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Michael Ryan, Retired Financial Planner | Founder, MichaelRyanMoney.com With nearly three decades navigating the financial world as a retired financial planner, former licensed advisor, and insurance agency owner, Michael Ryan brings unparalleled real-world experience to his role as a personal finance coach. Founder of MichaelRyanMoney.com, his insights are trusted by millions and regularly featured in global publications like The Wall Street Journal, Forbes, Business Insider, US News & World Report, and Yahoo Finance (See where he's featured). Michael is passionate about democratizing financial literacy, offering clear, actionable advice on everything from budgeting basics to complex retirement strategies. Explore the site to empower your financial future.

Cash Reserves or Rainy Day Fund? It’s Not as Hard as You Think

Budgeting & Cash Flow Michael Ryan

When it comes to financial planning, one of the most important things to consider is how to protect yourself in case of an emergency....

Have Finance Questions? Ask Michael Ryan Money Anything (AI-Powered)

Uncategorized Michael Ryan

Have a burning question about your finances? This AI Chat has been trained on every article, guide, and calculator on MichaelRyanMoney.com. What You Can Ask: Retirement...

Payment Scams with Zelle, Cash App & Venmo: 2026 Defense Guide

Banking Michael Ryan

Ever wonder why that Zelle or Cash App payment feels as fast and final as handing someone a $100 bill? Because functionally, it is....

Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Debt Management & Credit Michael Ryan

What if I told you an $895 annual fee credit card could actually be FREE—and even put money in your pocket? Sounds impossible, right?...

The Economic Truth: What Being a Financial Planner Taught Me About Presidential Promises

Investment Planning Michael Ryan

You know what drives me absolutely crazy? Watching politicians tell people exactly what they want to hear about the economy, regardless of what the...

Mortgage & Home Title Fraud: How Crooks Steal Your House (and How to Stop It)

Risk Management & Insurance Professor Alan Saquella

As a security and fraud investigator who teaches White-Collar Crime, I've seen the aftermath. Deed & home title fraud isn't a technical problem, but...

Free Estate Planning Checklist 2026: Secure Your Legacy, Protect Your Family, & Avoid Probate

Estate Planning Michael Ryan

After nearly 30 years of helping families plan their legacies, I've seen firsthand that a well-organized estate plan, and a valid will, is one...

Home Sale Calculator: Profit & Cost Basis Calculator For Capital Gains

Taxes & Tax Planning Michael Ryan

After nearly 30 years in financial planning, the most painful conversations I’ve had were with clients blindsided by a massive tax bill after selling...

Import Car Insurance Tips: Get Covered Without Getting Ripped Off

Property Insurance Michael Ryan

Ever found that perfect car online, the one that was never sold in the U.S., and thought, "I have to have it"? I've seen...

15 Minute Monthly Financial Wellness Check In & Worksheet

Net Worth & Goals Michael Ryan

Last week a client sat across from me and said something I hear at least twice a month. She had no idea where her...

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