🏦 Personal Finance
Loans, credit scores, 401(k), IRA, savings, and financial product comparisons.
How to Choose a Financial Advisor — Types, Fees, and Red Flags
Not all financial advisors are created equal. Some are legally required to act in your interest, others aren't. Learn the types, fee structures, and how to find a good one.
Best High-Yield Savings Accounts 2026 — Top APY Comparison
Compare the best high-yield savings accounts in 2026. Current APY rates, minimum balances, FDIC insurance, and which banks offer the highest returns on your cash savings.
Debt Consolidation Options — Simplify Payments and Lower Interest
Juggling multiple debts? Consolidation combines them into one payment, often at a lower rate. Compare balance transfers, personal loans, and other options.
What Debts Count in Your DTI Ratio? Complete List
Not all monthly payments count toward your debt-to-income ratio. Mortgage, car loans, and credit cards count — but utilities, insurance, and subscriptions don't. See the full list.
Best Time to Shop for Home Insurance — When and How to Switch
Timing your home insurance shopping can save you 15–40%. Learn when to shop, how to switch without a coverage gap, and what triggers a re-shop.
How Home Insurance Claims Affect Your Premiums — What to Know
Filing a homeowners insurance claim can raise your premium by 7–32%. Learn which claims hurt most, how long increases last, and when to skip filing.
Home Insurance vs Home Warranty — What's the Difference?
Home insurance and home warranties cover completely different things. Learn which you actually need and whether a home warranty is worth the cost.
Flood Insurance — Do You Need It? Cost, Coverage, and NFIP Guide
Homeowners insurance doesn't cover flooding. Learn who needs flood insurance, what it costs, and how the NFIP and private options compare.
Employer Benefits You're Probably Not Using — How to Get Your Full $5,000-$15,000+
Your 401(k) match is just the start. FSAs, HSAs, tuition reimbursement, and lesser-known perks can add $5,000-$15,000+ in annual value. Here's what to claim.
Home Insurance Deductible — How to Choose the Right Amount
Choosing a higher deductible can save hundreds per year on homeowners insurance — but the wrong choice can backfire. Here's how to decide.
No-Spend Challenge — Rules, Tips, and How to Save $500+ in One Month
A no-spend challenge means buying only essentials for a set period. Most people save $300-$700 in a single month. Here's how to set rules, stay motivated, and keep the habit.
How to Lower Homeowners Insurance Premiums — 12 Proven Strategies
Your homeowners insurance premium isn't fixed. These 12 strategies can reduce your rate by 15–40% without cutting essential coverage.
What Does Homeowners Insurance Cover? — Complete Breakdown
Homeowners insurance covers more than you think — and less than you expect. Here's exactly what's included, what's excluded, and what you need to add.
Average Home Insurance Cost by State 2026 — Full Rate Comparison
See the average homeowners insurance cost in every state for 2026. Costs range from $800 to $5,000+ per year depending on location and coverage.
New Year Financial Reset — 8 Money Moves to Start January Right
January is the best time to reset your finances. Here are 8 actionable steps — from auditing subscriptions to setting savings targets — that take one weekend.