If you’re feeling the pinch of higher costs when carrying a credit card balance, you’re not alone. Credit card rates are at historic highs, making it more expensive than ever to not pay your credit card in full each month. Read more…
Figuring out how many credit cards to have can feel overwhelming, especially when you’re just starting your credit journey. Your ideal number depends on your financial goals, spending habits, and comfort managing multiple accounts. Maybe you’re after best cash-back rewards, Read more…
Earning a six-figure salary might sound like guaranteed financial comfort, but that isn’t always the case. Meet the HENRYs: High Earners, Not Rich Yet. These individuals or families typically earn between $100k-$500k yet still feel financial pressure. Why? Rising living Read more…
Starting a new job is exciting—a new paycheck, new people, and new opportunities. But in the whirlwind of change, it’s easy to forget something crucial: our retirement savings. According to a Vanguard study, many job switchers lower their retirement savings, Read more…
When I first started working, I didn’t think too much about my 401(k), but I’m so glad I enrolled right away—it made a huge difference. That retirement money has the most time to grow, thanks to compound interest. If your Read more…
If you’re fresh out of school, I know firsthand how stressful it can be to face student loans. I’ve been there—dealing with both federal and private loans—and I’ve found a few things that helped me pay mine off faster. The Read more…
It seems like every few months we hear about another company data breach leaking our personal information. Identity theft is on the rise, and freezing your credit is one of the simplest ways to protect yourself. While it might seem Read more…
When it comes to planning for retirement, you might have heard about it but not know much about how and when to start saving for it. Retirement planning means putting money aside now so you can live comfortably later in Read more…
When I first started budgeting, I felt overwhelmed by all the choices. I knew budgeting was important because I wanted to be responsible with my money, avoid debt, and build good habits from the start. Like many, I wanted to Read more…
Growing up, I remember hearing about families who didn’t trust banks or have access to them. It wasn’t until I started learning more about personal finance that I realized how common this experience is, especially for many in the Hispanic Read more…