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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...
Michael Ryan

What Credit Score Do You Start With? The Surprising Truth About Being Credit Invisible (2025 Guide)

How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

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How to Choose The Best Rewards Credit Card in 2025: The One That’s Right For YOU

Are you trapped by credit card offers? You're bombarded with ads for colossal sign-up bonuses. And hear stories of friends booking international flights with...

What Credit Score Do You Start With? The Surprising Truth About Being Credit Invisible (2025 Guide)

"Michael, what credit score do you start at?" It’s a question I’ve heard countless times in my 25+ years as a financial advisor. Young...

The 15/3 Credit Hack: Fad, Fiction, or Fast Track to a Better Score? A Planner Exposes the Truth.

Alright, Michael Ryan here, and let's talk about something that’s been buzzing all over social media: the "15/3 credit hack." You've likely seen the videos. Someone...

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Mastering the Art of Credit Card Balance Transfer: Guide to Optimize Credit Card Debt

Michael Ryan
Are you feeling suffocated by the weight of your credit card debt? Are you tired of seeing your hard-earned money vanish into a black...

Student Loan Off Your Credit Report? Here’s Why (2025)

Michael Ryan
Did a student loan suddenly vanish from your credit report? Or are you trying to remove one? Before you celebrate or panic, let's be...

What Salary Do You Need to Afford a $700k House in 2025?

Michael Ryan
Forget the generic online calculators for a moment. For a $700,000 house in 2025, the responsible income isn’t one number, It’s a spectrum from...

Emergency Loans for People on Disability: A 2025 Guide to the Safest Options

Michael Ryan
When you're living on a fixed disability income and a financial emergency hits, a car repair, an unexpected medical bill, the stress can be...

Discover Card: A Joke or a Genius First Credit Card?

Michael Ryan
Let's get this out of the way. You typed "Is Discover Card a joke?" into a search bar because you've heard the whispers. Maybe...

What Starting Credit Limit Will Venmo Give Me? A 2025 Data-Backed Answer

Michael Ryan
So, the Venmo app is dangling its credit card in front of you, and you're tempted. But before you agree to that "hard pull"...

FAFSA On The Web Has Encountered An Error: What it Means, How to Fix It, and What to Do

Michael Ryan
FAFSA On The Web Has Encountered An Error. We Apologize For Any Inconvenience This May Cause. If you're reading this, chances are you've encountered the...

Maximize Your Budget: How Much Rent Can I Afford on 50k?

Michael Ryan
As a financial planner, I was often asked the question: how much rent can I afford on 50K? It is an important question for...

I Make 30k A Year Can I Buy A House

Michael Ryan
Are you making $30k a year and wondering I make 30k a year can I buy a house? The answer is yes - but...

What is FAFSA? The Ultimate Key to College Loans & Funding – Find Out Now!

Michael Ryan
As a father and financial expert, I know firsthand the challenges of navigating college finances. If you've been searching for financial aid, you've likely...

Missed the FAFSA Deadline? You’re Not Screwed, But You Need This 3-Step Emergency Plan NOW

Michael Ryan
That sinking feeling in your stomach is real. You just realized you missed a FAFSA® deadline, and your mind is probably jumping to the...

Credit Card Cash Back Rewards: A Beginner’s Guide to Earning More

Michael Ryan
You see the ads and hear the term all the time: "credit card cash back rewards." It sounds like free money, but the world...
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