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Bumper Sticker Financial Advice
Bumper stickers are an interesting way to convey an idea. They aren’t very big, so the message must be small. They tend to be ignored, so the message must be clever. You can’t ask the person driving...
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Where To Get Free Checking
If you know anything at all about personal finance, you know that big banks are financial institutions for big suckers. Right now, with interest rates at, a little bit over zero, everywhere, it isn’t...
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Youth Accounts at Banks
Banks have long offered various types of checking accounts and savings accounts. Some of these accounts are actually fully developed products that are different from other offerings. Others are merely...
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Types of College Savings Accounts
When it comes to saving money for college, there are a lot of options. A parents saving money for children’s college fund there are different ways to title those accounts, jointly or otherwise. Believe...
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Saving Money Into 529 Plan
OK, if you have already opened a 529 plan, and you have chosen which investments to use in your 529 plan, then the next step is to actually start getting money into your college savings account. And,...
View ArticleBest Online Bank Rates
OK, I get asked all the time about where to get the best rates for a savings account. First off, you want a money market account, not a savings account. Money market accounts pay better rates in...
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Digit Review Scam Legit or Necessary?
Digit is an automated savings service. As always, my first question is Is Digit a Scam? Then, if Digit is legitimate, the question is what exactly does this online financial service do, and is Digit...
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Acorns Review Automated Investing Made Easy?
No sooner than had I finished my Digit review, than I saw an ad for another automated savings app on Facebook that takes a different tack for building up your savings automatically with the help of an...
View ArticleWhen Can I Spend My Emergency Fund?
Most professional financial advisors, and most non-professional know-it-alls as well, say that you should keep three to six months worth of expenses in an emergency fund for, well… emergencies. They...
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Budgeting Extra Money vs Extra Income
As a former financial planner in Denver, I get involved in a lot of interesting personal finance discussions. Recently, a writing colleague was remarking on the difference between getting money one...
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How To Start Retirement Savings
One of the things that comes up in financial planning is that getting all of the information and facts can be difficult. This, all too often, leads to financial paralysis where you don’t end up doing...
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Use Accounts to Save and Budget
I talk a lot about the psychology of money. The reality is that no matter how much something makes sense mathematically, it just may not work for most people because money isn’t just something we move...
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Personal Finance Index Card Advice
Back in 2013 on a show, a professor named Harold Pollack made the suggestion that everything the average person actually needed to know about personal finance could fit on an index card. He “proved”...
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Keep the Change Automatic Savings Program Review
As a former Certified Financial Planner, I can tell you that from a financial advisor standpoint, nothing is better than automatic. Automatic savings, automatic investing, automatic 401k, automatic...
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Save For Retirement Not Early
Almost every article on saving for retirement makes a huge deal out of starting early. “Look! You if you start saving when you are 20 and then quit when you are 30, you’ll have more than if you start...
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myRA IRA Review – Safe and Legit
No matter how helpful the government could potentially be to its citizens, it typically won’t/can’t get involved in finance because there are huge lobbying dollars behind financial services companies....
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Round-Up Savings Plans
Savings is really easy. You just spend less than you have, and voila! Savings! Of course, talking about it, and doing it, are two different things. Recently, there have been several new products that...
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Budgeting Extra Money vs Extra Income
As a former financial planner in Denver, I get involved in a lot of interesting personal finance discussions. Recently, a writing colleague was remarking on the difference between getting money one...
View ArticleClik here to view.
How To Start Retirement Savings
One of the things that comes up in financial planning is that getting all of the information and facts can be difficult. This, all too often, leads to financial paralysis where you don’t end up doing...
View ArticleClik here to view.
Use Accounts to Save and Budget
I talk a lot about the psychology of money. The reality is that no matter how much something makes sense mathematically, it just may not work for most people because money isn’t just something we move...
View Article