Building an Excellent Credit Score


Having an excellent credit score can empower you in many ways. As long as you use your good credit responsibly and don’t take on high-interest debt, having a good credit score is critical to a healthy financial portfolio.

Leveraging an Automatic Savings Account to Reach Your Financial Goals


An automatic savings account is a type of savings system that allows the account contributor to deposit a set amount of money into a savings account at pre-determined intervals. Most commonly, this would be in conjunction with the contributor’s regular pay schedule. It allows an individual to automatically transfer a fixed amount into a savings account, usually on the same cadence they receive their paycheck.

New and Used Car Prices. Why Are They Up so Much?


According to a recent article, in November 2021, used car prices jumped up 44% compared to a year earlier. In December 2021, J.D. Power estimated that the average used car price hit $30,000 compared to about $23,000 the previous year. Amazing. The cost of new cars is also soaring, averaging $46,000.

Managing Personal Spending


Budgeting your money is a great way to control your spending and help you reach your financial goals. If you have never budgeted before, a great way to get started is with the 80/20 rule.

Emergency Reserve


Having an emergency reserve is essential for when unexpected life changes happen. Unexpected events can and do happen. Having some extra cash set aside will help you if an occasion arises.

Understanding the History of the Gold Standard


For almost 200 years after the founding of the United States, the value of the U.S. dollar was officially backed by gold. This was called the gold standard. In 1933, in partial response to the Great Depression, Congress enacted a joint resolution nullifying the right of creditors to demand payment in gold. In other words, a person could no longer insist on being paid in gold. For a while, at the time, it was illegal for Americans to own gold.

US hits $30 Trillion in National Debt. Should We Care?


The gross national debt of the United States just surpassed $30 trillion. The big question is, do we need to be worried?  The answer is: yes, we do. Now, let’s break down why.

What Motivates You?


Talking about money is more than just talking about income, debt, assets, and spending habits. You care about money because money provides you with the things you need and the things you want, both tangible and intangible. The question is, what motivates you?

Five Steps to Focus on Money Management


The pandemic has impacted many people’s mental health, and almost two years later, many of us are struggling with COVID fatigue. Even though many of us don’t feel like pushing on, we still have to show up. Here are five strategies to help you keep your focus while building a strong financial base and growing wealth.