Once upon a time, it was totally reasonable for middle class kids to expect that they would work for one, maybe two employers, and retire at 65 with a watch and a pension, the end. But in recent years, the economy has shifted towards self-employment and freelance work—the gig economy. The twenty-first century has brought…
Personal Finance Articles
5 Hacks to Improve Your Credit Score
Your credit score is a three-digit number that determines a lot in your financial life. It can make the difference between getting the financing you need for major purchases, like a car or home. It can impact your ability to secure the apartment you want. And, perhaps most importantly, it determines how much actually borrowing…
The Earnings Test: Applying For Social Security Before Full Retirement Age
If your planning on taking your social security benefits before full retirement age and plan on continuing to work you will want to make yourself aware of the earnings test. The earnings test is only applied before full retirement age The earnings test reveals the amount you can earn each year prior to full retirement…
The financial pros & cons of getting married
“I do,” – one of the shortest, simplest, most life-changing, sentences you will ever say. Not only do you have to get used to the idiosyncrasies of living with another person who will invariably do things differently than you are accustomed to—such as leaving dirty socks in places other than the laundry room, drinking milk…
Top 5 Money Tips for Millennial Women
The financial needs of Millennial women are much different than the financial needs of their mothers and grandmothers. While the basic principles of finance remain the same, the path to reaching financial goals and navigating through a weaker economy than our country has seen in decades – millennial women face a completely different set of…
What Millennials Need to Know About Good & Bad Debt
It’s not often that people talk about debt as something good to have. Most of the time when people mention debt, they refer to credit card balances, student loans that feel stifling, or a car payment that might be eating up too much of the household budget. Each of those types of debts does create…
Why So Many People Want to Avoid Probate
We hear so much about the importance of estate planning and avoiding probate, but very little about the details of why and how. Why is estate planning important? What is probate, anyway? What’s so bad about probate, and how can estate planning help avoid probate? What is probate? Probate is simply the legal process of…
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