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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? As 2025 draws to a close, you only have a few weeks left to do all those "year end money moves" people talk about it. If you aren't sure what I mean, here are a few ideas of what you can do before January 1st. These are things like harvest capital gains or losses, accelerate deductions, etc. Better to start them now than scramble December 30th! Happy holidays! π² Best Bank Rates (as of 12/16/2025): High Yield Savings - 4.31% APY from Axos Bank Certificates of Deposit (see...
Good morning Reader? When I was younger, I was very much an optimizer. I had the time to analyze and study and deliberate on what was best. As I've gotten older and my responsibility has increased, I've slowly morphed into a satisficer. That's someone who is quick to make decisions and that may mean you don't get the optimal result, but a "good enough" one. This is why I invest in index funds, have just a few credit cards, and automate practically everything. I really enjoyed Christine Benz's...
How are you doing Reader? It's felt like every investment has gone up this year. Stock market, bonds, precious metals, crypto... But crypto has been getting hammered lately and one of the reasons is known as the "yen carry trade." It sounds more complicated that it is - it just means that when Japan has low interest rates, people borrow in yen, exchange it into U.S. dollars, and then invest the money in assets in a higher rate economy (i.e. United States). When the Bank of Japan hints at...