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Information to help you along your journey to a brighter financial future.

Stop Thinking About Managing Your Money

The other day, I heard something that got me thinking.  It went something like this:  “We talk about behavior change as a difficult lengthy process that involves goals, work, and rewards.… Well, we change our behavior all the time”. For example:  almost every day, we get up off our butts, walk out the door, and…

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A Guide to Your College-Savings Options

College

Finding the right vehicle to save for college can be daunting. There are many choices, and it can be difficult to discern the differences between each type of account. Below, we’ve outlined a few salient features of a few of the most common college-savings vehicles, including the tax treatment for each, how much you can… Read more

Can I Throw This Financial Paperwork Out?

Morningstar

One of the most common sources of confusion regarding financial matters doesn’t relate to investments, or how to get rid of debt, or how to invest for college. Rather, it’s a lot more mundane: Which financial documents do I need to hang on to–and for how long–and which can I safely toss or shred? And… Read more

Rainy Day Fund 101

It’s officially rainy season, which usually means breaking out those rain boots and inspecting your house for any necessary repairs. And just as you would prepare for a rainstorm, you should make sure you’re ready for a financial “rainy day”: when you might encounter an unexpected expense, such as a flat tire or an unplanned… Read more

How Should Younger Investors Think About Social Security?

Social Security

We outline some scenarios for Social Security that younger investors can use to determine their own savings rates. Q: If you’re a younger investor–in your 20s, 30s, or even 40s–how do you factor Social Security into your retirement savings equation? A: This is an important question for younger investors, and a topic that is hotly… Read more