Financial Literacy Blog

July 11, 2019
by Michael

How Much to Save for College?

Our approach is a) college savings is a monthly budget item, b) our kids will be aware of two cost savings routes that make a degree 25% cheaper.

Family and Finances, Budgeting

July 11, 2019
by Michael

How Much to Save for College?

Our approach is a) college savings is a monthly budget item, b) our kids will be aware of two cost savings routes that make a degree 25% cheaper.

Family and Finances, Budgeting

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July 5, 2019
by Ashley Chorpenning

Why Home Ownership Is No Longer the American Dream

One of the components of the American Dream has always been owning a home. Yet, over the years, the American Dream has transformed and home ownership rates are well below their 2004 high.

Homes and Real Estate

June 28, 2019
by Michael

Is Lump Sum Versus Dollar Cost Averaging Better?

Let’s say you have $12,000 cash to invest in the markets. What is the best way to deploy that money - all at once or spread out over time? It depends on your risk tolerance. ...

Financial Literacy

June 14, 2019
by Emily

How Asset Allocation Is Related to Net Worth and Risk

Do you know what your net worth is, where it is allocated, and how much risk you are carrying? This post shows how three families with very different asset allocations fare over a five year ...

Financial Literacy, Net Worth

June 5, 2019
by Michael

Home Improvements That Give a Return on Investment

If you want to add value to your property, here are a few renovations that will help you increase your bottom line, both for resale value and when staying put.

Homes and Real Estate

May 28, 2019
by Steven Gilbert

How to Become A Lawyer Without Debt

Did you know you can become a lawyer in the United States without going to law school (and without suffering under a mountain of debt)?

Personal Finance

May 18, 2019
by Ashley Chorpenning

5 Ways Your Social Circle May Be Costing You a Secure Financial Future

It may be hard to notice at first, but your friends may be costing you a secure financial future. In order to avoid the potential negative influence of our friends, here are 5 trends you ...

Personal Finance

May 7, 2019
by Ashley Chorpenning

Negotiation Tactics That Can Boost Your Financial Security

Do you lack negotiation skills and assertiveness? If so then car dealerships, employers and loan sharks want to work with you! You are leaving money on the table and lining their pockets by not sharpening ...

Financial Literacy

April 23, 2019
by Ashley Chorpenning

Six Financial Moves You Need to Make Once You Tie the Knot

First comes love, then comes marriage, then comes talking about your finances? That’s right. Now that you’re married, finances will play a major role in your daily lives. Here are 6 financial moves you need ...

Family and Finances

April 5, 2019
by Michael

Will Social Security Run Out of Money? Graphs and Stats Here

Many Americans are doubtful of ever getting their Social Security benefits. They have good reason to be worried. The system is already running a deficit and is on schedule to be depleted in 2034. We ...

Family and Finances, Risk Reduction

March 25, 2019
by Emily

Trying to Time the Stock Market Is Like Gambling

You’ve heard the advice: buy low and sell high. Easier said than done. Our brains are designed to fall for the idea of timing the market. We break it down and outline better approaches.

Financial Literacy, Risk Reduction

March 19, 2019
by Michael

Are Flexible Spending Accounts Killing Your Retirement Benefits?

Flexible spending accounts give you a tax break in the short term but come with some drawbacks, including the fact that they reduce your social security benefits. We ran the numbers and went in depth ...

Personal Finance

March 5, 2019
by Emily

Working with Your Spouse to Develop a Budget

In a relationship it is easy to get into arguments over budgets and spending. Especially personal spending your partner doesn't see the value of. Here are some tips to keep in mind as you work ...

Family and Finances, Budgeting