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

Not using your days doesn't make you noble; it makes you underpaid. Your employer budgeted for this time—take it. Open the calendar, make the plan, and take the days. You earned them, even if no one taught you how to use them.

HSA vs FSA is one of the most confusing parts of open enrollment—and choosing wrong can cost you thousands.

When Washington shuts down, it’s not just politics that stall — it’s dinner. Government food programs like SNAP, WIC, and school meals keep millions of children and families fed. When that system falters, states, restaurants, and grassroots groups step in to fill the gap — proving that community care is the nation’s most reliable safety net.

I’m a self-proclaimed socialist who spent $1,111.96 on Amazon Prime Day — and I’m not sorry. Half went to bulk essentials, the rest to gifts and replacements. I plan for it all year with organized wishlists and reward points, proving that even socialists can shop strategically. Because sometimes sticking it to the man means timing your purchases to his sales.

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 could use pre-tax dollars for a polluting, traffic-congesting car ride with strangers — but not for a clean, quiet, efficient bike that would get me to work faster, cheaper, and emission-free. That’s not just a policy gap. That’s a disconnect from reality.

Estate planning isn’t just for old or wealthy people. It’s for living people. If you have anything—a checking account, a car, a child, a body—you have something to protect. You don’t write a will because you expect to die. You write it because you’re alive—and you care.

When you’re the “first one to make it,” money takes on a complicated meaning. It’s not just about paying bills or saving for retirement—it’s about pride, sacrifice, love, and sometimes guilt. For many Latinx families, sending money home isn’t optional. But without boundaries, that love can come at the expense of your own financial future.

The 'single tax' is real: solo living often costs more, from housing to travel. Discover why society penalizes singlehood and get your essential playbook for financial freedom. Learn how to build wealth aggressively and thrive financially, whether you're single for now or forever.

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.

We often talk about emotional spending like it’s a personal failure—like you just need more discipline, a stricter budget, or fewer feelings. But what if those impulse purchases weren’t about weakness… and were actually your nervous system trying to self-regulate?

Living on an unpredictable paycheck doesn’t mean your finances have to be chaotic. Whether you're a freelancer, contractor, hourly worker, or gig economy pro, budgeting with irregular income is essential to financial stability. This guide offers smart, actionable tips to help you manage money confidently—even when your hours or earnings vary from week to week.

If you’re using credit cards and not tracking them with a rewards spreadsheet, you’re missing out on hundreds—maybe thousands—of dollars in free travel, cashback, and premium perks. Most cards reward you more in specific spending categories, but if you're swiping blindly, you’re leaving free money on the table. A simple spreadsheet (yes, really) can help you match the right card to the right purchase, automate smarter spending, and unlock serious rewards.

If your teen invests just $12,000 from part-time jobs into a Roth IRA by age 22 — and never adds another dime — it could grow into over $200,000 by retirement. That’s the quiet wealth-building strategy rich families have used for decades.

Even if you’re living paycheck to paycheck, it is possible to save for your child’s future. From free college savings plans to simple budgeting tricks, this guide gives low-income families real, practical ways to build a better financial future—one small step at a time.

Needing quick cash can feel scary, and rushing can lead to big mistakes. Here's a quick rundown on where to look when you're in a bind and in what order, aiming for the least amount of setback for your retirement plan.

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.

Tariffs on foreign goods have created the threat of a massive recession.

My biggest qualm with financial advisors is that the advice seems to be geared toward people who aren't poor to begin with.