Debt Management & Credit

HomeMoney ManagementDebt Management & Credit

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

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...
Michael Ryan

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

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

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

More News

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

Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...

What Credit Score Do You Start At? What It Means & Why It Matters in 2026

"Michael, what credit score do you start at?" It's a question I've heard from hundreds of young adults and new arrivals over three decades....

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...

Explore more

Different Types of Student Loans: What You Need to Know Before You Borrow

Michael Ryan
Are you overwhelmed by the maze of student loans out there? You're not alone. In fact, 70% of college students graduate with a significant...

7 Credit Card Scams That Hack Your Brain, Not Just Your Wallet: A 2025 Defense Guide

Michael Ryan
You get a text message, supposedly from your bank: “Suspicious activity on your account. Click here to verify.” Your heart is pounding. Is this...

What is Grid Code G? A Planner’s 4-Step Guide to Removing It

Michael Ryan
On March 12, 2024, I sat across from Karen, who’d just trusted me with her retirement plan for the tenth time. When she blanched...

Money Stash App Review: Legit Cash Advance or a Debt Trap?

Michael Ryan
When you’re in a tough spot and need emergency cash, the promise of a fast, no-credit-check loan can feel like a lifeline. You’ve probably seen...

The Chime Users Reality of Online & Same-Day Payday Loans (2025): Guide to Avoiding Traps

Michael Ryan
Hello, Michael Ryan here. With almost 30 years in financial planning, I’ve seen countless financial innovations. And just as many ways for folks to...

Your Credit Score’s Secret Weapon? Credit Utilization in 2025: Calculator & Worksheet Inside!

Michael Ryan
Ever stared at your credit score and felt like it’s some mystical number decided by a secret society? You think you're alone? After 25...
Load more