What Banks Don’t Tell You About The Difference Between APR and APY

Imagine a world where banks were fully transparent with you. Sounds nice, doesn’t it? Unfortunately, there are many tactics banks use to make parts of their business look better than they are. Specifically when it comes to APR and APY. Well today we’re going to get the difference between APR and APY. I’ll explain to youContinue reading “What Banks Don’t Tell You About The Difference Between APR and APY”

How Blockchain Works in Simple Terms

Bitcoin is quite the buzz word right now. Everyone wants a piece of bitcoin. It just keeps growing! But for the average person, bitcoin doesn’t make sense. How does something that is made up of ones and zeros have any sort of value? What happened to being backed by good old fashioned gold? To understandContinue reading “How Blockchain Works in Simple Terms”

Financial Coaching: How It Works and Who Should Get It

What is a financial coach and how is it any different than a financial advisor? In this post, we’ll break it down. Then we’ll cover who should get financial coaching and how it works. Spoiler, I don’t think coaching is for everyone. I don’t even think it’s for everyone who has financial problems. Financial AdvisorContinue reading “Financial Coaching: How It Works and Who Should Get It”

How to Combine Finances After the Wedding

When two people get married, what’s the best way to handle the finances? Keep it separate or make the money pot a little larger? What other financial things should we consider when we get married? This weekend, Bailey and I attended the wedding of some friends. Cue the bells and sparklers! So I am taking this appropriate opportunityContinue reading “How to Combine Finances After the Wedding”

The 6 Do’s and Don’ts of Budgeting

Consider this: The median household income of Americans in 2019 was just over $68,000 according to the Census Bureau. If starting a budget caused you to save even 1% more of your yearly income, that would be an average of about $56 a month of savings. When $56 is invested per month over your 40Continue reading “The 6 Do’s and Don’ts of Budgeting”

I Started a You Tube Channel for Personal Finance!

Hey all! Happy Friday! I wanted to let you know, I have now started a You Tube channel to add to the blog! Watch the first video below! I’m really excited about this because I like making videos and I find it’s a little easier to entertain through video than through writing. I’ll be attemptingContinue reading “I Started a You Tube Channel for Personal Finance!”

Here’s Why You Should Want a $0 Tax Return Too

April 15th is a bad day for paperwork (and accountants) but a lot of people seem weirdly excited for the results of tax day, don’t they? “I’m getting a huge tax return this year so I’m going to use it on that trip to Europe I’ve been wanting to take!” I get it, I loveContinue reading “Here’s Why You Should Want a $0 Tax Return Too”

Myth-Busting: Here’s How Tax Brackets Actually Work

Happy Monday! What am I saying, I’ve got a huge project due at work today. Well, I hope you are having a happy Monday. Regardless, thanks for joining me. I don’t take a single reader or follower for granted. Alright, let’s talk money myths. Last year, my cousin and I were talking about money whileContinue reading “Myth-Busting: Here’s How Tax Brackets Actually Work”