily trap you in a…