Money Management

Feeling like your finances are a tangled mess you'd rather ignore? You're not alone. A shocking 68% of Americans couldn't cover a $400 emergency expense without borrowing or selling something, according to the Federal Reserve. That statistic, is a flashing red light. So, you want to get a real handle on...

So, "six figures salary." The phrase alone can conjure images of success, stability, maybe even a touch of luxury. If you've searched for it, you're not just after a number. You're probing its real meaning, its power, and its potential pitfalls in today's world. I'm Michael Ryan, and after...

Ever wondered how fast you could get your hands on cash if life hit the fan today? If that question makes your stomach drop, you’re not alone. After decades in the financial trenches, I’ve watched “liquid asset” confusion and poor monetary accessibility ruin more plans than any bear market...

Alright, let's have a frank conversation. You've likely landed here because Rocket Money, despite its slick ads promising to be your financial superhero, might be feeling more like a sidekick with a few too many holes in its cape. In my 25+ years as a financial planner, I've seen...

Ever feel like your hard-earned cash has a mind of its own, vanishing before you even get a chance to tell it where to go? If that strikes a chord, you're in good company. After 25+ years as a financial planner, I’ve seen countless clients wrestle with this exact...

Spotted a minus sign on your credit card statement and now you're wondering if you've broken the bank or stumbled into free money? After nearly 30 years as a financial planner, I've seen that little negative balance on your credit card cause more confusion than a tax form in April!...

Still driving to the bank to deposit checks? With Chase Mobile Check Deposit, you can snap a photo and get your funds. Often by the next business day. Here’s how to save time and avoid deposit headaches with Chase’s top-rated mobile feature in 2026. With over 25 years as a...

So, you've got a Chime card and you're looking for the smartest, cheapest way to get cash onto it. The big question always comes down to: how can I avoid those pesky fees that eat into my hard-earned money? Chime has made a name for itself by offering a lot of...

Are you ready to get your personal finances in order? Don't wait for a New Years Resolution, start today!! I’m Michael Ryan and for nearly 30 years, I’ve been in the trenches with folks just like you. Helping them cut through the noise, bust the myths, and build...

So, you're eyeing Rocket Money. Or maybe its subscription-slaying reputation has you wondering if it's the only answer to those phantom gym memberships bleeding you dry. Perhaps you're already using it and thinking, "There has to be an alternative that better than Rocket Money that suits my actual budgeting needs, not just cancelling...