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How to Use AI Well in Your Financial Life

06/16/2025

AI isn’t magic. It’s a tool. A fast one, a powerful one, but still just a tool. If you treat it like an advisor, it’s going to disappoint you. But if you use it to sharpen your thinking, it can save you time and help you see patterns you might have missed. You just have…

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Why We Shut Down: When Money Stress Makes You Freeze

06/09/2025

We often hear that financial problems should be solved with discipline. Just make a plan. Just take action. Just do something. But that’s not how people work when they are overwhelmed. When money is tight and pressure is high, the instinct is not always movement. Sometimes it’s paralysis. Bills pile up, decisions feel heavier, and…

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The Fake Bank Trap: When High-Yield Accounts Aren’t Real

06/09/2025

High-yield savings accounts are great if you’re trying to build an emergency fund or keep savings separate from checking. They allow you to earn at least some growth while keeping that money accessible in a pinch. But as more people look to stash their money in online banks, scammers are moving fast to meet them…

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The Payday Loan Trap: When a Lifeline Turns Into a Loop

06/02/2025

Imagine you’re short $300 to cover rent, your next paycheck is five days away, and your bank balance is nearly zero. For millions of Americans, this isn’t a hypothetical. It’s a monthly occurrence. Enter the payday loan. On the surface, payday loans offer fast cash with no credit check and minimal paperwork – often approved…

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Tariffs: Who Pays, Who Gains?

05/26/2025

It’s one thing to understand what a tariff is but it’s another to understand who benefits once it’s in place. If we pay more at the register, where does that money go? Is it fueling government programs? Offsetting deficits? Just disappearing into the system? And if higher prices are the price of “protectionism,” is anyone…

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Why Expense Forecasting Is the Habit You Didn’t Know You Needed

05/19/2025

Many people are familiar with expense tracking. You look back at what you’ve spent, categorize it, and highlight areas that could be more efficient based on your goals. It’s incredibly useful and something we strongly encourage. But it’s just one piece of the puzzle. There’s a reason every business doesn’t just track expenses but also…

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Budgeting App Scams Why “Safe Enough” Isn’t Good Enough

05/19/2025

Last summer, Creditnews Research released its findings on the data safety practices of popular financial apps. Their findings were eye-opening. Not only did the majority of apps share some form of user information with third parties, but many shared far more sensitive data than users would expect. This issue doesn’t just affect budgeting tools—it stretches…

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The Evolution of ‘Buy Now, Pay Later’ (BNPL) Services

05/12/2025

A few decades ago, if you couldn’t afford to buy something outright, you had two options: wait and save, or use layaway. Layaway was a patience-based system – you paid for the item in installments before receiving it. It taught discipline, but it also came with the risk of cancellation, restocking fees, or simply losing…

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Day Trading Gurus: The Social Media Scam That Won’t Die

04/28/2025

Social media has become the perfect stage for day trading scammers. They promise instant wealth, total freedom, and a life you can only get by joining their Discord group, paying for their signals, or copying their trades. TikTok and YouTube are packed with these stories. Some are polished. Some even look scrappy on purpose because…

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Why Does News Cause Market Swings?

04/21/2025

Ever wonder why a company reports record profits and the stock drops? Or why bad economic news sometimes sends the market up? News affects markets – but not always in the way you’d expect. The Power of Earnings, Fed Announcements, and Data Drops Some news matters more than others. Corporate earnings reports give investors a…

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Why Smart People Still Get Bad Advice

06/23/2025

Being intelligent isn’t a shield against bad financial decisions. In fact, it can sometimes have the opposite effect. Smart people often assume that if they don’t understand something, the fault lies with them. They give the benefit of the doubt, nod politely, and walk away thinking they’ll figure it out later. But in the financial…

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Can AI Replace Financial Advisors? Yes. No. It Depends.

06/16/2025

Yes. No. It depends. Don’t you love those kinds of answers? Let’s break down why that’s the only honest one. YES -AI can absolutely help if you’re just starting out. It can estimate how much you should be saving, where to allocate it, and even generate a retirement projection that looks reasonably legit. If you’re…

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When You Can’t Save, You’re Not Failing

06/09/2025

What happens when you do everything right and still don’t have anything left over? Let’s talk about something we don’t say enough in personal finance – sometimes the numbers just don’t work. We ran a realistic scenario using actual data – not extreme, not worst-case, just average. We pulled numbers from sources like Zillow for…

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What’s Going On with the CFPB?

06/02/2025

Back in our very first newsletter last August, we highlighted the growing attention on so-called “junk fees” – surprise charges buried in everything from bank overdrafts to credit card late payments. We applauded the work of the Consumer Financial Protection Bureau (CFPB), the federal agency behind those efforts. At the time, we said: they’ve got…

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Demystifying Tariffs: The Basics Behind the Buzzword

05/26/2025

Tariffs continue to dominate the news cycle, indicating their lasting impact on our economy. But while today’s headlines focus on the latest trade policies, the fundamentals of tariffs haven’t changed in centuries. Whether it’s steel, semiconductors, or shoes, understanding how tariffs work helps decode the ripple effects they create in everyday life. So let’s break…

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How to Build a Personal Expense Forecast (Without a Finance Degree)

05/19/2025

Forecasting doesn’t have to be complicated. You’re not trying to predict the stock market, you’re simply creating a forward-looking map of expenses you already know are coming. It’s not about precision; it’s about visibility. And once you have it, you’ll make financial decisions with more clarity and less stress. Here’s how to build a practical,…

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The True Cost of Debt

05/12/2025

You walk into a store and see something you want – a laptop, an appliance, a designer item. The price tag reads $850. You don’t have the cash, but your credit card has room. It feels like a manageable decision, one you’ll sort out over time. This kind of moment plays out thousands of times…

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SOCIAL SECURITY: What it Is. What it Isn’t. Why it Matters. Why it’s SO Hard to Reform

05/05/2025

Last August when we launched our very first issue we asked What Will Become of Social Security? A week later we followed up with Social Security, Please Hold, focused on the operational breakdowns inside the SSA itself – delays, underfunding, and a staffing crisis. Back then, the headlines were familiar: warnings about the trust fund…

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What ‘Stay the Course’ Really Means for Long-Term Investors During Market Volatility

04/28/2025

“Stay the course” – the simple phrase that gets tossed around every time the market tanks can feel useless if you don’t know what it really means or why someone’s saying it. It often sounds like someone trying to get out of a conversation they don’t want to have. It feels dismissive, like they can…

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Who’s Actually Moving the Market?

04/21/2025

If you’ve ever watched the market jump or crash and thought, “Who decided that?”, you’re not alone. It’s easy to assume it’s a crowd of everyday investors, each clicking “buy” or “sell” on their phones. But the truth is, retail traders (people trading their own money) make up a small slice of the action. Most…

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A bunch of yellow balloons hanging

The Study Of JOY

08/12/2024

In 1938 scientists began a study to track the health of its participants over a long period of time to try to figure out what makes people healthy and happy. The study continues to this day, of course adding new participants (including the offspring of the OGs!). So what does this Harvard Study of Adult…

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Cartoon Vector illustration of a big pile of money banknotes

JUNK Fees

08/05/2024

The Consumer Financial Protection Bureau is taking companies to task to make sure you aren’t getting taken to the cleaners. Their plan is to save you billion$. To start, note that there is nothing wrong or illegal about adding fees to a service – the issue is that they are not being properly disclosed. Since they are…

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