Personal Finance

Daydreaming about retirement is easy, but saving for it, however, takes time and effort — and is something a lot of Americans struggle with - but there are strategies that can help make the process easier. Here are 20 ways to pad your bank account before it's time to retire.

The U.S. is surprisingly low in disposable household income and rather high in income inequality. [In fact,] it is not too much of a stretch to say that the U.S. is now divided into two nations, not entirely separate but increasingly unequal.

When we talk about investing, we frequently talk about stocks as they are likely to make up a the bulk of your investment portfolio during the majority of your investing years but bonds can be a helpful part of your investment mix at any age, and it's important to understand how they work — even if you don't own many of them right now. This article examines bonds and why we should pay close attention to them these days.

So, you don't want to pay full price for anything you buy and why should you? These days, you have so many ways to get around that pesky price on the tag, and with the latest apps and websites on your side, you can save big with very little effort. Here are 28 ways to get out of paying what's on the sticker.

You need to keep your emergency fund in a safe place that gives you easy access to your money but the problem is that traditional savings accounts — the most obvious place to stash emergency fund dollars — pay so little interest. Your money will sit in a savings account safely, but it won't earn you anything, either. This is where T-bills, or Treasury bills, can help.

Why should blue chip stocks be your starting point when creating a diversified portfolio and what exactly defines blue chip stocks? In this post, I...answer those questions and more.

You hear a lot about how great a Roth IRA is for saving for your retirement - after all, who wouldn’t want their money to grow tax-free and be able to withdraw it tax-free too - but there are some additional benefits to investing in a Roth IRA that exceeds just saving for retirement...[and this article] highlights 4...

Whatever the end goal of financial freedom looks like for you, there are a 5 simple key first steps that everyone must take to get there. All you need to do is decide that you are ready to transform your life for the better, and you will be well on your way to living the life of your dreams.

Albert Einstein once said that compound interest is the eighth wonder of the world yet, sadly, many people do not fully understand the power behind it. If they did, they might make smarter financial choices and see their finances improve almost immediately. In this post, I’ll walk you through the basics of compound interest and show you why you need to start taking advantage of its amazing power.

It seems that in order to live the American dream, you need to be super rich or gave a great credit score. Most people have ups and downs with their finances over their lives, however, and this can lead to a less-than-perfect credit score that can be difficult to fix. Many people speculate, though, that the way our credit is scored might be changing in the future so to be able to stay ahead of the credit game, we need to learn what the changes are going to be and how to keep up. Below are a few of the top predictions that most are making and how they can affect most people’s credit scores in their files.