## 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 Does Term Life Insurance Work?

Why are all of our most valuable assets insured, except for the ones that you love? This post will explain how term life insurance works and how it can be the most responsible decision you can make for the ones that you provide for. Click to jump to a section: Why Have Term Life Insurance? […]

## Tax-Efficient Investing: Understanding After-Tax Returns with Calculator! (CFA Level 3)

Understanding the concept of pre-tax and after-tax investment income is an imperative part of the financial planning roadmap. It is the net after-tax return that adds to your retirement savings, so it is important to plan your long-term investment returns and financial plan based on these real after-tax dollars. This article will teach investors about […]

## The Continuous Compound Interest Formula Excel Function for (Us) Nerds

Ever wanted to illustrate exactly how powerful compound interest can be? Wanted to have an Excel function to do it for you? This post reveals the continuous compound interest formula and how a function built into Excel will calculate it for you. Click to jump to a section: Why is Compounding Important? “Compound Interest is […]

## Your Credit Score: Where It Starts and How to Raise It

A person’s credit score can majorly impact big financial purchases in someone’s life. This post discusses common questions about credit, such as: What is credit? What does your credit score start at? What can you do to raise it? Let’s get started. Click to jump to a section: What is Credit? If you had asked […]

## Tax-Efficient Investing: Understanding Tax Types and Investment Accounts (CFA Level 3)

Understanding the concept of pre-tax and post-tax investment income is an imperative part of the investing and financial planning roadmap. Different assets (ie. stocks, bonds, REITs) have different types of income that will be taxed in different ways from annual taxes, to deferred taxes, to wealth taxes. The difference in after-tax income adds up to […]

## Handy Andy’s Lessons – How to Save Money WITH Credit Cards

Welcome back to the second of the most anticipated series of all time, HANDY ANDY’S LESSONS! In the first episode of Handy Andy’s Lessons, we talked about starting a dividend portfolio, but now we’re here with a personal finance subject – how to save money WITH credit cards! Click to jump to a section: I know […]

## Average 401K Return: What to Expect from your 401K

A 401K is a powerful investment account, but what is the average 401K return? Let’s cover this return and how you should invest to maximize it.

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