Insurance
Is long-term care insurance worth it? Costs, pros and cons for 2026
Long-term care insurance can be worth it if you have retirement savings you want to protect, could not comfortably pay years of…
Latest articles by Kayla C.
Credit Score
Can identity theft hurt your credit score?
Yes. Identity theft can hurt your credit score if someone opens credit accounts in your name, runs up balances, or leaves fraudulent…
Retirement & FIRE
Pension vs. 401(k): What’s the difference and which is better?
A traditional pension promises a retirement benefit based on a formula, while a 401(k) is an employer-sponsored defined contribution plan with an…
Credit Score
Are credit repair companies worth it? What they can and can’t legally do
For most people, a credit repair company is not worth paying for. The main service these companies provide is disputing inaccurate information…
Retirement & FIRE
Retirement healthcare before Medicare: How to bridge the gap from 55 to 65
If you retire before 65, health insurance can become one of the biggest costs you need to solve before leaving work. For…
Credit Score
Does student loan forbearance or deferment affect your credit score?
An approved student loan deferment or forbearance should not hurt your credit simply because your payments are paused. For federal student loans,…
Retirement & FIRE
What happens to your 401(k) in a divorce? QDROs explained
A 401(k) can be divided in a divorce, but the plan usually cannot simply send part of the account to an ex-spouse…
Credit Score
Business credit score vs personal credit score: What’s the difference?
Your business can have a credit profile that is separate from your personal credit, but new business owners usually cannot ignore their…
Saving
New Year’s Day 2027: Are Banks Closed? The 3-Day Weekend Explained
Yes, banks are closed on New Year’s Day. Friday, January 1, 2027 is a federal holiday, so banks, the Federal Reserve, federal…
Saving
Thanksgiving 2026: Are Banks Closed? What Works and What Waits
Yes, banks are closed on Thanksgiving. Thursday, November 26, 2026 is a federal holiday, so banks, the Federal Reserve, federal offices, and…
Saving
How Much Down Payment Do You Really Need in 2026? (The 20% Myth)
The 20% down payment is one of the most persistent myths in personal finance. The reality: the minimum down payment for a…
Saving
FHA vs Conventional Loan 2026: Which Should a First-Time Buyer Choose?
Disclosure: This page includes affiliate links. We may earn a commission at no cost to you if you connect with a lender…