At least once a year I look down at the dust on my baseboards and try to think of the last time I cleaned them. Typically we wait until spring to clean the minutiae of our homes but in years you forget, you’ve got to get down on the floor and wipe your baseboards in the summer, fall or winter. The same goes for your finances. If you can’t remember the last time you “spring cleaned” your finances then don’t wait another season to get them in order. Not sure where to begin when organizing your...

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Articles with titles like “How Much You Should Have Saved for Retirement at Every Age” are super clickbaity and mostly depressing. Sure, it’s easy for someone who doesn’t know me to say I should have two years of my salary saved, but they don’t know my salary, what I’m spending or what I want to be spending in...

Earnest, a leading student loan refinancing company, began offering private student loans in April of 2019. To make the experience as innovative as possible, Earnest incorporated 300 hours of user research with students, co-signers, and financial aid offices into building its lending process. What resulted is flexible in-school repayment options, a unique range of loan terms, and a grace period three months longer than the industry standard. Students in financial hardship also have a variety...

If you’re confused and a little intimidated by investing, you’re not the only one. Retirement is far away for a lot of us, so it’s easier to focus on living life now and leave the scary topic of investing for later. But if you wait too long to learn about investing, your retirement will be less “Golden Girls” and more like “2 Broke Girls.” The good news is that investing doesn’t have to be difficult. As our good friend Warren Buffet says, temperament is more important than intellect. And...

Deciding between health care options can be a real drag when open enrollment comes around. If you’ve spent any time Googling, you might be more confused now than when you started. If you’re leaning toward a health savings account — but you’re like, “I still don’t know if it’s right for me” — then keep reading. A health savings account, or HSA for short, is a savings account for medical expenses. But it’s so much more than a savings account you’d get from your bank or through your retirement...