Direct Bitcoin or ETF Exposure? What I Chose—and Why
I don’t currently hold any Bitcoin -- not due to any particular aversion, I simply stick with investments I know and understand. Its role in finance and the investing ecosystem...
How We Reduced Our Tax Burden with S&P 500 ETFs
I recently began shifting more of our cash from a high-yield savings account to our taxable brokerage. We have maintained a fairly high savings rate over the last couple of...
Which is Better: Florida Prepaid or the 529 Savings Plan?
My son was born in 2024, and like many new parents, I wanted to evaluate our options for college savings. The first question I asked myself was, should I use...
No More Penny. What That Could Mean for Consumers.
The penny is coming to an end, and the end of an era is upon us. While the reasons for dropping the penny are understandable – they are rarely used...
The Hidden Financial Value of a 9-5 Job
Most people focus on the salary figure when offered a new job, and that’s understandable. Whether you can cover expenses with enough room to save and invest is the main...
School Tricked You: There is No Formula for Success in Life
School captures our most formative years. It serves as a venue for learning and socializes us in important ways. Intended or unintended, a formula for success emerges: “do this, and...
Should You Buy a New Car, or Keep the Beater?
Used car prices remain high, and new car prices are out of control. The market appears bleak for car shoppers. So, should you buy the new car or keep the...
When it’s Okay to Hold More Cash
“Cash is king.” “Cash is trash.” You’ll hear both of these phrases, and both have merit. Working from the premise that you should maintain an emergency fund (several months’ worth...
Artificial Intelligence Can Help You with Your Finances…Here’s How.
Artificial intelligence is all the rage. AI-related stocks have boomed, and companies are deploying new resources leveraging this exciting technology. If you haven’t interacted with ChatGPT or any of the...
What Your Tax Payment (or Return) Should Be
Tax Day in the U.S. has now come and gone, which means by now you know how much you owe, or how much you will be refunded, for the 2024...