19 Financial Goals You’re Probably Not Setting (But Should Be)
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19 Financial Goals You’re Probably Not Setting (But Should Be)

Setting goals sounds nice. But most people treat it like a New Year’s resolution, something they talk about and never follow through. That’s why they stay broke, burned out, or both. Many people stay stuck not because they lack money, but because they never get clear or consistent. You’re not most people. You’re here, reading…

18 Home Hacks That Help You Keep More of Your Money
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18 Home Hacks That Help You Keep More of Your Money

Saving money at home doesn’t have to mean cutting corners. The real win is finding simple upgrades that give back time, cash, and sanity without turning life into a DIY marathon. Most people just need a better plan, not more effort. Recent studies show energy-efficient improvements can lower household consumption by 20% to 30%, and…

12 Big Mistakes Most People Make with Their 401(k)s and How You Can Avoid Them
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12 Big Mistakes Most People Make with Their 401(k)s and How You Can Avoid Them

As a Chartered Financial Analyst (CFA) with over 20 years of experience in finance, including managing Investment Risk and Investment Product Teams, I’ve seen countless individuals make costly mistakes with their 401(k) plans. A 401(k) is a powerful tool for building retirement wealth, but many people fail to optimize its potential. Below, I’ll outline some…

22 Clear Signs Someone Has Reached UPPER Middle Class
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22 Clear Signs Someone Has Reached UPPER Middle Class

Figuring out where you stand in the financial world isn’t always straightforward. There’s rich, there’s middle class, and then there’s the upper middle class: a comfortable spot where money works for you, but it’s not unlimited. According to a report titled “The Growing Size and Incomes of the Upper Middle Class,” this group has more…

Practical Splurges: 20 Things That Are Worth the Price
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Practical Splurges: 20 Things That Are Worth the Price

Comfort doesn’t have to mean waste. Some things feel luxurious not because they’re flashy, but because they make life run smoother, feel better, or just stop falling apart after a few uses. These aren’t status symbols, they’re tools that actually hold up. It’s easy to confuse frugality with cheapness. Cutting costs at the expense of…

Think Raising Kids Is Too Expensive? Not If You Follow These Steps
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Think Raising Kids Is Too Expensive? Not If You Follow These Steps

Raising kids will stretch you, but it doesn’t have to wreck your wallet. I’ve got three of my own, and I can tell you, it’s not the kids that get expensive. It’s the decisions we make around them.  According to national data, families spend approximately $27,000 on education-related costs between preschool and high school. That…

What Poverty Actually Feels Like: 17 Things Poor People Wish You Knew
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What Poverty Actually Feels Like: 17 Things Poor People Wish You Knew

What is it like being poor? Poverty isn’t just struggling to make ends meet. It’s waking up every day knowing that no matter how hard you work, it’ll never be enough. People who have never lived it love to give advice, but they don’t understand what it actually feels like. The U.S. Census Bureau reported…

22 Things Rich People Think Are Totally Normal But Are Not for Most People
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22 Things Rich People Think Are Totally Normal But Are Not for Most People

Rich people live in a different reality. What they see as everyday conveniences are luxuries most people can’t afford. Having things done for them, upgrading whenever they feel like it, and never worrying about price tags isn’t normal, it’s a privilege. Numbers don’t lie. In early 2024, the top 10% of American households controlled 67%…

27 Real Reasons Why Boomers Refuse To Pass Down Their Trillions
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27 Real Reasons Why Boomers Refuse To Pass Down Their Trillions

Inheritance used to feel like a sure thing. Parents worked, saved, and left something behind. Maybe it’s a house, an investment account, or even just enough to clear a few bills. After all, Boomers are one of the wealthiest generations in history.  Turns out, that’s not happening. A lot of Boomers aren’t planning to leave…

23 Jobs No One Wants Anymore, So Retirees Are Going Back To Work
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23 Jobs No One Wants Anymore, So Retirees Are Going Back To Work

Retirees aren’t just sitting on the sidelines anymore. Some miss the routine, some want extra cash, and others are just plain bored. Jobs that younger workers are ditching are wide open, and plenty of retirees are stepping in to fill the gaps. A recent survey shows that 13% of retired seniors plan to re-enter the…

Living on One Paycheck? 23 Tips That Make It Easier
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Living on One Paycheck? 23 Tips That Make It Easier

Trying to make a single income stretch in this economy feels like playing defense with no backup. Every bill hits harder and every choice matters more. But if you’re willing to run lean and think sharp, you can still build a life that works. Roughly 30% of households in the United States are getting it…

Boomers Are Struggling To Retire: 23 Reasons Many Are Working Longer
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Boomers Are Struggling To Retire: 23 Reasons Many Are Working Longer

Retirement at 65 used to be a given. Work hard, save a little, then kick back and enjoy the golden years. That version of retirement is long gone. These days, more people are working into their seventies, not because they want to, but because they have no choice. A 2024 Equitable Survey found that 47%…

23 Flexible Jobs You Can Do Anywhere (That Actually Pay Well)
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23 Flexible Jobs You Can Do Anywhere (That Actually Pay Well)

There are flexible jobs that pay surprisingly well, if you know where to look, and you can do them from just about anywhere. Some don’t even require experience or a degree. If you’re tired of clocking in, this might be what finally gives you your time back. According to the Bureau of Labor Statistics, the…

An Actual Early Retiree’s Take on Dave Ramsey’s Blueprint To Early Retirement 
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An Actual Early Retiree’s Take on Dave Ramsey’s Blueprint To Early Retirement 

Retiring early is more than just a dream, it’s a reality that many people can achieve with the right plan. If you’re like me, you’ve thought about leaving the 9-to-5 grind before the traditional retirement age.  I am a Chartered Financial Analyst who retired at 42. I can tell you firsthand that reaching financial independence…