Personal Finance

General wisdom says “you must invest” – but for most people it feels too overwhelming and complex to even consider. Luckily, there is one easy way to invest: target date funds. Target date funds embody the 85 Percent Solution: not exactly perfect, but it’s one of the simplest investment choices anyone can get started with […]

The short answer is that it really depends on your specific situation. After two decades of teaching personal finance to my students, the worst thing you can do is pay a flat fee for a financial advisor when most of you won’t ever need one. In this post, I’ll explain my philosophy on DIY financial […]

Bad money habits are behaviors that quietly drain your wealth and keep you from reaching your financial goals. In this post, we’ll uncover seven common habits that might sabotage your finances and show you how to break free from them. 1. Impulsive spending Impulsive spending is one of the most common habits that can wreck […]

When deciding between Betterment and Wealthfront, the answer isn’t one-size-fits-all. It depends on your investment style, account size, and financial goals. While both platforms excel as robo-advisors, subtle differences in features, pricing, and user experience may make one more suitable for your needs. In this post, we’ll break down the key features of Betterment and […]