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Living below your means is simply spending less money than you earn each month so you have money left over for savings, investments, and your future goals.  7 Steps On How To Live Below Your Means These steps work best when you follow them in order because each one builds on the previous step to […]

Student loans absolutely affect your credit score, but they’re not automatically “bad debt” that destroys your financial future. When handled properly, student loans can actually help build your credit history and set you up for long-term financial success. What Actually Matters When Student Loans Hit Your Credit Student loans impact your credit score through five […]

Financial wellness means having control over your money, rather than your money controlling you. It’s the difference between checking your bank account with dread and checking it with confidence. Most people think financial wellness is about having millions in the bank, but it’s actually about designing a money system that supports your Rich Life without […]

Credit card interest is calculated daily on any unpaid balance and compounds until the balance is paid off completely. Most Americans pay over $1,200 per year in credit card interest because they don’t understand this simple system. How Credit Card Interest Actually Works Credit card companies calculate interest charges every single day, not monthly like […]