Personal Finance

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 […]

Money dysmorphia is when your perception of your finances doesn’t match reality. You might earn a decent income, have savings, and no debt, yet still feel constantly anxious, behind, or “bad with money.” 5 Signs You’re Infected With Money Dysmorphia You’ve got money in the bank, no debt, maybe even a solid income. And still, […]

Choose a HELOC if you need flexible access to cash over time and can handle variable rates. Consider a home equity loan if you require a lump sum with predictable monthly payments. However, be cautious because you’re literally betting your house, and most people who consider these options have deeper financial problems they’re not addressing. […]