Retirement Planning
How a 401(k) Employer Match Actually Works
A friend of mine worked at the same company for three years contributing 3 percent of her $100,000 salary to her 401(k).
Put $500 a month into a fund for 30 years, earn 7 percent a year before fees, and you end up with roughly $610,000. Pay a 1 percent expense ratio on that same fund and the ending balance drops to about $502,000.
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Retirement Planning
A friend of mine worked at the same company for three years contributing 3 percent of her $100,000 salary to her 401(k).
Credit & Debt
Most people treat their credit card interest rate as a fixed fact of life, like the weather. It is not.
Games
Game designers worked out something about human behaviour that most personal finance advice only gestures at.
Investing for Beginners
A question I heard constantly when I worked in collections, usually from people who had just made a payment arrangement with...
Taxes Simplified
The first time I tried tax-loss harvesting, I sold a losing fund on December 9, felt clever for about three weeks, and then...
Games
Anyone who has traded items in an online game for long enough has either been scammed or watched a friend get burned.
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Archive
Three writers who each spent years on a different side of a money decision: a former family financial planner who got tired of budget templates that assume nobody has an irregular paycheck, a one-time collections rep who now explains what a credit report actually shows, and someone who has tracked her own index fund returns since she was twenty four and writes from that spreadsheet, not a textbook. Every article carries a byline, and the numbers shown are worked through, not rounded to make a point.