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Musings on personal finance and more...

Why you don’t matter in this economy

With most people contributing less to the economy, there becomes less incentive to help those people out, which won't end well for anyone. … Read More

1,000 blog posts: A reflection

This is the 1,000th blog post I've published on this site. At this milestone, I look back and reflect on where I started and what's to come. … Read More

There is nothing wrong with spending money

Some think that becoming better with money means that they shouldn't spend, but that's wrong. Spending money can be enjoyable and that's okay! … Read More

Why you’re wasting your travel points and miles

It’s easy to collect travel points and miles, but if you don’t redeem them correctly, all that time, energy, and money is wasted. If you use a credit card for your everyday spend, you are likely to spend more than … Read More … Read More

Too much credit? How inequality extends to credit limits

Some people have a way higher credit limit than they need, while others who could use it do not. This can exacerbate financial inequality. … Read More

Is the debit card coming back in style?

Recent trends have shown that debit cards may be starting to become more fashionable, and perhaps favored over credit cards. The first time I got a real debit card (and not an ATM card) was in college. The bank had … Read More … Read More

A “free” mutual fund? The race to lower costs

Mutual funds have been lowering their fees for years, and Fidelity has overtaken Vanguard with their line of funds with zero fees. I’ve been a fan of Vanguard for a long time. They have always been focused on lowering prices … Read More … Read More

What to remember when giving money to friends or family

Giving money can and should be a blessing, but it can turn into a nightmare if you're not honest with yourself or if you can't let it go. … Read More

Can you withdraw money early from your 401(k) or IRA?

Many people don't know that you can make early withdrawals from your retirement accounts like your 401(k) and IRA. But should you? … Read More

Should you contribute to a Traditional IRA or Roth IRA?

There are two types of IRAs (Individual Retirement Arrangements): Traditional and Roth. Which one is right for you? … Read More

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