When to Buy an Electric Car: The Simple Checklist I Used for My New EV
Last Updated: May 29, 2026 | Reading Time: 10 minutes You’ve wanted an electric car for years. You’re a stable earner—solid engineering job, growing retirement accounts—and you just bought a home. Now you’re asking the question that keeps you awake: Can I finally afford this? Evan Raidt’s answer: Maybe. But probably not yet. Here’s his story. Right after college, […]
Advantages of a Personal Loan: One of the Most Flexible Tools in Finance
You might think that getting a bank loan requires putting up your house or car as collateral, but there is a flexible alternative that many people overlook. In a world where financial opportunities move fast, having access to quick capital can be the difference between starting a business and missing out on a deal. Most […]
AAR25 – How to Make Smart Purchasing Decisions
You can download Evan’s free monthly budgeting spreadsheet here: https://einvestingforbeginners.com/budget/ In this episode of At Any Rate, Evan Raidt and Andrew Sather dig into how to make smart spending decisions without living like a hermit or constantly feeling guilty every time you buy something. They push back on the extreme “never spend money” advice that […]
Debit vs. Credit Cards: Pros and Cons
It can be confusing to know whether to use a debit or credit card in certain situations. This post covers the pros and cons of each.
5 Debt Solutions for the Average Person that Don’t Cost Money
Somebody in debt is the last person who should be spending more money to try and get out of it. Having been there and done that, this post covers 5 great debt solutions to get out of debt that don’t cost a dime. Having debt is extremely costly. I honestly cannot think of something that is […]
A Convenient ‘Rule of 72’ Calculator to Help Investors Plan for Retirement
The Rule of 72 formula is a quick way to quantify how your investment return builds your wealth over time. You can use this to track your progress to retirement, and ease the process by using the free downloadable Rule of 72 calculator in Excel. What is the Rule of 72? The Rule of 72 […]
How Investing Early Changes Lives: Compelling Data
Everyone knows that investing early can dramatically change your future. But how much can it actually change? The answer is a lot. Click to jump to a section: Misconception About Investing I know a lot of people that don’t think they need to invest now. I frequently hear people say that they’re going to spend their 20s […]
Quotes from 11 Billionaire Investors about Debt and Finance
There’s no better place to look for financial advice than from the winners of the game. While leverage (debt) can be perceived as a useful tool, you may be surprised at what billionaires think about it. The advice may seem so uncommon, and yet their results are so uncommon. Is it good fortune that created […]
Optimizing Home Savings with the Right Down Payment Options
Have you started your home savings account and aren’t sure what to do with the funds? Do you feel like you’re not doing enough with that down payment fund and wonder what move is best? With the current market, a down payment can be as much as a year’s salary. This post is a story […]
The Dave Ramsey Plan (Snowball) vs. the Debt Avalanche Method
For people trying to take control of their money and get out of debt, the Dave Ramsey plan is a very popular way to finally get results with your personal finances. There are debates on whether the Debt Snowball method, made popular by Dave Ramsey, is the best way to do it. This post will […]
