How to Create a Zero-Based Budget (Give Every Dollar a Job)
A zero-based budget assigns every dollar of income to a specific purpose. Nothing is “leftover.” Here is how to set one up,…
Jenny B. is the personal finance researcher and editor behind Finance Pulse. She holds a degree in International Business (2022) and has spent the past three years researching complex topics, comparing sources, and translating technical information into clear, practical explanations.
Jenny's process starts with primary sources, including government publications, regulatory guidance, official product disclosures, fee schedules, rate sheets, and account agreements. When an article includes direct experience with a product or process, the scope of that experience is described in the article. Otherwise, the coverage is presented as research-based rather than hands-on testing.
Personal finance decisions can carry real consequences, so material claims about investing, taxes, insurance, and retirement are checked against current source documents during editorial review. Articles may also be reviewed when underlying rules, rates, or figures change. Jenny does not hold a financial-planning credential and is not a financial advisor. Her work is designed to help readers understand financial concepts and product terms before making their own decisions or consulting an appropriately qualified professional.
Degree in International Business, 2022
3+
years of research and editorial experience
A zero-based budget assigns every dollar of income to a specific purpose. Nothing is “leftover.” Here is how to set one up,…
Bonds are the boring part of your portfolio that keeps you from panicking when stocks crash. Here is how bonds work, when…
1.4 million identity theft reports were filed with the FTC in 2023. A credit freeze, strong passwords, and knowing what to do…
If you work for a school, hospital, or nonprofit, you probably have a 403(b) instead of a 401(k). Here is how it…
You do not need a premium card to earn free flights. These beginner-friendly travel cards earn 2 to 5x points on travel…
The average person who negotiates their salary earns $5,000 to $10,000 more per year. Over a career, that compounds into hundreds of…
The S&P 500 index fund is the most recommended investment in history. Warren Buffett bets on it. Financial advisors default to it.…
Money is the number one source of conflict in relationships. But avoiding the conversation makes it worse. Here is how to have…
Dividend stocks pay you just for owning them. Here is how dividend investing works, the best dividend ETFs for beginners, and whether…
Compare the best budgeting apps in 2026 including YNAB, Monarch Money, Copilot, Goodbudget, EveryDollar, and PocketGuard. Find the right app for your…
Learn when and how to convert your traditional IRA or 401(k) to a Roth IRA. Covers tax implications, the pro-rata rule, 5-year…
The median US home costs about $429,000 in 2026. A 20% down payment is roughly $86,000. Here is a realistic plan to…
We use cookies to analyze site traffic and improve your experience. Essential cookies are always on. You can accept all cookies or decline analytics. See our Privacy Policy.