Is It Better to Cut Back and Save or Earn More and Live?

Is It Better to Cut Back and Save or Earn More and Live? thumbnail

Should you focus more on cutting back and saving or earning more and living your life to the fullest? I was asked that question recently and it's a good one, because I actually identify with both perspectives. Both can be helpful and both can be harmful if taken to the extreme. Here's how I would balance the best of both worlds.

Maybe It’s Okay Not to Save for Retirement Right Now

Maybe It’s Okay Not to Save for Retirement Right Now thumbnail

People like me tend to recommend saving as much as you can for retirement starting as soon as you can. The intention is good. After all, math. Saving money early on is the most effective way to ensure that you'll have more of it later on. But it's not always realistic when you have young kids. So, could there be a different approach?

Investing Made Simple

Investing Made Simple thumbnail

You know that investing is an important part of your financial plan, but you aren't sure how to do it right. Maybe you have some things in place but it all feels like a big confusing mess. Or maybe you're afraid to get started because it all feels too intimidating and overwhelming. This guide will help you sort through the confusion and get it right.

Should Young Investors Count on Social Security?

Should Young Investors Count on Social Security? thumbnail

Almost everyone I talk to who's in their 20s or 30s assumes that Social Security won't be around by the time they reach retirement. I shared that attitude myself for a long time, but over the years I've learned that it's an unhelpful assumption. Here's why even young investors should count on Social Security and how to include it in your retirement plan.

How to Find the Best Health Savings Account

How to Find the Best Health Savings Account thumbnail

Health savings accounts are a fantastic tool. They are actually the ONLY type of account that lets you save money completely tax-free. But finding a good one can be difficult. There are a lot of variables to consider and it can quickly feel overwhelming. So here are the steps I took to find the best health savings account for my personal needs.

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