4 Ways Your 2025 Tax Refund Could Improve Your Finances
At this point, the 2025 tax-filing season is well underway. And some filers may be within days of getting their refunds, or sitting on that money already. It’s easy to look at a tax…
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20 Facts About Annuities That Every American Over 40 Needs to Know
One of the most important things we all want in retirement is to know we will be well taken care of. Whether through a 401(k) or an IRA, there is a definite hope that…
I Only Have $150K Saved, But Everyone Says $5.5M Is What You Need For Retirement. How Can I Possibly Make It Work?
Saving for retirement can be stressful because it can be hard to figure out the amount you need to invest for your future. If you have $150K saved, that’s a good amount of money …
My state pension will pay me $2.6 million over the next 20 years – should I trade it in for a lump sum of $418k today?
Retiring early, years before the average age of 65, has often been considered something for Millennials working in high-tech industries or other fast-growth, high-compensation occupations. However, a F.I.R.E. (Financial Independence Retire Early) strategy can…
Annuities Are Worse Than People Think, and High Yield Savings Accounts Are Better
There’s a reason people are often drawn to annuities, especially as retirement gets close. The nice thing about an annuity is that it could set you up with steady, guaranteed income for life. Plus,…
Gary Vee says “Skills are cheap. Passion is priceless” – The real currency in the hustle economy
Gary Vaynerchu wasn’t born rich. The famed businessman and internet personality worked his way to fame and fortune by hustling and being passionate about the things that were important to him. In fact,…
Suze Orman Thinks You Need a 12-Month Emergency Fund. Is She Right?
Life has a way of surprising us with unplanned bills. You could wake up in the morning to take a shower only to find that your water heater can stopped working. Or, you could…
Retirees Need to Stop Making These Common Medicare Mistakes
Once you turn 65, you’re generally eligible for health coverage through Medicare. And it’s for this reason that many older Americans opt to retire at 65. But Medicare is a complex program that’s loaded…
I’ve owned the Apple Card for 3 months. It’s dismal compared to other credit cards
From 1997 to 2002, Apple Computer, the company now known simply as Apple, Inc. (Nasdaq: AAPL) | AAPL Price Prediction, ran a marketing campaign urging its customers to “think different.” But how good is…
My Pension Dilemma: Is $58,000 Today Enough to Give Up $12,200 Per Year?
When you play the Powerball lottery, you’re asked whether you want the winnings as a lump-sum or an annuity, paid out over your lifetime. Most people choose to have the cash up front, even…
How does Your 401(k) Compare to the Average?
Is your 401(k) account balance above average or below average? This is a helpful thing to know because it can give you insight into whether you are doing better than your peers when it…
I’m a small business owner and my mom is guilting me for not funding her life – should I feel guilty?
What obligations do you have to provide for your family members financially when you are doing well and they are struggling? This is a question that a recent caller to the Dave Ramsey Show…
Millennials: Ask These 3 Questions Before Envisioning Your Dream Retirement
If you’re a millennial, it means that barring an early workforce exit, retirement is probably quite a ways off. But that doesn’t mean you shouldn’t start planning for it now. The reality is…
What are the best cash back credit cards for the military? I use the AMEX platinum today.
There are plenty of premium credit card options for active military members. In this piece, we’ll check in with a Reddit user who took to the r/MilitaryFinance subreddit in search of alternative offerings on…
I make $80,000 a year and Dave Ramsey told me this is why I’m staying broke
Recently, a caller to the Dave Ramsey Show asked about a purchase he was hoping to make. The caller said he makes $80,000 per year and is currently maxing out his 401(k) and IRA.…