One caveat - high deductible plans can be scary if you have a major health event. Keep enough cash to cover the deductible outside the HSA. Dont put yourself in a position where you cant afford to get...

0 votes · 21 hours ago

Set up autopay for the full statement balance right now. That way you literally cant miss a payment or carry a balance. Treat it like a debit card that builds credit.

0 votes · 22 hours ago

Switched from Geico to a local insurance agent last year and saved like . They shop multiple companies for you. Sometimes the big names arent the cheapest despite what the commercials say.

0 votes · 1 day ago

Nobody warned me about special assessments if you have HOA. Got hit with a ,500 "special assessment" for roof repairs on the common areas 6 months after buying. Read those HOA financials carefully bef...

0 votes · 1 day ago

The only thing that worked for me was separate checking accounts. Rent/bills account, spending account, savings. Paycheck auto-splits. When spending account is empty I stop spending. No tracking neede...

0 votes · 1 day ago

I totally understand why it feels that way, but theres a fundamental difference: **Gambling (casino):** - House always has mathematical edge - Expected return is negative - Over time, you WILL lose m...

5 votes · 4 days ago

I'm a pediatric occupational therapist and also a mom of two, so let me give you both perspectives. **What the research actually says:** - AAP recommends max 1 hour/day of high-quality programming fo...

0 votes · 4 days ago

Adult who also can't draw here! Discovered tons of creative hobbies that require zero traditional "art talent." Here are my favorites: **Low skill barrier, highly satisfying:** **1. Lego sets (adult...

0 votes · 1 week ago