Have Americans been living above their means these past 37 years (since 1980)? I think so. We have borrowed and borrowed (and borrowed) to maintain our prosperity and our exceptional lifestyle. Much of this at the expense of the world’s citizens who provided us the goods. America has 4.4% of the world’s population yet we consume some 23.6% of Global production. How can this happen? Why this favoritism?

Should you save for retirement or pay off credit card debt? If you're carrying a card balance, you may be wrestling with whether to put all your resources into attacking the debt, or start building your retirement nest egg while you slowly pay off debt. To figure out which scenario is better in a given situation, we've done the math for you.

I still find it curious that many investors don’t realize what a significant role royalty and streaming companies play in the mining business...Here are the top six things I believe investors should know about this specialized sector.

When you think of a bucket list, and mention money, it's easy to start daydreaming about things that cost a fortune. However, you don't have to have your head in the clouds to achieve a bucket list of money moments. Here are 8 of the big ones.

Before you blindly accept any money advice you receive, be sure to do some additional research to find out if the advice is outdated. Here are nine examples of financial tips that may no longer apply.

The market crash of 2008 did not just hurt the S&P, it hurt real estate and gold equities. The sell off was brutal. Was 2008 an isolated incident or does a crash in general equities always spell doom for gold and gold stocks? This article examines 5 previous bear markets starting in 1973 in the S&P and looks at the performance of gold and gold stocks.

Central bankers are managing paper currencies for the benefit of the people, not the financial and political elite. Consequently consumer prices are stable and there is no reason to own gold as protection from currency devaluations.

Given the negative real rates, a falling dollar, and heightened correlation between stock and bonds, gold should be an essential part of every investor’s portfolio today.

There are plenty of really useful free websites out there that have historical market data, back-testing tools, risk statistics and scenario analysis capabilities. Here are a number of them that I have found helpful over the years:

Getting a home loan (mortgage) is one of the hardest loans to qualify for but, if you make these 5 money moves before meeting with a lender, you can swing the odds in your favor.