What is MLM and Is It a Good Extra Income Source?
MLM, or multi-level marketing, is a controversial way to earn some extra money. Is it right for you? Consider these facts before signing up.
Category: Ask Seth
“I’m Paying Off Debt But May Be Laid Off; What Can I Do?”
Being laid off is a huge setback. But it’s important to think carefully when you have that fear. Consider this if you have that concern.
“Should I Be Cashing Out My 401k to Pay Off Debt?”
When I receive a question about cashing out a 401k to pay off debt, my short answer is generally no. It entails […]
Bitcoin, Ethereum, & Other Cryptocurrency: Should You Buy?
Over the past year, there has been increasing interest in cryptocurrencies like Bitcoin, LiteCoin, Ethereum, and even the (joke) Dogecoin. This can […]
“Should I File for Bankruptcy?”
Filing for bankruptcy is a heavy decision to make. Consider these aspects of the process and whether an alternative solution may be better.
Are Extended Warranties Worth the Money?
A client recently asked me if he and his wife should renew the warranty on their vehicle. Because of the cost-benefit analysis […]
Should I Apply for the Public Service Loan Forgiveness Program?
The Public Service Loan Forgiveness program attracts people with the promise of eradicating student loan debt, but reality is something far different.
Pension vs. 401k: Which Retirement Option is Better?
When it comes to retirement planning, we are currently in a state of transition between the pension and 401k. The pension’s days […]
Financial Coach vs. Financial Advisor: What’s the Difference?
Both a financial advisor and a financial coach play an important role in your plan. But our jobs are very different; here is an overview.
Where Should I Put My Emergency Fund?
Step 3 of the Baby Steps program is to save three to six months of expenses in an emergency fund. This fund […]
Car Payments Are One of Your Biggest Obstacles; Here’s Why
Want to stay middle class forever? Car payments will keep you stuck there. These parameters will show you the problem and how to escape it.
How Much Life Insurance Do I Need?
The question of life insurance involves a very unpleasant topic. We don’t want to think about the idea of our death or […]
Relying on Social Security for Retirement is a BAD Idea
For nearly two generations, Americans have come to see the Social Security program as the default retirement plan for when we end […]