Did you know that credit card payment allocation is strictly regulated to benefit you? Under the 2009 CARD Act, banks are legally required to apply any amount you pay above the minimum to your highest-interest balance first. No phone calls or special requests required. Whether you’re juggling a promotional rate or high-APR purchases, federal law ensures your extra dollars work as hard as possible. Learn how Regulation Z protects your wallet and helps you stay debt-free faster

Breakups don’t just hurt — they cost. From moving and legal fees to therapy, board exams, and even a dog, this is what it really looks like to rebuild your life after love ends. No wedding, no divorce — just $49,468.53 and the fight to become someone you actually like.

I paid off my loan early—months before the deadline—and still got slapped with a year’s worth of retroactive interest. Why? Because I was eight days late on a $41 shortfall. This is what predatory financing practices look like: companies that erase years of good faith payments to punish you for one small mistake.

I have insurance. And I still pay $500 a week out of pocket to see my therapist. When my coverage changed, I had to choose between starting over or staying with the provider who helped me heal. That’s how the medical debt crisis works—not just through ER bills, but everyday care people can’t afford. Here’s what you need to know, and how to fight back.

If your federal student loans have unfortunately landed in default, the Department of Education is gearing up to restart those involuntary collection actions starting on Monday, May 5th, 2025.

Building a "financial fortress" is no longer a luxury—it's a necessity.

climbing out of debt is possible

Credit card rewards generally come in three forms: cash back, points, and miles.

When it comes to tackling debt, I'm a firm believer in the power of strategy.