Tax Loss Harvesting for Small Portfolios: Is It Actually Worth Doing Under $50K?
A reader emailed me last month asking whether to start tax loss harvesting on his $18,000 brokerage account. An advisor friend had told him it…
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The Backdoor Roth IRA, Step by Step: How High Earners Still Get $7,500 a Year Into a Roth (2026)
The IRS officially says the 2026 Roth IRA is closed to single filers earning more than $168,000 in MAGI. In practice, that limit has been…
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How to Start Investing With $100: 7 Steps to Get Your First Dollar in the Market This Week
Fidelity will let you buy slices of more than 7,000 stocks and ETFs starting at $1. Schwab will sell you a piece of any S&P…
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Cash Stuffing vs Digital Budgeting: Which Is Better for Real People With Real Bills
Pick the wrong budgeting system and you will quit it inside a month — not because you lack discipline, but because the friction is mismatched…
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How Loss Aversion Affects Budgeting: 5 Hidden Traps Costing You Thousands
Last December, a reader emailed me about her budget. She had $4,200 in a checking account, $1,800 in monthly fixed expenses, and a $300 streaming-and-subscription…
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The Three-Fund Portfolio for Beginners: Why Simple Beats Complicated (and the Data Proves It)
Here is a number that should make every beginner investor breathe easier: over the 15 years ending December 2024, more than 90% of actively managed…
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HYSA vs. Money Market Account: What’s Actually Different (And Which One Pays More)
This article is part of our Investing & Wealth Building Guide — a comprehensive overview of building long-term wealth with related deep dives. The national…
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How to Stop Impulse Buying Online: 7 Steps That Actually Work
Online impulse purchases cost the average American roughly $150 to $314 per month, according to a 2023 survey by Bankrate — that’s up to $3,768…
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Status Quo Bias Is Quietly Draining Your Finances — Here’s the Proof
Here’s a number worth sitting with: according to research published in the Journal of Risk and Uncertainty, people are two to three times more likely…
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Roth IRA vs. Traditional IRA in Your 20s: Which Account Wins the Tax Battle
If you open a Roth IRA at 22 and contribute the annual maximum every year until you retire at 65, you could accumulate over $1.7…
