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I love participating in loyalty and reward programs. They’re almost always free, gets you free “stuff,” and there’s really no downside. The only risk is that you overspend, which I’m not prone to do. And if you don’t participate, you invisibly subsidizing the folks who do. It’s like not using a rewards credit card, you

Derek Sivers famously once said “If [more] information was the answer, then we’d all be billionaires with perfect abs.” But that’s not human beings work. It’s usually not about information but human behavior. And our lizard brains, as much as we don’t like to admit it, are in control. And that’s the big reason why

One Finance recently rebranded to OnePay and are now offering a $125 cash bonus through Rakuten. OnePay is a fintech company that works with Coastal Community Bank and Lead Bank (both Member FDIC) to offer banking services. They offer OnePay Cash, which comes with a debit card that offers cash back, no monthly fees, and

I’ve been a huge fan of Southwest Airlines for decades. I live near BWI Airport and fly Southwest for almost all my flights. In the last ten years, I’ve probably flown on another airline fewer than once a year. Their recent business decisions, mostly pushed by the hands of Elliott Investment Management, have made me

When each of our kids were born, we started a 529 plan for them. And while our kids are brilliant and beautiful, you never know if they’ll all go to college. And it’s a lot of money to have invested in an educational account if your kids won’t be using it. Now, given that we

If you are paying for multiple streaming services individually, you may be paying too much. Streaming services are now bundling (ironic, as they started as alternatives to cable) so you can save money by combining streaming services rather than paying for them a la carte. The “best” bundles are the ones being offered as add-ons

It’s easy to find free financial information on the internet. Whether it’s reading blogs, scrolling social media, or listening to podcasts, free financial information is abundant. Free financial advice, however, is much harder to find. Financial advice is financial information tailored to your situation. While it’s useful to understand tax brackets and tax credits, it’s

Getting your teen a checking account can be a great way to start teaching them financial responsibility. If you link your account to theirs, you can easily transfer money and since you are also on the account, you’ll have full access to view transactions. However, checking accounts will have limited parental control. If you want

When I started working out of college, I had one stream of income. My job. Now that I’m in my forties, with twenty-plus years of work behind me, I have several streams of income. Most of them are passive but none of them are special. And on the internet, there are thousands of “charlatans “experts”

When I was younger, I was always in a hurry. Things were never going fast enough. I was impatient. I wanted things to happen immediately and so I pushed and I pushed and I pushed. While I’ve never abandoned that sense of urgency, I knew I had to temper it. Keep the fire burning but

It seems like there’s a major data breach every few months. Just a few months ago, on August 9th, I received this email from ‘;–have i been pwned? It’s just an email address, so not the worst breach ever, but it’s information from a cybersecurity firm I’ve never worked with. More surprisingly, there was no