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Hack your Credit Utilization Ratio to Improve your Credit Score

Last updated: January 4, 2019
Hack your Credit Utilization Ratio to Improve your Credit Score
Let’s talk credit score hacking. For better or worse, credit scores are important. How you score can impact whether or not you get credit, the rates you get on …
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Passive Funds Versus Active Funds: The Conclusive Results

Last updated: February 17, 2019
Passive Funds Versus Active Funds: The Conclusive Results
Despite terrifying actively managed fund results like this, “84% of large-cap funds generated lower returns than the S&P 500 in the latest five-year period and 82% fell shy in …
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Most Millennials Hate their Jobs. Here’s How to Fix it

Last updated: March 11, 2021
Most Millennials Hate their Jobs. Here’s How to Fix it
On the whole, a good percentage of Americans hate their jobs. But what about millennials? Turns out they outpace every other generation in their hate for their jobs. In …
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An Overview of the New Overtime Rules & How they Could Impact you

Last updated: April 29, 2021
An Overview of the New Overtime Rules & How they Could Impact you
Update: the Obama era new overtime rules (detailed below) were struck down by a federal judge in 2017, but a version of it could be revived in the future. …
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How to Contribute to an HSA Outside of an Employer Payroll Deduction

Last updated: January 3, 2025
How to Contribute to an HSA Outside of an Employer Payroll Deduction
Contributing to an HSA is easy enough for those whose with an employer that offers an HDHP plan – just select your payroll deduction and your employer takes care …
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“In the short run, the market is a voting machine, but in the long run, it is a weighing machine”

Last updated: February 7, 2025
“In the short run, the market is a voting machine, but in the long run, it is a weighing machine”
Fresh off of a second huge stock market rally from a frightening decline in the past year, I thought it would be timely to do a bit of reflecting. …
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Why “No-Spend Days” Don’t Work (& what to Replace them with)

Last updated: January 4, 2019
Why “No-Spend Days” Don’t Work (& what to Replace them with)
As a personal finance blogger, I read a ton of financial content. More than I probably should. And about once every other week or so, I come across the …
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How to Change Credit Card Payment Due Dates to Avoid Late Fees

Last updated: January 27, 2023
How to Change Credit Card Payment Due Dates to Avoid Late Fees
I’ve become a bit of a credit card collector. I have been using a different credit card for just about every common expense. I have one for fuel, one …
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