Latest guides
Practical guides on loans, saving, credit, debt, and everyday financial decisions.
Robert Kiyosaki Definition of Wealth
The Robert Kiyosaki definition of wealth is simple: wealth is measured by how many days you can survive if you stop working today while maintaining your current lifestyle. That idea comes from Kiyosaki’s broader message in Rich Dad Poor Dad: income is not the same as wealth, and assets should put money in your pocket….
Current Mortgage Rates: How to Compare Offers and Lower Your Cost
Current mortgage rates affect how much house you can afford, your monthly payment, and the total interest you may pay over time. But “the rate” you see in headlines is not the rate every borrower gets. Your credit profile, down payment, loan type, property, and even timing can change the quote. The most useful approach…
Saver Anxiety and How to Lower It
Saver anxiety can show up even when you are doing “the right things” with money: paying bills, building savings, and avoiding unnecessary debt. It is the uneasy feeling that you are one mistake away from financial trouble, or that you are not saving enough no matter what you do. The good news is that anxiety…
FTC StubHub Refunds Eligibility: Who Qualifies and What to Do Next
FTC StubHub refunds eligibility depends on what you bought, when you bought it, how the event changed, and what refund options you were offered or received. If you are trying to figure out whether you might be part of an FTC refund process tied to StubHub purchases, the most useful approach is to (1) identify…
Mom 58 No Retirement Savings 401(k) Help: A Practical Plan to Catch Up
Mom 58 no retirement savings is more common than many families think, and it can still be workable with a clear plan and realistic numbers. The goal is not to “make up for lost time” overnight. The goal is to stabilize cash flow, avoid expensive debt, and use the best available retirement tools (like a…
Signs You’re Overspending in Retirement and How to Fix It
Overspending in retirement often starts quietly: a few bigger credit card bills, more “one time” purchases, or a little more pulled from savings than planned. The problem is not that retirees should never spend. It is that retirement spending needs to fit your income sources, taxes, inflation, and how long your money may need to…
Companies Giving Tariff Refunds: How They Work and How to Claim Them
Companies giving tariff refunds are usually responding to a specific tariff change, a court ruling, a customs reclassification, or a business decision to reimburse customers for unexpected import-related price increases. If you bought products that were affected by tariffs, you might see refunds in a few different forms: a partial refund to your original payment…
The Hidden Tax Trap for Retirees
The hidden tax trap for retirees often shows up after you stop working, when a “normal” withdrawal or one-time income event quietly pushes you into higher taxes and higher Medicare costs. Many retirees expect taxes to fall in retirement. Sometimes they do. But the tax code has several “stacking” rules where extra income triggers other…
Annuity Income Longevity Study: How Long Guaranteed Income Can Last
An annuity income longevity study looks at how long retirement income can last when it is paid as an annuity, and what factors most affect whether that income keeps up with your needs over time. People often use the word “annuity” to mean different things. In this article, we are focused on lifetime income annuities…
