If you enjoy reading and learning about personal finance, then it’s safe to say you’ve probably heard the name, Dave Ramsey. Since the ’90s, The Dave Ramsey Baby Steps have helped millions of people get out of debt and start them down the path to achieving financial freedom. We even wrote our own 12 toddler steps to financial freedom by…
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The Complete Guide on Emergency Funds and Cash Reserves
One of the few personal finance concepts that garner near-universal praise is the emergency fund. For many topics in personal finance, there are seemingly as many critics as there are advocates. “The stock market is too risky,” “You can’t retire early because you need health insurance,” “You shouldn’t travel because it’s wastefully expensive.” I don’t agree with any of these…
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5 Budgeting Tips For Young Adults To Arrest Their Debt
Budgeting Tips For Young Adults As a young adult, what do you think about when you hear the word budget? When I was a young adult, and even now, I cringe when I hear the word. For some reason, it has a bad connotation associated with it. Similar to pineapple and pizza – it just has a bad ring to…
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Is Credit Karma Safe?
Seeing your credit score and viewing your credit reports has become a necessity in this day and age. Everything is becoming digitized, and new websites are launching all the time. But it can be hard to know if sites and apps like Credit Karma are safe or if they are a scam. Credit Karma provides a free and easy way…
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The Increasing Debt Problem In The United States
Let’s face it, debt in the United States is a problem. From our national debt, student loan debt, and consumer debt. Debt in the United States is a problem on all levels. Why is that? I’m a firm believer that it starts with the lack of education on the topic. Only 17 states require high school students to take a…
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Are Robo-Advisors And Emperor Investments Worth It?
Robo-advisors like Emperor Investments are becoming more popular investment strategy among millennials, here are what you need to know about Robo – advisors and why you should consider starting with one. Perhaps the robots are finally taking over the world. In my early days of investing, I started with a Robo advisor. It was very convenient and required less effort…
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