Why “The American Dream” is actually a nightmare
Not only is the philosophy behind “The American Dream” misleading, but it’s also dangerous. It ignores the economic disparities faced by most Americans due to discriminatory ideologies like racism and sexism. But what is “The American Dream?” In short, it’s the idea...
Don’t Spend Less to Save More (Do this Instead)
Your savings aren’t growing, but you can’t afford to increase the percent you contribute each month. The solution is to spend less money in other areas of your life, right? Wrong. The notion that we have to subdue our quality of life for financial freedom is...
How I negotiated my rent down and saved over $100/month
Ever wondered if it’s possible to negotiate your monthly rent down? I’m here to tell you that it is indeed a thing, and it can happen in different ways! Let me tell you my story. A few months ago, I received my lease renewal paperwork. Even with the...
This Teacher Turned Investment Expert Shares How She Makes $1,000 a Day
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Teri Ijeoma’s origin story is like many of ours. You know the one. The mild-mannered employee goes into a toxic work environment only to eek out a paycheck-to-paycheck...
How I Buried Myself $30,000 in Debt and Dug My Way Out
I originally released my book “Debt Free or Die Trying” in 2016. The revised book is better organized (thanks to my editor), contains 40-pages of new material, three completely new chapters, and my 4-step road map to improve your credit score while...
Let’s have some real talk.
P&B Family, I can’t open this by saying “hope all is well” while knowing it isn’t for so many of us. Being real, neither Marcus or I are in good spirits right now. There are no interesting reads or random tidbits for this week. We...
The Best 50/30/20 Budget Calculators
It’s difficult deciding, “which is the best budget type?” Because the answer is: there is no right answer. The best budget is the budget that works for you. We looked into the best budget calculators (for free online) for you. As I shared with Nerd...
Key Person of Influence: How to Implement the 5P System
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! After completing that personal goal, I started reading more ‘good...
The Best Money Books
In 2016, I released my own money book, Debt Free or Die Trying: How I Buried Myself in Over $30,000 in Debt and Dug My Way Out by Age 30. To improve the Second Edition: D.E.B.T. Free or Die Trying, I read the 15 best money books. When it comes to financial literacy,...
The Best African American Financial Advice Books
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Here are eight African American financial advice books written by men and women dedicated to expanding financial literacy in the black community. Our voices should be...
The Perfect Portfolio ft. Kevin Matthews, Financial Expert
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Kevin L. Matthews II was named one of the Top 100 Most Influential Financial Advisors by Investopedia. He is a Certified Financial Planner, bestselling author, and former...
Investing Made Easy with “Trade Your 9 to 5”
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Tela Holcomb joined Rich Jones and The Marcus Garrett on Episode 88 to talk Investing Made Easy. Tela is a mom, wife, and stock and options trader who focused on spending more...
Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear (Review)
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! Having completed that personal goal, I’m able to read more...
Maybe You Should Talk to Someone
You are not lost. We are a personal finance business. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to. However, money is as much the mastery of mind over money as it is money over math. Therefore, as hosts,...
5 Reasons to Raise Your Credit Score: A Bad Credit Score Cost You Over Six Figures
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. CBS News reports improving a bad credit score from “fair” to “very good” can save over $56,000. Someone with a 580 to 669 credit score range, for...
The Behavioral Investor by Dr. Daniel Crosby
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. We read and reviewed the 15 best investment and money books (according to the experts) so you don’t have to! Typically, my reviews are first-person narrative. I am an artist...
Hey Berna: Your Financial Hype Woman
Berna Anat, or @HeyBerna to her over 20,000 followers, describes herself as, “The financial world desperately needs a hype woman, and I have more than enough energy, hair, and #debtfree-vibes to do the job.” We originally met at FinCon: Where Money and...
A Bad Tax Plan Is More Costly than a Bad Investment Plan ft. Rick Ferri, CFA
OMFG, THE STOCK MARKET IS DOWN!!! OMG, THE STOCK MARKET IS UP!!! I’m just covering all my bases so this post will be relevant no matter when you read it. If you already read my review of A Random Walk Down Wall Street, Irrational Exuberance, or The Intelligent...
From $5.15 an Hour to $515 an Hour
“The key to overnight success is the first 10 years.” I’m not sure where this quote originates from. I first heard it repeated from a friend of a friend that I met while speaking at Chase Bank in New York City for National Savings Month. The quote...
5 Money Moves to Make Outside of Your Pension Plan
I had an opportunity to speak at The Association of Government Accountants (AGA). The topic, as you may have guessed, covered Money Moves Outside of Your Pension Plan. I tried to cram 10-years worth of mistakes and lessons learned into a 45-minute discussion. The...
Free Net Worth Calculator: Easily Compare Your Household Wealth to Your Age Group
There are levels to this personal finance game. After getting out of debt, which you should take sufficient and ample time to CELEBRATE, it is only natural to start wondering what’s next on the financial progress ladder. Once you’ve zeroed out your debt...
The Intelligent Investor
“This book will not tell you how to beat the market. No truthful book can.“ We read the 15 best Personal Finance books (according to the experts) so you don’t have to! The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham...
Rich 50 is Middle Class 38
While merely a two-second quip on 30 Rock, this quote has haunted my subconscious for years. This poetic (or offensive?) musing was made by Jack Donaghy. If you are unfamiliar with the name, Mr. Donaghy is a fictional character and protagonist of Liz Lemon (also a...
14 Personal Finance Newsletters that Will Save You Time and Money
Email Newsletters are a great way to maximize your time and money! One of our most popular posts was Subscribe to These Top 10 Personal Finance NewsLetters to Get Your Paychecks Up and Balances Down. Unfortunately, some of the original creators have moved on to other...
10 Best Money, Work, and Investment Blogs – 2019
Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year for the blog, including winning the Plutus Award for Best Millennial or Gen Z Blog! We also received several additional media features, like CBS...
10 Best Money, Work, and Investment Podcasts – 2019
Ready to Turn Your Finances Around? Join our Newsletter! Paychecks and Balances helps working professionals make money, save money, and get out of debt. 2019 was a very good year, including nominations for Podcast of the Year. Thanks again to our awesome guests for...
How to Create a Financial Independence Plan, A Step-By-Step Guide
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. There is a growing interest in financial independence. But, where do you start? How do you define your retirement number? And, how do you actually reach your financial goals...
These SEO Tips for Personal Finance Grew Our Blog From 0 to 17,000 in One Week
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. Below are the SEO (search engine optimization) tips I read and implemented based on the expert’s advice. A few simple changes allowed my non-expert self to grow another...
35 Voices in Personal Finance You Should Follow
Paychecks & Balances was invited to a double-secret VIP probation event for financial influencers. Like all events that happen during the digital age, if it didn’t happen on the Gram did it really happen? Therefore, The Event (coincidentally?) showed up all over...
What Happens to Your Debt After Death?
Seventy three percent of student loan borrowers don’t know what happens to their debt if they die. In the best of times talking about debt and personal finances is hard even with your own parents (How to Talk About Money and Debt with Your Parents When The...
10 Excuses Why Financial Independence Does Not Work
It is time for another financial confession this National Financial Planning Month. I confess that Financial Independence (FI) is not for everyone. Actually, if they ever start, most people will fail. The personal finance community likes to preach that FI is for...
Why A Self-Directed 401k Is a Great Money Move for Entrepreneurs and Contractors
This week’s AskPB was submitted on Twitter. You can view all our AskPB responses by clicking here. Lawrence Gonzalez is an accountant who developed his own personal finance system that allowed him to pay off over $116,000 in debt in 4 years. Like many of our personal...
Three Major Money Lessons You Can Learn From My Most Costly Financial Mistakes
October is National Financial Planning Month – an annual reminder to keep our spending in check, prepare our budgets, and revisit our financial goals as we roll into the holidays. During this month, Paychecks & Balances highlights subject matter experts and...
These are the Other Lies It Is Ok to Tell During Your Next Job Interview
Millennials are twice as likely as other generations to lie on their resumes. This post is not about lying on your resume. Apparently you’ve already mastered that skill. Honesty is always the best policy; except for when it isn’t. This post is about all...
Should I Buy My First Home if I Have A Bad Credit Score?
The following #AskPB listener question has been lightly edited to maintain anonymity. I’m trying to buy a house so I called a lender to just pull my credit and tell me what they think. One credit report is significantly lower than the other two. My score...
The Best Millennial or Gen Z Blog (on the Planet)
This title might be a slight exaggeration. Thank you to the great fans of Paychecks & Balances and the illustrious P&B Family. We were nominated for the 10th Annual Plutus Awards’ Best Millennial or Generation Z Blog and Podcast of the Year. We took home the...
The Personal Finance Expert You Are Looking for Does Not Exist
Next week we’re up for two Plutus Awards for Podcast of the Year and Best Millennial or Gen Z Blog. Because whether we win or lose our readership may potentially rise, I figured this is the optimum time to level-set expectations for our new visitors. Please enjoy… I...
Recession Proof Your Finances in Three Steps
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. OMG, WE’RE HEADING FOR A RECESSION (allegedly)! I’M NOT YELLING, YOU’RE YELLING!! I was in the middle of drafting another weekly post completely unrelated to this topic when I...
My Quest for Get Rich Quick Schemes Continues, Here is What I Have Learned So Far
Do you have an income shortage or a spending surplus? Most will never ask themselves this question. The assumption is that if you have more month left over at the end of your money, then you don’t make enough money. This assumption is not without some merit; neither...
How Leah Marie Collins Paid Off $40,000 in Debt and Launched Her Own Business in Only 18 Months
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. To be exact, Leah Marie Collins paid off $40,000 in debt, increased her credit score to over 800, purchased a rental property, and launched her own business to help other women...
Get Hired Faster By Answering These 5 Questions Before You Begin Your Next Job Search
I did not set out to make a career change. A career change landed on me. As I wrote about here, a sequence of events that I didn’t see coming was the catalyst for my most recent job search. This is not a bad thing. Life happens, and as the streets and Nationwide...
This Accountant Shares How He Taught Himself to Pay Off $116,000 in Debt
Welcome to our latest Personal Finance Spotlight where we share relatable stories from people like you–the reading audience–who discovered life after debt instead of paycheck-to-paycheck til debt do us part. This week we introduce you to Lawrence Gonzalez....
Losing Two Jobs in One Week May Have Been the Best Thing that Ever Happened to Me
This is the story of two offers. It is not as cool as the story of 2 Chainz, but it will have to do. Recently, we all relearned a good fighter will fall if you hit them hard enough. Word to Anthony Joshua. What does the story of Mr. Joshua have in common with Mr....
Is the FIRE Movement a Cure for Millennial Burnout?
Burnout is a hot topic right now. No Pun. You may have read the viral piece from BuzzFeed that set the internet ablaze, Millennials Became the Burnout Generation. Related: BuzzFeed: This Is What Black Burnout Feels LikeMashable: Our best bet against burnout is...
How to Talk About Money and Debt with Your Parents When The Family Isn’t Wealthy
The following AskPB question has been lightly edited to maintain the submitter’s anonymity. However, we thought a wider audience would benefit from both the question and Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential...
This Couple Paid Off Six Figures in Debt in 23 Months with the Debt Snowball
Money doesn’t solve all our problems, but money does solve our money problems. That’s one of the many theories behind Jhanilka and Anthony Hartzog debt free success story. The two millennials joined financial forces to pay off their $114,151 debt. Next, they have...
This Couple Paid Off $78,000 in Less than Three Years
Fo Alexander is the Personal Finance Coach and Business Systems Strategist behind the Girl Talk with Fo podcast and blog. She specializes in teaching millennial women how to dump debt and build bank. As part of her journey, she and her husband paid off $78,000 in debt...
How Dave Ramsey’s Debt Snowball Helped Her Pay Off $89,000 in Two Years
By listener request, we introduced Personal Finance Spotlights to the website this year. It’s been great! I love sharing stories of people taking charge of their personal finances. Our readers and listeners said they wanted to read more profiles on “ordinary” people...
Personal Finance Spotlight: The Godmother of Financial Coaching
Saundra Davis, MS, APFC® Saundra Davis is the self-described Godmother of Financial Coaching, and I believe it. When we met for the second time–at FinCon Expo: Where Money and Media Meet–Saundra dropped a quote on me so powerfully insightful that I had to...
30 Money Tips I Learned During National Financial Literacy Month that Will Help You All Year Round
April is National Financial Literacy Month. Just like you don’t have to wait until New Year’s Eve to make a money resolution, you don’t have to wait until April to follow a 30-day plan to turn your finances around. You can find that exact 30-day plan...
If You’re the 1 in 3 With $0 Saved, Try These Financial Life Hacks
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...
Self-Made Millionaire Blogger Credits Three Key Steps
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. 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,...
I Made My First Million, and I’m Still Broke
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...
How to Negotiate Salary: The 7 Best Tools
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...
Marsha Barnes Raises The Finance Bar With Each Stop on Her Tour
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...
Good vs Bad Debt and How to Tell the Difference While Paying Off Both According to This Debt Relief Lawyer
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...
The Student Loan Doctor Has Helped Thousands Save Millions
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...
From $130,000 in Debt to $100,000 in Net Worth ft. Pennies to Wealth
We all have to start from somewhere on our financial journey. We all have to look for the best Credit Cards for No Credit when first applying for cards because we’ve not had a chance to grow your financial history yet. From there, every choice you make can...
Is it Better to Rent or Buy? Here are the Free Tools to Make the Best Choice for You
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...
JPMorgan Chase National Savings Month: Making Money Moves Panel ft. Paychecks & Balances
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...
Make a Successful Career Change with These Five Steps
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....
Turn Your Paychecks Into Long-Term Wealth with These 4 Changes
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...
Subscribe to These Top 10 Personal Finance NewsLetters to Get Your Paychecks Up and Balances Down This Year
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...
Our Top 10 Money and Investment Podcasts and Posts – 2018
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...
The Best African American Financial Literacy Podcasts and Blogs
This page may contain affiliate links. Please read our Advertiser Disclosure for more info. At Paychecks & Balances, we help Millennials make money, save money, get out of debt, and build wealth. These are some of the best money voices from our network. Personal...
Following These 7 Tips Increased My Salary Over 400%
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...
Explained: The Debt Snowball vs Debt Avalanche – Just $10 a Month Could Cut 11 Years of Debt Payments
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...
Has the Financial Independence Retire Early (FIRE) Movement Burned Out?
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...
These Two Factors are Almost 70 Percent of Your FICO Credit Score
Rich and Marcus finally got (broke?) into the 800 FICO Credit Score Club! It took a lot of hard work and research. The 800 FICO Credit Score Club is a feat reached by only 1 in 5, so it was nice to hit another personal finance milestone. It’s not about hitting...
My Wife Spent $45,000 From Our Savings Account Without Telling Me
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...
CBSN: Eye on Money ft. Paychecks and Balances (Video)
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...
Color Full Lives with Angela Yee and Aminatou Sow ft. Paychecks and Balances
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...
This Is How Much You Should Have Saved by Age 35 to Retire Comfortably
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. Two out of 3 people haven’t created a budget,...
CBSN: Making Your Money Matter ft. Paychecks and Balances (Video)
We were invited by CBS News on their 24-7 streaming video news channel CBSN at cbsnews.com/live to join a panel of experts discussing student loans, credit cards, debt management, retirement and more. Hosted by Vladimir Duthiers (@vladduthierscbs), the panel included...
The First Time I Fell In Love with Debt: Part 2 (Video)
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....
The First Time I Fell In Love with Debt: Part 1 (The Soundtrack)
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...
Should I Buy My First Home or Save More Money?
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!...
We Read the 15 Best Personal Finance Money and Investment Books and Summarized the Calls to Action From Each That Will Make You Rich
This is a continuously updated list of our reviews of the best personal finance and investment books. The original list of 15 is presented in order of our favorites. How do you read 15 books in 12 months? I Don’t Have Time to Read “I never have time to...
Should I buy my leased vehicle when the term ends?
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!...
I’m Struggling to Pay Bills and Fix My Credit Score of 460
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...
Do Credit Repair Companies Actually Work?
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...
Should I pay off my student loans or add to my emergency savings?
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!...
When is it better to buy or lease my car?
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...
Should I Take a Job Opportunity Where Nobody Knows My Name?
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!...
Here is How Much Home, Car, and Debt You Can Afford on a 30, 50, and $100,000 Salary
Seventy percent of millennials (ages 21-37) believe they are not saving as much as they could. The primary culprit? They blame spending too much on dining out (we cut our food spending in half btw). Many people believe the key to all their budgeting and debt woes is...
When should I use a 401k loan to pay my bills and debt? Quick Hint: Never!
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!...
I’m in my 30s but I haven’t started saving for retirement! What should I do?
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. What to do if you are in your mid-late 30’s and haven’t saved for retirement? I did hear the podcast about if...
I want to buy my girlfriend a $10,000 engagement ring but I’m already $15,000 in debt
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...
50 Years a Worker: Two Questions You Need to Answer If You Want to Retire Early
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...
I Have a Budget But How Do I Stop Impulse Shopping?
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...
How a LinkedIn Message Led to a Job Offer
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...
How Can I Start Living a Healthier Financial Life?
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...
Should I Save for Retirement or Pay Off My Credit Cards First?
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...
I Can’t Get Down With Ditching Digit
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...
3 Tricks to Make Budgeting Suck Less
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...
Why You Should Look Into Your Company’s FSA
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...