myRA Roth IRA review

myRA IRA Review – Safe and Legit

No matter how helpful the government could potentially be to its citizens, it typically won’t/can’t get involved in finance because there are huge lobbying dollars behind financial services companies. For example, it would be relatively trivial for the IRS to create a free, online, auto-filing system that would work for most …

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keep the change bank of america

Keep the Change Automatic Savings Program Review

As a former Certified Financial Planner, I can tell you that from a financial advisor standpoint, nothing is better than automatic. Automatic savings, automatic investing, automatic 401k, automatic bill pay, are all great ways to improve your personal finances. It seems like the financial industry agrees. One such automatic savings …

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digit automated savings

Digit Review Scam Legit or Necessary?

Digit is an automated savings service. As always, my first question in a Digit review is, Is Digit a Scam? Then, if Digit is legitimate, the question is what exactly this online financial service does and is Digit worth it for the average person’s personal financial situation. Is Digit safe? …

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Personal Finance Index Card Advice

Back in 2013 on a show, a professor named Harold Pollack made the suggestion that everything the average person actually needed to know about personal finance could fit on an index card. He “proved” his theory by handwriting a list of personal financial advice on an index card, which then …

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Use Accounts to Save and Budget

I talk a lot about the psychology of money. The reality is that no matter how much something makes sense mathematically, it just may not work for most people because money isn’t just something we move around on a spreadsheet. One of the most common questions I see are in …

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