What is a Liquid Asset? Michael Ryan’s Clear Guide to Financial Readiness
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…
Money Management Archive
Older guides on budgeting, debt, credit, banking, cash flow, reserves, net worth and financial goals.
Best Rocket Money Alternatives 2026 – Planner’s Review
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…
No Spend Challenge 2026: Rules That Actually Work
A no-spend challenge is a temporary reset, not a vow of poverty. For a week, a month, or another defined period, you keep paying for necessities and deliberately…
Negative Credit Card Balance: What It Means & What to Do
A negative credit card balance means the card issuer owes you money instead of you owing the issuer. It usually happens after an overpayment, refund, statement credit, fee…
Chase Mobile Check Deposit 2026: Limits, Timing & How It Works
If Chase put a 7-day hold on your check, start with the hold notice—not with a generic “how long do checks clear?” timeline. The notice should tell you…
Where Can I Load My Chime Card for Free? 2026 Locations
If you have cash and need to put it into your Chime account, the cheapest answer is simple: go to Walgreens or Duane Reade. Chime currently says cash…
How to Get Your Personal Finances in Order in 2026
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…
Bank Overdraft Fees: How They Work and How to Avoid Them
Bank overdraft fees are usually preventable once you know which transaction caused the shortfall and what overdraft setting your bank is using. Start by checking whether the charge…
How to Reach $500K, $1 Million or $2 Million: Savings & Investment Goal Planner
You usually don’t “save” your way to $1 million the same way you save $10,000 for a car. For a long-term goal like $500,000, $1 million or $2…
Why Didn’t They Teach Me This in School? Summary & Review (2026)
If personal finance still feels like a class everybody else somehow took, Cary Siegel’s Why Didn’t They Teach Me This in School? is still one of the easiest…