Marcus Chen
Signs Your Family Is Living Beyond Your Means — And What to Do Next
A family living beyond its means rarely knows it until a sudden expense makes…
How to Tell if Your Budget Is Actually Working — The Three Indicators
A budget that is working produces visible results within 60 to 90 days. Not…
How to Stop Overdrafting Your Bank Account Every Month
Overdraft fees average $35 per occurrence, and a single day with multiple transactions can…
What Is a 401k and Should You Max It Out Before Paying Off Debt
If you have ever stared at your 401k enrollment form and wondered whether it…
How to Start a College Fund for Your Baby With Very Little Money
The best time to start a college fund for your baby is as early…
How to Save Money When You Are Already Living Paycheck to Paycheck Right Now
Saving money when you are already living paycheck to paycheck feels like advice designed…
The 50/30/20 Budget Rule Explained for Families Who Cannot Make It Work
The 50/30/20 rule is one of the most popular budgeting frameworks out there, and…
What Is a High Yield Savings Account and How Do You Open One
A high yield savings account is a savings account that pays a significantly higher…
How to Cut Your Grocery Bill by $200 a Month Without Meal Kits
Most families could cut their grocery bill by $200 a month without giving anything…
What to Do With a $500 Tax Refund to Make the Most of It
A tax refund does not feel like real money until it is gone, and…
When to Pay Cash vs Finance a Purchase — How to Decide Every Time
Paying cash for a major purchase feels financially responsible, and sometimes it is the…
How Much of Your Income Should Go to Rent — The Real Numbers
The 30% rent rule originated in a 1969 US housing act as a benchmark…
