Food. It’s the third-highest expense for Americans and usually people’s biggest budget buster.1 Whether it’s your daily coffee run, lunch with your coworkers, or a last-minute dinner via Postmates, eating out isn’t cheap—especially as food prices continue to go up. But just how much should you spend eating out each month? Let’s talk about it!…
Back in the old days, the state and local tax (SALT) deduction was arguably the most popular tax deduction in America. You probably remember your parents or grandparents saving every receipt—even on small purchases like a box of nails or a single heirloom tomato—and stuffing them in a manila folder.…
Did you ever wonder why taxes are so often mentioned in the same sentence as death? They’re both unpleasant, and you can’t, in the end, avoid either of them. But that doesn’t have to get you down! Your business is killing it and your customers are being served. You just…
Children are a blessing. Even when they test you (looking at you, teenagers and “threenagers”), you wouldn’t trade them for anything. You know what else kids are? Expensive. From buying thousands of diapers to saving for college, it all adds up. And fast. Even Uncle Sam knows how expensive raising kids…
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If you work for a nonprofit or tax-exempt organization, you might’ve noticed that something’s missing from your retirement options. Wait a minute, you say to yourself, why isn’t there a 401(k) option in here? That’s because most teachers, government employees, nurses, doctors and others who spend their careers…
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2. Coaching and Tutoring Take stock of your areas of expertise – maybe you speak a second language or solving math equations comes…
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For the fifth straight year, Forbes is partnering with market research firm Statista to rate insurance companies in the United States. But we…
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If you’re struggling with student loans, car payments or credit card debt, we know how overwhelming it can feel. And with so many “debt relief” options out there, it’s hard to know which ones you should trust and which ones are just a waste of time. But there is a…
You’ve probably heard of Murphy’s Law, right? It says that anything that can go wrong will go wrong. If Murphy has set up camp in your spare bedroom and you’re not sure how you’re going to cover those emergency expenses or pay down your debt, we get it—it can be…
Wondering just how much debt the average American has? We’ve got you covered! We’re going to look at the average American debt and break it down by age and different types of debt, like student loans, mortgages and credit cards. These numbers may make it look like everyone is drowning…
It’s weird to look back over 20 years and see how much has changed in your world. For me, it’s things like, The Dave Ramsey Show is now The Ramsey Show. I’m no longer the only host—I co-host the show with the Ramsey Personalities. My company had fewer than 200…
Generosity is super important to me. I believe it goes hand in hand with contentment and helps us avoid this instant gratification lifestyle that’s just so easy to fall into these days. And one of the many ways to be generous with your money is by giving tithes and offerings.…
If there’s one thing we can all agree on, it’s that a college education is expensive. And although student loans are advertised as the easiest way to pay for college, they’re actually a huge burden on your financial future. That’s why it’s important to plan for your children to go to…
An index fund is a kind of mutual fund that mirrors a financial market index, like the S&P 500. So an S&P 500 index fund would invest in companies included in the S&P 500 index, and the fund’s performance would keep pace with the index. Index funds have a reputation…
You may already know about the tax advantages of investing for retirement with a Roth retirement account. Tax-free growth and tax-free withdrawals in retirement? Sign us up for that every time! And if your money gets to grow from the start in a Roth account, all the better. But you…
The sweeping new tax and spending bill that President Donald Trump signed into law on July 4 contains numerous new provisions and will have a major impact on almost all Americans. Among other effects, the new law will leave roughly 17 million people without health insurance, according to an estimate…
While your 401(k) at work and a Roth IRA are the best ways to save for retirement, they’re not the only ways to invest. That’s where a brokerage account comes in. Under the right circumstances, brokerage accounts (or taxable investment accounts) can give your nest egg a bigger boost beyond your tax-advantaged retirement accounts.…
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