Cut through the jargon: Stocks & Bonds

A 2018 BBC article noted that “there are an estimated 171,146 words currently in use in the English language.” We have a lot of words and the financial services industry is not shy about complicating straightforward concepts by creating, recreating, and confounding us...

Personal Debt & Credit: The Good, The Bad, and The Ugly

The role of debt in our lives is an important concept in personal finance. I previously described the principle to “spend less than you make.” Therefore, it is important to understand how debt, an option that allows you to pay for something with more money than you...

Emergency Funds: More than just a Savings Account

A recent survey from Bankrate.com found that only 39% of Americans have enough cash saved to cover an unexpected $1,000 expense. While the past year has brought tremendous challenges, the survey’s results have been consistent for years – the majority of us...

Cash Flow Management: An Easier Way to Budget

The importance of “financial wellness” has increased in popularity in recent years. According to the University of San Diego, “Financial wellness is an on-going process and combination of increasing awareness of your current financial state, strengthening your...