Blog
How AI is Reshaping the World of Finance
Blog“How AI is Reshaping the World of Finance" The financial landscape is undergoing a seismic shift, and at the epicenter of this transformation lies artificial intelligence (AI). From the mundane tasks of customer service to the complex calculations...
Repayment Assistance Plan; what you need to know
Blog “Repayment Assistance Plan; what you need to know" The student loan journey is often a long and winding road, and for millions of Americans, it's a road filled with financial uncertainty. The weight of monthly payments can feel crushing, especially when your...
How is my Credit Score Calculated?
“How is my Credit Score Calculated?"Many people live and die by their credit score and do everything humanly possible to improve it. Others take a more passive approach and just try to ensure they pay off their credit card every month and trust they will be viewed in...
You are that Person
“You are that Person"Several years ago, I was walking near Times Square in New York City. As I walked down the street, I noticed an older man standing on the corner. He was well dressed, suit and tie, long coat, and holding a brown paper bag. As people would pass by...
Retirement Survey Across Generations
“Retirement Survey Across Generations"The definition of retirement is changing. Baby Boomers are starting a new trend that says retirement might not mean sitting around and doing nothing. In fact, for most, it is an opportunity to simply have more of a say on how...
A Week in Atlanta, GA on a $57,000 Salary
“A Week in Atlanta, GA on a $57,000 Salary"I’ve been interested in personal finance blogs and money diaries for some time now, but I find what Refinery29 does particularly insightful and helpful. On a consistent basis, their readership volunteers to send in what...
The Intersection of Minimalism and Finance
“The Intersection of Minimalism and Finance"The idea of minimalism seems to have gained momentum over the past decade. From personal experience, I can say it has been a rewarding and interesting journey for our family and I can see why the “movement” has gained so...
New Under-The-Radar Retirement Account
“New Under-The-Radar Retirement Account"For years, the term “Roth” was held just for Individual Retirement Accounts (IRA’s). However, the 401K and Roth IRA have birthed a beautiful child called the “Roth 401K” that a lot of companies are starting to offer to their...
The Rise of Coffee Shaming for Millennials
“The Rise of Coffee Shaming for Millennials"Frankly, as a millennial myself, I’m tired of hearing about how our $5 coffees are the sole culprit that is putting us behind the eight ball for purchasing a home, saving for our kids college, or being set up for...
Your Goals > Stock Market Movements
“Your Goals > Stock Market Movements"Let’s face it, the stock market can be a very scary place. Even if the market is moving up, there seems to be constant headlines about when our next recession will be or what events will lead to a “major correction”. On top of...
Robo Advisor vs. Financial Advisor
“Robo Advisor vs. Financial Advisor"There has been a lot of debate, especially over the last 10 years of a bull market, about the real “value” that a real-life financial advisor brings to a client. During this time, the massive growth of robo advisors such as...
What to Expect from Healthcare in Retirement
“What to Expect from Healthcare in Retirement"Many people decide if they are on track for retirement based on how much they expect to spend each year once they retire. For some people, this will work. However, for the majority of Americans who will face some sort of...
Millionaire Status…What Does it Mean in 2019?
“Millionaire Status...What Does it Mean in 2019?"Let’s be very clear, one million dollars is a LOT of money. Whether it is 1980, 2000, or 2019 the $1 Million mark in net worth has been the hallmark of whether or not you have “arrived” in life. But, what does being a...
Consistency is Attractive
“Consistency is Attractive"In the age of social media, it’s so easy to get caught up in what the latest trends are and then jump around to ensure your life is oriented towards those trends. Older generations can claim that it is a “millennial” issue but keeping up...
Roth IRA or Traditional IRA…Which is Best?
“Roth IRA or Traditional IRA...Which is Best?"The two main types of Individual Retirement Accounts (IRA’s) that you can invest in are a traditional IRA or a Roth IRA. The main difference between the two accounts is how and when your money is taxed. With a Roth IRA...
Your Future Deserves the Best of Your Present Self
“Your Future Deserves the Best of your Present Self"Your future (and the future of your loved ones around you) deserves the absolute best of your “present self”. This video clip (click on the title of the blog post above!), while nothing to do with finances, is a...
What if I didn’t Graduate from Morehouse College in 2019?
“What if I didn't Graduate from Morehouse College in 2019?"Unless you’ve been living under a rock these past few weeks, then you’ve seen the incredible act of generosity that Robert F. Smith extended to the Morehouse College graduating class of 2019. If you don’t...
What is an HSA and How is it Triple Tax Free?
“What is an HSA and How is it Triple Tax Free?"Since their inception in 2004, the interest in Health Savings Accounts (HSA’s) has surged and estimates now show roughly 25 million HSA accounts exist across the United States. However, even with this growing interest...
Most Americans are Unprepared for Retirement
“Most Americans are Unprepared for Retirement"Perhaps this type of headline gets old, but the unfortunate reality is that it’s true! Based on research recently completed by the CFP Board, roughly 26% of Americans delay retirement savings until their 30’s, while...
The Student Loan Debt Reality
“The Student Loan Debt Reality in America"While it might not be visibly apparent in the bull market economy of the last decade, the reality behind the scenes is that student loan debt is now the second largest outstanding debt that American households have behind...
I’m New to Atlanta and need my Finances in Order!
“I'm New to Atlanta and need my Finances in Order!"Moving to a new city is never an easy task. For one, you give up what was familiar and known about your previous home, and secondly you encounter many new challenges and obstacles (especially financial ones) as you...
What Is Private Mortgage Insurance?
“What is Private Mortgage Insurance (PMI)?" For many people, putting a 20% down payment on a new house is not an easy task. With house prices growing at incredible speed since the 2008 recession, many major cities and suburbs are becoming un-affordable for the...
Know the ROI of College Education
“Know the ROI of College Education"Student loans are an incredibly scary but real thing for millions of Americans. With the cost of college consistently increasing at a faster rate than inflation it is difficult for many people to graduate without some sort of...
Work Optional
“Work Optional"For many people “retirement” has always been their goal. They dream of completing their working career and then relaxing on vacations or doing nothing just because they can. For me, retirement means being done with mandatory labor and embracing the...
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