Losing your job or getting your hours cut at work can feel like a punch to the gut—followed by a million panicky thoughts about what you’ll do now. And especially what you’ll do without your health insurance benefit! It’s okay. Plenty of people go through this and you’ll be just…
We know nobody’s talking about rising health care costs because it’s super affordable right now and nobody’s struggling at all. (That . . . is sarcasm.) But we thought we’d address it anyway—specifically, how to save on health care. You know, just in case you felt like saving money sometime.…
Trying to sort through all of your retirement account options can be a daunting task. You start hearing terms like 401(k) and 403(b) and IRA and all of a sudden you feel like you’re drowning in an alphabet soup of random numbers and letters all mashed together. Look, we hear you! It’s a lot to process. But…
You know that feeling you get when you find $20 in your pocket? Imagine finding $500! And if you can find that kind of money without cutting the budget, that’s even better, right? So, what’s the trick? It’s quick and easy—all you have to do is take a look at…
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Sometimes, renting is a much better option than buying a house. Yep, it’s true! When you’re just starting out after leaving your parents’ house, working hard to get out of debt, or newly married, renting is a great idea. And renters are definitely in good…
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In her half-century on earth, Torry Holmesly has been subjected to neglect, violence, eviction and homelessness. So, if you ask her about what…
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Tired of watching your cell phone bill creep up on you? The bad news is, you can’t exactly go without a phone plan these days if you live in society. The good news? You don’t need to go broke to stay connected. Let’s break down the best cheap cell phone…
Ever ask yourself, How much should I tip the barista for that Cinnamon Toast Crunchuccino? What about the pizza guy? Or your barber or hair stylist? You’re not alone! Tipping can be pretty awkward (and filled with guilt). We’ve all experienced that fight-or-flight moment when the iPad of doom flips…
Over the past couple of decades, researchers have repeatedly found direct links between loneliness and physical and psychological problems that are literally killing us—like heart disease and mental illnesses.1 Loneliness can cripple us physically, unwind us mentally, and make it difficult to be spiritually whole. Here’s an uncomfortable truth: We’re…
What if you had access to a turbo boost with the power to turn your business into a booming success story? You do! It’s a process every successful company uses to gain momentum—strategic planning. If that sounds like a lot of crunching numbers and analyzing trends, you’re right. But that’s…
Home improvements can make your home more comfortable, raise its value and lower energy costs over time. Some projects may also qualify for tax credits or deductions. These tax breaks can reduce what you owe when you file your taxes. In other cases, the cost of improvements can increase your…
If you need to withdraw $10,000 each month from a $1 million portfolio, that’s a 12% annual withdrawal rate. Sustaining this rate over a long retirement could increase the risk of depleting your savings. However, the gap between your spending goal and what your portfolio can support isn’t necessarily a…
Money’s tight for just about everybody right now (thanks, inflation). As you look for ways to cut costs, you’re probably wondering, Is everyone spending this much on food and housing? What are the average monthly expenses? Well, here’s what we do know: The average monthly expenses for an American household total…
Missing a tax filing deadline can feel like a minor slip, but the financial consequences can snowball quickly. The IRS imposes strict penalties on taxpayers who fail to file on time, and those penalties grow with every month that passes without action. Knowing how these penalties work, whether you owe…
You took a $100,000 distribution by check from your 401(k) and are now wondering if the IRS will penalize you. The answer depends on whether you completed the rollover correctly. A check isn’t necessarily problematic, but missing this deadline could cost you roughly $34,000 in taxes and a penalty.The 60-Day…
Look at you! You’re either kicking butt as your own boss or you’re killing it as an employee of a small business. In either role, you’re the backbone of the American economy. So, you’ve got your business plan in place and you know where you’re headed—but what about your retirement…
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