Financial goals

What are your goals in life? Do you want to travel, go to college, start a family, retire at 40, build a business, or all of the above? Regardless of what your dreams are, reaching them usually requires careful planning and money. These five steps will help you set and achieve your financial goals. 1. […]

debt bill consolidation

How Does Bill Consolidation Work

Do you avoid answering your phone because of too many collection calls? Are you feeling overwhelmed by how many credit cards you have with high balances and high interest rates? Or maybe you only pay the minimum due each month and have a zero balance in your savings account. If you answered “yes” to any […]

Income Volatility

According to a 2014 report issued by the Federal Reserve, nearly a third of all Americans reported experiencing wide variations of income over the course of a typical year. A 2013 Federal Reserve report claimed that for a particularly unfortunate 10% of workers, feast or famine cycles represent a way of life – occurring every […]

Who earns more money, introverts or extroverts? If you said extroverts, you were correct. Extroverts score higher on both job satisfaction and income than introverts, according to the results of surveys conducted in April 2015 by Truity Psychometrics. That’s in no small part because extroverts make up a majority of the American population – by some […]


In just two years time, California has gone from a basket case state with a shortfall of almost one-third the size of its entire budget to having a $7 billion surplus. Why does California, the largest economy in the U.S. with a GDP the size of Russia’s, have such income volatility issues? More importantly, what […]


Saving money for retirement is something that just about everyone knows they should be doing. The sad reality, however, is that very few of us are actually saving enough money to allow us to be able to enjoy a financially comfortable retirement. So, how much money should we be saving each month towards our retirement? […]

When it comes to planning for our financial future, many Americans are content to live carefree in the knowledge that worrying about tomorrow will only ruin a perfectly good today. But there are some of us who have accepted the reality that to secure a stable financial future, we need to start planning for it today. […]

It slips through your fingers as quickly as sand. Money. Kids seem to believe there’s a magic fairy that dispenses dollar bills to mommies and daddies everywhere. It doesn’t matter how often you explain that it doesn’t grow on trees, kids just don’t seem to understand. Related article: How to coach your family to be good […]

The worst has happened to you financially—you lost your job. Before you let the “what ifs” take over and start panicking, stop, take a deep breath, and read this primer on what to do right now to protect your finances. While some wallowing is allowed, the quicker you take proactive action after being laid off, […]