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Electric Vehicle Tax Credits: How Much, How to Claim, & Manufacturer...
Despite electric vehicles being the most efficient vehicles on the market, with gas prices having been relatively low over the last few years, electric vehicle sales in the United States have not been...
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The One-Time IRA to HSA Rollover Transfer: is it Worth it?
My love for health savings accounts (HSA’s) is no secret. Aside from getting employer matching funds from 401K contributions, I believe that HSA’s are the best type of retirement account to contribute...
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Should Personal Finance be Taught in Schools? The Research Says…
I’ve long believed that teaching personal finance in our public schools was one of the potential cures for our “living paycheck-to-paycheck” culture. In fact, I advocated for teaching personal finance...
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Using a 529 Plan to Pay for Your Own Education
I’ve previously covered 529 plans at length, but given the outrageous costs of post-secondary education these days (and the $1.5 trillion+ in student debt created by those costs), I thought it would be...
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Salt Financial Launches a New ETF that Pays You to Invest. Should You?
You may be aware that Vanguard and Fidelity have been locked in a price war now for a number of years that has driven the costs of many of their (and the entire financial industry’s) index funds down...
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Maximum HSA Contributions for 2019 & 2020
The IRS has published an inflation adjustment increase to the maximum HSA contribution for 2020, and there will be in increase over the maximum HSA contribution for 2019. More specifically, both the...
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The Story Behind the Recent JPMCB Credit Monitoring Alerts
If you have an army of credit cards (like I do) and you use credit monitoring services (like I do), there is a good chance that you’ve seen a barrage of mysterious credit monitoring alerts over the...
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Fidelity Expands its Commission-Free ETF Lineup
Last fall, Vanguard expanded its commission-free ETF lineup from 77 to 1,800+, which was very big news in the investing world, as it greatly expanded accessibility to the convenience and low-cost...
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The “Poor Tax”
I’ve been thinking a lot lately about economic class and the moral and ethical implications that come with it. Over the years, through a mix of hard work, execution of the financial advice that I’ve...
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Why CalSavers, & the Other New State IRA Plans Are Not Good Enough
Call me old fashioned, but I’m a fan of government that works to serve the people that it is elected to serve, in part, by recognizing significant gaps that capitalism has left behind, and at least...
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Equifax Class Action Settlement Sign-up Details: Claim Up to $20,625 (& More)
Remember the great Equifax hack of 2017? Who can forget?! The personal data of 147 million Americans was breached, due to poor security measures from Equifax. With it, names, addresses, Social Security...
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Apartment Loans are here. Should you Take Out a Rental Loan?
If I had a dollar for every time I hear a recent college grad talk about or show photos of their new upscale luxury apartment rental… Seriously. I work at a large company that pays a very solid wage to...
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The IRS Announces Changes to HSA-Eligible HDHP’s for Chronic Conditions
A few weeks ago, the IRS (in coordination with the Department of Health and Human Services) quietly provided guidance that HSA-eligible high deductible health plans (HDHP‘s) consider a number of...
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How to Prepare for a Recession (& Enhance your Life)
Try not to freak out too much, but you should be aware that there are a number of troubling economic indicators that are flashing bright red right now that point to increased odds of an oncoming...
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Don’t Quit your Job Just Because you Don’t Like it
I write about financial independence here fairly often. I do so because I truly believe that obtaining it (and the wonderful gift of time that it provides) can give us an opportunity to become the best...
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Personal Finance Shortcuts
Being a personal finance writer, I often get approached with questions that imply that I am sitting on a secret hot tip that will lead the inquisitor to personal finance success. When people ask these...
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Where to Get Cheap or Free Flu Shots
The 2019 – 2020 flu season is here and it could be a bad one. Should you get a flu shot? There are many good reasons to… On average, approximately 5% to 20% of U.S. residents get the flu and more than...
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Equifax Claim Email: It’s Legit & Not a Scam, So Take Action
Back in July, I highlighted how readers could file a claim for up to $20,625 in the Equifax Class Action settlement for the massive Equifax hack that impacted 147 million Americans. While that amount...
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Life Meets Forced Job Relocation
I’ve been with my employer for a faithful 12+ years. And it’s been a good run. I’ve performed well. Well enough to be the highest revenue generator globally in the history of my organization (over...
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Mainstream Free Stock & ETF Trading is Here to Stay. Does it Matter?
It seems like every 6 months or so there is big financial investment industry news that is reflective of the industry race to the bottom on price. Well, here we go again with a big one. Schwab is now...
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