Summary When most people think about trying to improve the state of their finances, “budgeting” tends to be one of the first words that comes up. And that’s a shame. Really. I’m not sure I’ve ever met anyone who actually likes budgeting. And there are a few good reasons for not liking traditional budgeting: Most […]
Summary It’s hard to escape the investing phenomena that Bitcoin has become. The rapid growth of the investment in 2017 caused many people to wonder whether they should invest in Bitcoin. In this article, we discuss whether or not it makes sense to put some money in Bitcoin. As we will discuss, I’d invite you […]
Executive Summary When married couples with student loan debt go onto an Income-Driven Repayment plan, there’s a choice to be made: is it better to file your taxes jointly (but base your income-capped student loan payments on both you and your spouse’s income) or to file taxes separately (and only count your income when calculating […]
Like just about everything these days, most of the coverage around the “Tax Cuts and Jobs Act” has been viewed with an overwhelmingly partisan lens. Most of this has to do with the nature of the corporate tax cuts in the law, perhaps justifiably so. But in my opinion, there’s been far too little discussion […]
Nobody likes to talk about money. In many ways, finances are the last big “taboo” in our society. There’s even some research to back it up – a study from University College London surveyed 15,000 men and women in Great Britain a few years ago and found that people are seven times more likely to […]
Saving might be a virtue, but it’s not one that the market tends to reward. Even as interest rates in the economy as a whole have risen over the past few years, savings account interest rates generally haven’t followed suit. Banks are quick to raise rates on things that make them money (such as interest […]
It’s the most wonderful time of the year… health care open enrollment is upon us! Ok, ok, so picking a health insurance plan isn’t super exciting stuff. Fair enough. But, we all know that health insurance is important, and picking a plan is a critical step to protect our finances (and, of course, our health) […]
[siteorigin_widget class=”SiteOrigin_Widget_Image_Widget”][/siteorigin_widget] Executive Summary Public Service Loan Forgiveness (PSLF) is a specific student loan payment strategy for individuals with high student loan debt who work for the government or a registered non-profit. This includes government employees, employees of traditional non-profit entities, teachers, and even doctors and nurses who work at teaching hospitals. Under this program, […]
When most couples talk about money, the topic of credit scores usually isn’t one that gets them fired up. It’s much more fun to focus on a goal like buying a new home than it is to dwell on your credit score. But, building your credit is one of the most critical steps to take […]
Several months ago, I wrote a post on this blog that was… shall we say, somewhat critical of using whole life insurance as an investment. To be clear, that’s not to say that I think life insurance itself is bad. Life insurance is important if you have a spouse or children who depend on your […]