by Marcus | Apr 25, 2019 | Blog
This Could Be Us But You Playing In 2019, one in three Americans had nothing saved for retirement. Given one of our most popular posts is How Much You Should Have Saved by Age 35 to Retire Comfortably we will assume our readers are interested in the topic of saving...
by Marcus | Apr 16, 2019 | Blog, FinGoals, Personal Finance
Pictured: Michelle Schroeder-Gardner Related: I Made My First Million, and I’m Still Broke We’re all busy people. Maybe you’re one of those people who came here to make money, not read words. Here are the three quick links: How to Start a BlogMaking Sense...
by Marcus | Apr 10, 2019 | Blog, FinGoals, Personal Finance
According to the most recent Census data, the average person earns nearly $2.7 million over his or her lifetime. Yet, after 40+ years of work most Americans are still financially unprepared for retirement. Unless it’s by choice, I don’t want to work until...
by Marcus | Mar 28, 2019 | Blog
For all the get rich quick schemes and talk of Finance Independence / Retire Early (FIRE), most individuals will make the most consistent income from simply working their same old boring J-O-B. It is your responsibility to know how much salary you should ask for and...
by Marcus | Feb 28, 2019 | Blog, Personal Finance
All Black History Month we highlighted young men and women of color making history in the present. Just in time for America Saves Week, Monday February 25 – March 3, 2019, we introduce you to Marsha Barnes. She is the founder behind The Finance Bar and a...
by Marcus | Feb 26, 2019 | Blog
This week we’re joined by Leslie H. Tayne, Esq. Leslie is an attorney, debt therapist, and author of Life and Debt: A Fresh Approach to Achieving Financial Wellness. She originally joined us for our most popular episode introduction ever and to talk about how to Learn...
by Marcus | Feb 21, 2019 | Blog, Personal Finance
We met Sonia Lewis, aka The Student Loan Doctor, in sunny Florida while attending FinCon18. For someone with 38,000 followers (and counting) on the Gram and a resume including accolades from the Steve Harvey Morning Show, The Shade Room, BET, The Ricky Smiley Show and...
by Marcus | Feb 14, 2019 | Blog, Personal Finance
This Black History Month we’re highlighting young men and women of color making history in the present. Enter the motivational couple behind Pennies to Wealth, DJ and Dannie. At one point they owed more than $90,000 in student loans, credit cards, and other debt....
by Marcus | Jan 29, 2019 | Blog
If you ever want to start a fight on the internet randomly ask the public audience, “is it better to rent or buy?” then sit back and enjoy yourself. Things will escalate quickly. At the end of the day it’s all down to personal preference and...
by Marcus | Jan 22, 2019 | Blog
Advertiser Disclosure In January 2019, JPMorgan Chase hosted the second annual National Savings Month. The National Savings Movement started as an effort to support employees, customers, and millennials along their journey to financial fitness. Moderated by Keosha...
by Marcus | Jan 15, 2019 | Blog, Personal Finance
The next industry Millennials “destroy” is ourselves and the burnout will be televised. According to an annual Deloitte Survey, almost half of Millennials are unhappy at their current job and plan to quit/switch to nontraditional work within their career....
by Marcus | Jan 8, 2019 | Blog
I joined Pure Financial’s Your Money, Your Wealth with Alan Clopine, CPA, AIF and Andi Last, Media Manager, to discuss 4 Simple Ways to Keep Your New Year’s Resolutions using strategies that helped me break down my financial goals into manageable pieces as I achieved...
by Marcus | Dec 31, 2018 | Blog
If you want objective information from people who are informed on the subjects they’re writing about, we recommend these newsletters as a great way to quickly get information on personal finance, money and debt management, investing and more delivered directly...
by Marcus | Dec 25, 2018 | Blog
Our goal at Paychecks and Balances is to help Millennials make money, save money, and get out of debt. We had another great year including several interviews with informative guests and subject matter experts in personal finance, investing, and money management and...
by Marcus | Dec 18, 2018 | Blog, Personal Finance
If you want to learn more about personal finance, money management, investing, and debt reduction these are the experts you should immediately follow. View all of our feature guests here, or drop your other money faves for the community and the culture in the comments...
by Marcus | Dec 11, 2018 | Blog, Money
In my behind-the-scenes interview with YahooFinance: 4 Tips to Increase Your Salary — thank you to the CBS News Pannel and former guest Jeanie Anh (PB81: Don’t Leave Money on the Table ft. Jeanie Ahn) — I was asked to share seven tips that helped increase my salary...
by Marcus | Dec 4, 2018 | Blog, FinGoals
When it comes to debt management, you don’t have to go big to go home. In fact, starting a small debt snowball might be the key to your success. According to an analysis by Chase Bank, on a credit card balance of $2,000 “just by sending an extra $10 for a total...
by Marcus | Nov 27, 2018 | Blog
When do you reach financial independence? It depends on your financial goals, but below is a quick breakdown of the movement, its pros, cons, and why similar to democracy, FIRE may be the best worst form of financial independence to pursue, except for all of the...
by Marcus | Nov 20, 2018 | Blog
Advertiser Disclosure Rich and I finally got (broke?) into the 800 FICO Credit Score Club! It took a lot of hard work and research. We researched anything we could to help us get more information to help us. We also found out a load of not so relevant stuff like how...
by Marcus | Nov 13, 2018 | Blog, Guests
In our humble opinions, we joined Mandi Woodroof (PB46: Magnify Your Money ft. Mandi Woodruff) and Tiffany “The Budgetnista” Aliche (From $300,000 in Debt to The Live Richer Academy ft. The Budgetnista – PB102) for the greatest podcast crossover of the...
by Marcus | Jun 12, 2018 | AskPB, Blog
Marcus joins CBS News host Tanya Rivero to discuss his book, Debt Free or Die Trying, and how to rebuild your credit for CBSN ‘Eye on Money’ series. Check out the video below or click here. References Mentioned by Marcus on This Show 4-Step Plan for...
by Marcus | Apr 11, 2018 | Blog
Color Full Lives is hosted by Angela Yee (@angelayee of The Breakfast Club and Lip Service) and Aminatou Sow (@aminatou of Call Your Girlfriend). The show is sponsored by State Farm® and Loud Speakers Network. The hosts’ real talk on personal finance and candid...
by Marcus | Apr 9, 2018 | Blog
Paychecks & Balances is a fun and informative podcast covering work and money for rising professionals with hosts Rich @IamRichJones and Marcus @THEMarcusGarret. Read more about us here or visit Ask P&B to submit your questions! – Rich & Marcus This...
by Marcus | Apr 9, 2018 | Blog, Personal Finance
Paychecks & Balances is a fun and informative podcast covering work and money for rising professionals with hosts Rich @IamRichJones and Marcus @THEMarcusGarret. Read more about us here or visit Ask P&B to submit your questions! – Rich & Marcus Create a...
by Marcus | Apr 9, 2018 | Blog, Personal Finance
Paychecks & Balances is a fun and informative podcast covering work and money for rising professionals with hosts Rich @IamRichJones and Marcus @THEMarcusGarret. Read more about us here or visit Ask P&B to submit your questions! – Rich & Marcus Start...
by Marcus | Jan 16, 2018 | AskPB, Blog, FinGoals, Personal Finance
On a recent guest feature, we were asked, “can someone really save $1,000,000 on an average salary?” The simple answer: Yes. The harder answer: Is it easy? No. It’s very complicated and will likely take a really long time. There is a big gap between difficult...
by Marcus | Nov 20, 2017 | Blog, FinGoals, Personal Finance
We were fortunate to be invited by CBS News CBSN, a 24-7 streaming video news channel available at cbsnews.com/live, to join a panel of experts to discuss student loans, credit cards, debt management, retirement and much more. Hosted by Vladimir Duthiers...
by Marcus | Nov 2, 2017 | Blog
On August 14, 2016, I released Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. The book tells the good, the bad, the ups and the downs, the mistakes I and others made, and the lessons I and we learned....
by Marcus | Oct 31, 2017 | Blog
On August 14, 2016, I released Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. The book tells the good, the bad, the ups and the downs, the mistakes I and others made, and the lessons I and we learned. Through...
by Marcus | Oct 17, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
by Marcus | Oct 2, 2017 | Blog, Books, Personal Finance
Our reviews of the best personal finance and investment books include the best books to help you get out of debt and get rich, according to the experts, as well as some of our own personal favorites. “I never have time to read,” I told myself all the time....
by Marcus | Sep 26, 2017 | AskPB, Blog
The following question has been edited into a Q&A format. Some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B button!...
by Marcus | Sep 14, 2017 | AskPB, Blog, Personal Finance
The following question has been edited into a Q&A format and some details may have been changed to keep our listener’s information anonymous. Share your support or feedback in the comments. If you have your own question, use the ASK P&B button! This...
by Marcus | Jul 25, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button! Hey...
by Marcus | Jul 11, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button! Hi guys!...
by Marcus | Jun 27, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
by Marcus | Jun 20, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
by Marcus | Jun 13, 2017 | AskPB, Blog, FinGoals, Personal Finance
Many people believe the key to all their budgeting and debt woes is simply to make more money. A 2015 SunTrust survey found almost 1 in 3 respondents making $75,000 per year or more live paycheck to paycheck on occasion and 1 in 4 respondents making over $100,000...
by Marcus | Jun 6, 2017 | AskPB, Blog, Personal Finance
The following questions have been edited into a Q&A format and some details may have been changed to keep our listeners’ information anonymous. Let us know what you think in the comments below, or if you have your own question, use the ASK P&B button!...
by Marcus | Jun 1, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details may have been changed to keep our listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, use the ASK P&B...
by Marcus | May 25, 2017 | AskPB, Blog, Personal Finance
The following question has been edited into a Q&A format and some details may have been changed to keep our listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, use the ASK P&B...
by Marcus | May 18, 2017 | Blog
I realized recently that I’m on pace to spend over 70% of my adult life working a “9 to 5.” I started work at age 16. It was a local movie theater and it is still one of the best jobs I ever had. I made $5.15/hr, and you couldn’t convince me I wasn’t...
by Marcus | May 11, 2017 | AskPB, Blog
The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
by Rich | May 8, 2017 | Blog, Work
I recently read a piece on Time Money titled “Here’s the Cold LinkedIn Message That Prompted a CEO to Give the Sender a Job.” It’s about a guy who essentially got an offer through a LinkedIn message. At least it reads that way. I’m sure...
by Marcus | May 4, 2017 | AskPB, Blog, FinGoals, Money, Personal Finance
The following question has been edited into a Q&A format and some details have been changed to keep the listener’s information anonymous. Let us know what you think in the comments below, or if you have a question that needs answering, click the ASK P&B...
by Marcus | Apr 24, 2017 | AskPB, Blog
We received a great listener question we thought many of our listeners and readers could relate to: should I use my retirement savings to pay off my credit cards? The following question has been edited into a Q&A format and some details have been changed to keep...
by Rich | Apr 19, 2017 | AskPB, Blog, Money
Digit announced that it’d be implementing a $2.99 monthly fee for current and new users after 100 days…and the financial internet went nucking futs. In case you’re unfamiliar with Digit, it’s a formerly free service that hooks to your bank account, analyzes your...
by Marcus | Dec 28, 2016 | Blog
It’s been a while since I said this so I’ll repeat myself: Sticking to a budget sucks. There, I said it. I have a budget. I even spent a lot of time developing my budget like the helicopter parent of a small child, or “fur baby” if you’re a...
by Rich | Nov 28, 2016 | Blog, Money, Work
Did you know you could be losing money every paycheck by not taking advantage of a healthcare benefit? That’s what happens when many of us choose not to opt into our company’s FSA — more affectionately known in the streets as a Flexible Spending...
