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Student Loan Repayment Strategies: Choosing the Right Income-Driven Plan
Federal income-driven repayment plans can cut your monthly student loan payment based on income and family size. Here's how to pick the best strategy.
Sarah Coleman
Author
Personal finance writer focused on practical budgeting systems, high-yield savings strategies, and first-generation wealth building for millennial and Gen Z readers.
- budgeting
- savings
- personal-finance
- wealth-building
Published articles
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HSA versus FSA: Which Health Savings Account Is Right for You
Health Savings Accounts and Flexible Spending Accounts both offer tax benefits for medical expenses, but they work differently and suit different situations.
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High-Yield Savings Accounts and FDIC Insurance: What You Need to Know
Discover how high-yield savings accounts offer better returns than traditional savings while FDIC insurance protects your deposits up to $250,000 per account.
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How to Build an Emergency Fund in the United States: Comparing the Three-to-Six Month Rule
Compare emergency fund strategies to find the right safety net size for your income stability, expenses, and risk tolerance.
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Understanding Diversification and Risk in Investing
Learn how spreading investments across different assets can help manage risk and build a more resilient portfolio for long-term wealth creation.
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FOMC July Meeting: What the Federal Reserve Decision Means for Savings Rates
The Federal Reserve's July rate decision ripples directly to your savings account. Here's when to expect changes and what savers should do now.
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Summer Financial Check-In: Are You on Track With Your 2026 Money Goals?
Use this mid-year checklist to review your progress on savings, debt, retirement, and budget goals, then adjust your plan for the second half of 2026.
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The Fed Is Not Meeting This Week: What the Next Decision Could Mean for Savings and CD Rates
The next scheduled Fed decision is not this week, but savers should still watch rate signals closely. High-yield savings accounts and CDs can reprice before and after Fed meetings.
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The Fed's 2026 Outlook Shift Is Good News for Savers
The Fed's latest 2026 rate outlook points to fewer near-term cuts than previously expected. That could keep savings accounts, CDs, and Treasury bills attractive for longer.
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Dave Ramsey Slams Trump Accounts for Babies: Put That $1,000 to Better Use
Financial guru Dave Ramsey criticizes the new government-backed baby investment accounts, arguing parents should redirect the funds toward debt and emergency savings first.
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Gen Z Is Putting Investing First: Platforms That Can Help Beginners Start
Younger investors are getting started earlier, often through low-cost apps, brokerage accounts, and automated portfolios. Here are the platform types worth comparing before you invest your first dollar.
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The Roth Conversion Strategy Affluent Investors Over 60 Are Using to Empty Their 401(k)s
Affluent retirees are strategically converting traditional 401(k) assets to Roth IRAs before required minimum distributions begin, a move that can save hundreds of thousands in future taxes and preserve wealth for heirs.
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Where to Invest in 2026: Fixed Income, Stock Market Opportunities, and Portfolio Strategy
From high-yield Treasury bonds to growth stocks, explore the top investment opportunities shaping portfolios in 2026 and how to allocate your capital strategically.
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How to Analyze REIT Performance and Rebalance Your Portfolio Every Six Months
Learn a systematic approach to reviewing your real estate investment trust holdings semi-annually and adjusting your portfolio for optimal performance.
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Where to Put $1,000: Comparing Yields on Savings Accounts, CDs, and Treasury Bonds
When the Federal Reserve raises rates, your cash earns more. Here's how much $1,000 returns in high-yield savings accounts, CDs, and Treasury securities, plus which option fits your timeline.
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How to Plan a Summer 2027 Vacation Without Breaking Your Budget
Learn practical steps to plan an affordable summer vacation through early booking, smart savings strategies, and budget-friendly travel choices.
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How to Start Investing in Index Funds: A Beginner's Guide
Index funds offer a simple and effective way to build long-term wealth. This guide breaks down the essential steps to open an account, choose the right funds, and start investing today.