Saving & Banking
Treasury Bills vs High-Yield Savings After State Tax
For about two years I kept my emergency fund in a high-yield savings account and never questioned it.
Someone tells you that converting an IRA to a Roth is free money later, so you move 150,000 dollars in December and then open the 1099-R in February. The entire amount is on it as ordinary income.
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Saving & Banking
For about two years I kept my emergency fund in a high-yield savings account and never questioned it.
Investing for Beginners
You want to start investing, but one share of the company or fund you have in mind costs $450, and you have $50 to spare this...
Credit & Debt
You apply for your first credit card and get turned down because you have no credit history, and you cannot build a credit...
Taxes Simplified
You have kids, you file a tax return every spring, and you have heard the child tax credit is worth a couple of thousand...
Saving & Banking
I bonds sound like the perfect home for cash: backed by the US government, protected against inflation, and free from state...
Retirement Planning
You have a high deductible health plan, a health savings account with a few hundred dollars in it, and a debit card you swipe...
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Archive
Three writers who each spent years on a different side of a money decision: a former family financial planner who got tired of budget templates that assume nobody has an irregular paycheck, a one-time collections rep who now explains what a credit report actually shows, and someone who has tracked her own index fund returns since she was twenty four and writes from that spreadsheet, not a textbook. Every article carries a byline, and the numbers shown are worked through, not rounded to make a point.