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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...

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...

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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...

15 Minute Monthly Financial Wellness Check In & Worksheet

Last week a client sat across from me and said something I hear at least twice a month. She had no idea where her...

Psychology Backed Financial Goals Worksheet. Behavior Meets Strategy

In my 25+ years as a financial planner, I've learned a powerful truth: the clients who succeeded weren't the ones with the most complex...

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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...

The Payday Loan Calculator: Exposing the True Cost of a Quick Fix

Taking out a payday loan often feels like grabbing a lifeline. When you're facing an unexpected bill and your bank account is empty, that...

What If I Don’t Make 3 Times The Rent? Practical Tips & 3X Rent Rule Calculator

So, you're on the hunt for a new home to rent, but you've come across the common requirement of making three times the monthly...

What Is The Associated Bank Routing Number? 3 Safe Ways to Find It!

Did you know that routing numbers have been facilitating secure money transfers between banks since 1910? This long-standing system plays a vital role in...

Chime Withdrawal Limits (2025): ATM, Daily & Cash Back Rules

We’ve all been there. You’re standing at an ATM, you need cash, and you get that dreaded message: “Transaction Denied.”  As a financial planner, I can...

How Long Does a Zelle Transfer Really Take? An Expert’s Guide

You sent the money. Maybe it was for rent, a contractor, or a gift for your daughter. The Zelle app said "sent," but the...