Low-interest balance transfers and debt consolidation can be tempting. Learn how to determine if a balance transfer or debt consolidation is right for you.
How Reward Credit Cards Lead to Accidental Overspending
Using Reward Credit Cards for everyday purchases leads to overspending. Find out what happened when I switched to debit cards for 90 days.
Gold Proves it is Not an Investment… By Hitting an All-Time High
Gold is flirting with all-time high prices set back in 2011. Learn why that proves gold is not an investment and has no place in your nest egg.
If You Are Willing to Pay Over Time, Why Are You Not Willing To Save Up?
Debt does not allow you to buy things you couldn't otherwise afford. It simply lets you buy things sooner, in exchange for interest and added risk.
Every Single Restaurant is a Luxury – And They Cost More Than You Think
Going to a restaurant is literally just paying someone to cook for you and do your dishes. Paying someone to do something for you is, by definition, luxury.
Fully Fund a Roth IRA Every Year and You Can Retire a Millionaire
Fully fund a Roth IRA every year, build a diverse portfolio, and you can become a millionaire in time for retirement. As long as you start early enough.
Learn Why Zero Percent Auto Financing is Not Actually Free Money
The requirements to qualify for zero percent auto financing mean it is not free money. In fact, it is more expensive than many other alternatives.
The Shortest Path to Wealth is a Boring Straight Line
Don't waste time and energy on things that create an illusion of financial progress. Instead, make slow and steady steps toward wealth. One step at a time.
Ignore All Predictions: Investing, Economics, Weather, and Everything Else
Ignore economic forecasts. Instead: spend less than you make, have emergency savings, have diverse investments, rebalance regularly.
Why Credit Monitoring and Identity Theft Insurance is a Waste of Money
Learn how to minimize the risk of Identity Theft damage by monitoring if someone is pretending to be you and protecting yourself from losses in case someone is successful.