CREDIT SCORES & CREDIT UTILIZATION
Your credit score affects more than loans—it impacts your insurance, job, and rent. Learn what truly affects your score, why credit utilization is key, and get expert, step-by-step advice on how to improve your financial flexibility today.
Know Your Monthly Cost of Living: The Foundation You Can't Ignore
Do you know your true monthly cost of living? Most don't. Learn why this number is the foundation of financial security, essential for your emergency fund, and the key to replacing anxiety with control. Get an expert's simple 5-step plan.
Building Financial Resilience in Uncertain Times
In our recent conversations, I've noticed a common thread of concern about factors beyond our control: inflation pressures, potential tariffs, market fluctuations, and economic uncertainty. These issues are legitimate and worth understanding, but focusing exclusively on them can leave us feeling helpless and anxious.
Understanding Your Risk Capacity in Retirement Planning
When Andrea came to me about her retirement plans, she described herself as "very conservative" with investments. At 52, she was hoping to retire at 62 and had been keeping most of her substantial savings in certificates of deposit and money market funds to avoid market volatility.