As a Financial Coach, Here's Why I Cannot Stand Social Security

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

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?

“We Used a Coach…My Cousin Didn’t”

It's a common question that a lot of folks ask when they hear about the idea of working with a coach: " Why should I pay someone when I can’t even make payments on some of our debts?" This is an understandable concern. The bills are already sky-high and it seems like there's hardly any … Continue reading “We Used a Coach…My Cousin Didn’t”

5 Quick Ways to Earn Some Extra Money

Almost everyone could use a few extra bucks in their checking account, am I right? Luckily, in our world today, there are tons of opportunities to get some cash fast. Let's consider just a few of the options available to us. 1. Have a Garage/Yard Sale Most of us have a bunch of random stuff … Continue reading 5 Quick Ways to Earn Some Extra Money

The Four Walls of Your Household’s Finances

In the Baby Steps program, the Four Walls are the fundamental necessities of your household's finances. These bills are paid before anything else; before the credit card company, before Sallie Mae, before the medical debts. Food The first category of no compromises is food. No matter how much debt you have, you and your family … Continue reading The Four Walls of Your Household’s Finances

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