Summer has a way of loosening the reins on your wallet. Ball games, road trips, extra camps, spontaneous dinners out… By September, a lot of folks open their banking app and see that their bank statement is basically a scrapbook of summer. And you know…
Category: Financial Wellness
Many people are unsure about which debt collection practices are legal, and which are prohibited. This confusion can lead them to pay more than they owe, especially when a debt collector violates rules set by the federal Fair Debt Collection Practices …
Debt has a way of sneaking into your life. Sometimes it happens through a few too many swipes of a credit card, other times through a “temporary” loan from your retirement account, and sometimes through heart-wrenching emergencies. Whether you’re…
Your 401(k) or 403(b) retirement account is probably one of your largest assets. If you need to access extra funds, you may wonder, “Can you borrow from your 403(b)?” In many cases, you can. Here’s a closer look. Understanding 403(b) …
Are you worried that your credit card’s terms are “worse” than average? Perhaps you’ve talked to friends and found out that their annual percentage rate (APR) is lower than yours, or their credit limit is higher. Or maybe you’re hunting for…
Given the rising cost of living, debt has become a reality for many people in America. Debt-free existence might sound like a pipe dream, but when you build a financial strategy and stick to it, you may be able to wipe out your debt in time. How …
Americans are saving more in their 401(k) plans than ever before. The average savings rate in 401(k) plans at Fidelity Investments rose to a record high 14.3% in the first quarter of 2025. Eventually, the time will arrive for you to withdra…
When you’re staring down six figures of debt, it can feel like you’re carrying an invisible weight no one else sees — but you feel it everywhere: in your sleep, your health, your relationships, and especially your sense of hope. If you’ve tried b…
Forget “just budget better.” I once had $220,000 in student loans, and if I had relied on that advice alone, I’d probably still be paying them off today. Instead, I discovered something that most financial experts don’t talk about: the psyc…
We live in a world obsessed with ROI, return on investment. From business owners calculating every ad dollar spent, to professionals deciding whether a certification is “worth it,” we’ve been trained to look for proof that something will pay off …