Deciding whether to invest or pay off debt first is one of the most important financial choices you'll make. Learn the 6% rule, how to handle 401(k) matches, and which debts to tackle first based on real data from 2025.
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Your emergency fund needs to be safe, accessible, and earning interest. Learn why high-yield savings accounts are the best choice, why CDs and stocks are risky, and how to build a fund that actually works when disaster strikes.
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The 4% rule helped retirees withdraw safely for decades, but today’s markets make it riskier. Learn how to adapt it for 2025 with guardrails, bond yields, and annuities to make your money last.
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Shared wallets and joint budgets help couples reduce money fights by building transparency, trust, and alignment. Learn how real couples use apps like Honeydue, YNAB, and Goodbudget to manage money together - and avoid the pitfalls that lead to conflict.
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Learn how to create your first investment plan with clear, step-by-step instructions. Start with debt payoff, build an emergency fund, choose low-cost index funds, automate contributions, and rebalance annually. No fluff, no hype - just what actually works for beginners.
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Learn how to use the Backdoor Roth IRA to save for retirement tax-free, even if you earn over $161,000. Avoid the Pro-Rata Rule with clean money tactics and file Form 8606 correctly.
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Emergency funds aren't one-size-fits-all. Learn how to adjust your savings goal based on your income, job stability, family needs, and living situation to build real financial security.
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