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I have been writing about money for nearly 20 years and believe that personal finance is one of those subjects that is made complicated because it benefits a select few. Our aim is to help make it easier to understand so that regular folks can use what we teach to take control of their money and build wealth.
Good morning Reader! π First, a massive THANK YOU! Your support and your votes pushed us into the lead in Debt.com's 2026 FinTalk Awards and we were able to win Best Short-Form Content! But more importantly than the award were your emails of support and love and thanks for these emails. It really means a lot to me to hear from you, thank you for reading! π° In financial news though, it's time for savers to shine. The Fed is meeting tomorrow and interest rate traders think there's an 92.4%...
Good morning Reader! A company recently reached out to me about their negotiation service. You give it all the bills you pay, they try to use AI to negotiate down the monthly charge, and you only pay if they are successful. (I'm not sharing their name because I want to learn more about it) I'm not entirely sure if they can help me personally as I try to negotiate one bill each month (that list has 12 targets). It doesn't always work. It doesn't have to though. I just give it a try and if it...
Good morning Reader! The 10-year Treasury is creeping up to levels we haven't seen since 2025 and the 30-year is around 5.27%. Rates are going up. Interest rate traders now see a 66.2% chance the Fed increases the target federal funds rate. If that wasn't enough, Japan's 10-year just hit 4% for the first time since 1996. That's important because with higher interest rates in Japan, the yen carry trade becomes less attractive. But, I'm not changing anything I'm doing. I'm decades from...