Retirement Planning
How a Backdoor Roth IRA Works for High Earners
You got a raise, filed your taxes, and found out your income is now too high to contribute to a Roth IRA directly.
Your bank keeps suggesting a money market account, the rate looks a little better than your savings account, and you cannot tell whether it is a real upgrade or just a fancier name.
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Retirement Planning
You got a raise, filed your taxes, and found out your income is now too high to contribute to a Roth IRA directly.
Investing for Beginners
You have decided to invest in a broad index fund, opened the brokerage app, and found two versions of what looks like the same...
Credit & Debt
You have three or four credit cards, each with its own due date, its own minimum and an interest rate somewhere north of 22...
Taxes Simplified
You filed in April, the refund landed, and now a corrected 1099 shows up in the mail or you realize you forgot to claim the...
Saving & Banking
You have 28,000 dollars saved toward a house down payment and a plan to buy in about two years, and you keep wondering whether...
Retirement Planning
One of you is home with the kids, between jobs, or caring for a parent, and that partner's retirement savings have stopped...
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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.