Money Management & Budgeting

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Downloadable Inheritance Timeline Checklist PDF

Navigating a large inheritance is one of the few times in life when grief and complex financial decisions collide. In my 25+ years as...

Downloadable Inheritance Timeline Checklist PDF

Navigating a large inheritance is one of the few times in life when grief and complex financial decisions collide. In my 25+ years as...

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Downloadable Inheritance Timeline Checklist PDF

Navigating a large inheritance is one of the few times in life when grief and complex financial decisions collide. In my 25+ years as...

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...

Mortgage & Home Title Fraud: What Every Homeowner Needs to Know

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...

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Annual Salary to Hourly Calculator: Unlock Your True Earnings in 2025

Did you know that the average American worker spends over a third of their life at work? That’s a staggering amount of time. Yet,...

How To Avoid Paying Capital Gains Tax On Inherited Property – 8 Ways

Did you know that inheriting property could potentially cost you thousands in taxes? While receiving valuable assets is exciting, the looming specter of capital...

Do You Really Need an Estate Plan? Discover the Benefits & Essential Documents

"So, Michael, what happens to everything if something happens to me?" It’s a conversation I’ve had countless times during my nearly three decades as a...

How to Avoid Lifestyle Creep: A 25-Year Planner’s “First Slice Rule” for Your Next Raise

Lifestyle creep is the subtle, ongoing increase in spending that happens when your income grows. Often without conscious decision, leading you to feel just as strapped on $100,000 as you did on $60,000....

The Best Budgeting Apps of 2025: A Planner’s Guide to Finding Your Perfect Match

Let's be honest: choosing a budgeting app feels overwhelming. The market is flooded with options, all promising financial clarity. But I've learned from nearly...

How Long Does It Take To Boost Your Credit Score?

That gut punch denial for a car loan? Or the apartment hunt ghosted because your FICO's stuck at 620? I've been there with clients....

Basic Financial Planning 101: What I Wish I Knew Years Ago

Are you ready to master the art of financial planning and take control of your financial future? Imagine having the wisdom of a seasoned...

Mastering the Kakeibo Method: The Japanese Art of Mindful Budgeting

Have you ever felt overwhelmed by your finances, wondering where your money actually goes? In today's fast-paced world, managing money smartly is a challenge many of...

How to Make the Most of Your Pay Raise? Salary Increase Rule of Thirds by Micheal Ryan Money

That email ping: "Salary adjustment approved." Your heart races, visions of upgrades dance. Then reality bites. As a financial expert with nearly 3 decades...

How to Strategically Hide Credit Card Utilization Rate & Boost Your Credit Score

Ever feel like your credit score is a mystery? You pay your bills on time, but the number just won’t budge. As a retired...

How Much Do Financial Coaches Charge? A 25-Year Planner’s Guide to Cost vs. Value

Let’s get right to the question you’re asking: "how much do financial coaches charge?" But I know from my near 30 years of experience...

DSCR Loans: An Advisor’s 2025 Guide to Real Estate Investor Financing

I’ve spent nearly 3 decades in financial planning, guiding clients through the dot-com bubble, the 2008 crash, and the unpredictable markets that followed. In...