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Understanding Personal Finance: How Federal Income Tax Brackets Work

Taxes are almost as old as the history of civilized society. At its core taxes make government and large swaths of society function. It is also one of the most talked about things in politics as it affects every single person, especially the…
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Our Brains Can't Properly Value the Future; Start Saving by Having Short Term Goals

To be honest, it’s hard to encourage someone to save for retirement, especially for people my age. I’m 23, retirement is such a far off goal that I understand why many people my age don’t even have this anywhere near their radar. Why…
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How to Budget Money So You Can Always "Treat Yo Self" Every Month

“Dear Timothy, Chase Bank has received a $X direct deposit. Your money is now available to be used.” It’s one of my favorite notifications to see on my phone. The minute I see it, I open my chase app. There are dollar signs everywhere…
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How Credit Cards Work and Why You Should Minimize Your Credit Card Debt

Most of the ads I see on Facebook are ones encouraging me to apply for more credit cards. Using the power of the “internet cookie,” Facebook knows that I’m a credit card fiend, and I crave the latest and greatest card with the best rewards…
Savvy Savior
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Why Your Credit Score Matters and How it Can Save You Tens of Thousands of Dollars

Some of the catchiest commercials I watched growing up were the ones from companies offering "Free Credit Reports" (here's a link with some highlights). I laugh now at why these companies used to air commercials about Credit Reports on Cartoon…
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How Saving $1 a Day Can Kickstart Your Retirement Fund

Let me be straight with you, it’s hard to save enough money for your future. Your car breaks down and your insurance charges you $500 for the deductible. Your washing machine overflows and you’re forced to buy a new one. Your phone falls…