As a financial coach, I focus on how behaviors and mentalities affect my clients' results. I also sometimes consider how public policy affects these results as well, and sometimes have to say something about how legislators' actions affect what we can and cannot do. Social Security is one of the most socially ingrained government programs … Continue reading As a Financial Coach, Here’s Why I Cannot Stand Social Security
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Five Tips On How to Excel at Working from Home
Since a lot of people are working from home for a while, I thought I'd share what I've learned after working from home for several years. I greatly enjoyed my work from home time, but there were some trade-offs that I had to learn how to deal with. I had a very short commute, was … Continue reading Five Tips On How to Excel at Working from Home
Worried About a Recession? Here’s What You Can Do to Prepare
Many people are concerned about the United States falling into another recession. Here's what you can do starting right now to prepare.
Smart Financial Planning Tips for Young Adults
Guest post from Chris Haymon of Adulting Digest. Millennials are fairly well-established in the workforce, and now Generation Z, those born in the late 1990s and early 2000s, are now entering the workforce. Unfortunately, the BBC reports that many of today’s young adults are working more (and earning less) than previous generations did in their … Continue reading Smart Financial Planning Tips for Young Adults
One Investing Chart Shows Why the Long Term is What Really Matters
We're now in the '20s, can you believe it? Cue the jazz music and all-time stock market highs. Well, perhaps jazz music won't be as popular as it was a century ago, but we do currently have a rather vibrant economy at the moment as we did in the 1920s, and the stock market has … Continue reading One Investing Chart Shows Why the Long Term is What Really Matters
The Biblical Principle of Having an Emergency Fund
An emergency fund can turn a crisis into an inconvenience. Having a big pad of liquid cash available ensures that when life throws its wrenches and curveballs your way, you and your family will be prepared. This is a sensical conclusion. Yet most Americans have little in emergency savings. One survey found that only 39% … Continue reading The Biblical Principle of Having an Emergency Fund
How to Know When You Deserve A Raise at Work
Do you want a raise at your job? Of course, you do! Who would say no to a bump in earnings? Well, the fact of the matter is that just getting a raise isn't so simple most of the time. Some industries have a standard cost of living adjustment, or raises that come with achieving … Continue reading How to Know When You Deserve A Raise at Work
IRS Announces Tax Bracket Changes for 2020
In 2017, Congress changed federal income tax rates and brackets with the Tax Cuts and Jobs Act of 2017. The changes included a lowering of the personal and corporate tax rates, along with a doubling of the standard personal deduction. For the 2020 tax year, the IRS has made some changed that could affect your … Continue reading IRS Announces Tax Bracket Changes for 2020
Student Loans Are the Only Way to Pay For College?
Let's face it folks: no matter who you are, it's easy to see that the student loan situation is simply out of control. (Well, unless you're Sallie Mae or Navient). Those goons aside, most any sensible person sees the nearly $1.6 trillion in student loan debt as something that needs a solution right now. Part … Continue reading Student Loans Are the Only Way to Pay For College?
Should I Cash Out My 401k Early to Pay Off Debt?
The short answer to this question is no. The longer answer is still no as a general rule, but it may be a consideration in some very limited circumstances. Here's the rationale behind not cashing out the 401k. Sure, it may be tempting to take that big chunk of that savings and throw all at … Continue reading Should I Cash Out My 401k Early to Pay Off Debt?
