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.

Beneath the veneer of pronatalism, a closer look reveals a potential agenda rooted in eugenics and control, prioritizing population numbers over individual autonomy and societal equity. This isn't about national prosperity; it feels like a step towards a dystopian future where control trumps care.

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

Investing doesn’t have to be synonymous with fear.

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

The number required for you to reach FI is personal. It's about achieving a level of financial security tailored to your lifestyle.

Medical emergencies, unexpected deaths, job losses, home catastrophes – the list of potential financial setbacks is long and daunting.

Social Security has struggled to maintain long-term solvency

Let’s take it way back to 1865.

Having established that credit cards are a good tool for building credit, it is important to note that banks are businesses and aim to maximize profit, and some of their practices can be detrimental to consumers. They do this in a number of ways, and they're not overtly transparent about them, naturally. Many practices are disclosed, though often in fine print or complex language, making them relatively inaccessible. While this may ensure their financial success as a bank, it

The neighborhood you grow up in can significantly impact your future earnings.

Latinx individuals are often underrepresented in discussions about financial independence and wealth-building.