If you’ve ever beaten yourself up for not doing a great job saving money, today’s the day to let go of that guilt. You’re not alone. Most people don’t struggle because they’re lazy or bad with money—they struggle because the system is designed to make you spend. The good news? You don’t need spreadsheets or …
Nobody dreams of waking up buried under 29% APR and a mountain of shame. But here we are—dreading every credit card statement like it’s a jury summons. Here’s the $16,000 truth (yep, that’s the average U.S. household credit card debt): Credit cards aren’t the problem. It’s how we use them that gets us stuck. So, …
Just when you thought prices were finally cooling down and your grocery bill didn’t make you want to cry in the parking lot—bam! Inflation is rolling in like a wrecking ball. And let’s just say, if your wallet had feelings, it would be filing for emotional distress right about now. Inflation’s Back—And It Brought Friends …
Feeling like your finances are running the show while you’re barely hanging on? You’re not alone—financial anxiety is real, and it’s more than just numbers. In this episode, Steve and Damon dive into the sneaky ways debt messes with your mental health, the telltale signs of financial stress (spoiler: if you think you have a …
Debt plays a crucial role in determining your credit score, influencing various aspects of your financial life. How Debt Affects Your Credit Score is a crucial topic that many overlook, yet it can significantly impact your financial future. This guide provides a thorough look at how debt impacts credit scores, covering both direct financial effects …
Did you know that 35% of mortgage applications are denied due to a high debt-to-income ratio—even for people with great credit? Ever wonder why that happens? Even for applicants with great credit scores? Understanding the balance between your debt-to-income (DTI) ratio and your credit score can make or break major financial decisions, like buying a …
Let’s be real—debt isn’t just about money. It’s about stress, exhaustion, and feeling like no matter what you do, you’re stuck in an endless cycle. If you’ve been worrying about bills, dodging bank statements, or feeling hopeless about your financial future, you might be experiencing debt burnout—and the worst part? Most people don’t even realize …
Ever looked at an apple and thought, “That’s red,” only to realize that color is just your brain interpreting light waves? Wild, right? Well, your perception of debt works the same way. What you think is happening with your money isn’t always what’s actually happening—and that disconnect can cost you big time. The Reality Filter: …
Introduction Retirement security is top of mind for millions of Americans, especially as the Social Security Administration (SSA) projects future funding challenges and changing benefit levels. According to the Federal Reserve and EBRI (Employee Benefit Research Institute), total U.S. retirement assets have surpassed $40 trillion in 2025, yet the average household remains underprepared for retirement. …
Saving for retirement is an important financial task. And while there are plenty of options available, many Americans are still confused about how best to prepare for retirement. In fact, only 34% of Americans said they were knowledgeable about independent retirement accounts, according to a recent study by the LIMRA Secure Retirement Institute. And only …