Balance transfers saved me thousands. Just make sure you have a plan to pay it off before the 0% ends. Set a monthly payment amount = balance / promo months and stick to it.

0 votes · 1 day ago

Also look into healthcare sharing ministries if youre healthy. Not insurance but way cheaper and covers catastrophic stuff. I use one at /month. Not for everyone but worth researching.

0 votes · 1 day ago

Big difference - when you gamble, the house mathematically wins over time. When you invest diversified, the economy mathematically grows over time. Time horizon is everything though - short term is ga...

0 votes · 1 day ago

At your income levels with no special circumstances, married filing jointly is almost certainly better. Like 99% of couples should file joint. Reasons to file separately: - One spouse has huge medica...

4 votes · 1 day ago

Mathematically you might be leaving some returns on the table. Psychologically you might be doing exactly right. Both matter. **The math case for less:** - Standard advice is 3-6 months - Money in HY...

0 votes · 3 days ago

Tricky situation but not impossible. I'm a former HR manager and here's my advice: **First, assess your position:** - Are you a top performer with documented results? - Do you have skills that are ha...

0 votes · 6 days ago

I teach photography workshops and this is the most common question I get. Here's my honest advice: **For your budget and goals, go mirrorless. Here's why:** - Mirrorless is the future (even Canon/Ni...

0 votes · 1 week ago