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Pay it off early if your rate is above 6% or if you’re planning major life changes within the next two years. Otherwise, keep your car loan if the interest rate is below 4% and you have an emergency savings account.  That said, if monthly payments genuinely stress you out or you struggle with investing […]

Your minimum payment is the smallest amount you need to pay each month to keep your credit card company happy. Making these payments on time keeps you current but also keeps you broke. Pay the entire balance every month and automate the payment so you never have to think about it again. What is a […]

The easiest way to get better at small talk is to stop trying to impress people and start making them feel interesting. Use simple openers, ask thoughtful follow-up questions, and share just enough about yourself to keep the conversation moving. Why Small Talk Skills Determine Your Success More Than You Think Poor small talk skills […]

Automated investing builds long-term wealth by consistently investing in low-cost index funds without the stress of picking stocks or timing the market.  To start, set up a simple system: open an investment account, pick one broad index or target-date fund, automate monthly contributions, and let compound growth do the work. This approach avoids hidden fees, […]