Personal Finance

Investing is how you build real wealth. Here’s how to make it run on autopilot: Learn the few investment options that actually work, open the right accounts in the right order to minimize taxes, automate your contributions so money grows without effort, choose low-cost index or target-date funds, and then do nothing while compound growth […]

When you sell your house with a HELOC, you must pay off the full outstanding balance before the sale closes. The HELOC is a lien on your property, which means your lender has a legal claim that must be settled before ownership transfers to the buyer. The title company handles the payoff directly from your […]

Financial boundaries keep your money working for you rather than for everyone else. Start by knowing your numbers so you can spot the leaks. Create a clear policy for lending money, stop splitting bills that don’t make sense, and say no to plans that blow your budget.  Protect your guilt-free spending from other people’s opinions, […]

Yes, you can buy a house with debt. Most people do. The real question isn’t whether you can, it’s whether you should. Lenders care about your debt-to-income ratio (DTI), which measures your monthly debt payments against your monthly income. If your DTI is below 43% to 45%, you’ll likely qualify for a mortgage.  But qualifying […]