To most people in the United States, a college degree is something that seems totally unaffordable. The median household income in the United States in 2017 was $61,372, according to the Census Bureau, while the average cost for private universities for the 2018-2019…Learn More
When people try to explain the dangers of markets, they use works like “risk,” “volatility,” and “time horizon.” Compliance offices love those words. They sound tame, despite the fact that they don’t really do justice to the underlying message that actually answers the question of what …Learn More
So you’ve got $10,000 in credit card debt. And let’s also hypothesize that the interest rate on that balance is 20% per year. So right off the bat, if your balance stays exactly where it is, you’re going to owe $2,000 in interest over the course of the year. But that also assumes that …Learn More
When asking the question of when you should do anything, the first thing you need to ask yourself is what it is that you’re really doing, and then if that is going to materially improve any aspect of your life as a result of that action. So let’s look at the case of creating a last will and…Learn More
A budget is a relatively simple tool – you track money that you earn in the form of income, you track money you spend in the form of expenses, and you try to maintain a desired level of cash flow. Income minus expenses equals that cash flow, and if you do it right, hopefully …Learn More
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