Personal Finance
You likely have seen or participated in these kinds of personal finance decisions: buying a nice watch, talking smooth, and carrying big dreams—while actually being financially far from stability. So, how do you know when you’re in this situation? Let’s break it down—with receipts. 1) You Live On Lifestyle Credit: You pick up dinner at a fancy restaurant, but are dodging your student loan payments. That’s not wealth—it’s debt cosplay. In fact, nearly 60% of U.S. credit cardholders live paycheck to paycheck, and half carry revolving credit card debt from month to month, according to a 2024 Bankrate report. Ask…
In a move that could significantly impact the landscape of student loan forgiveness, President Trump is poised to sign an executive order later today directing the Education Department to modify the Public Service Loan Forgiveness Program, the New York Times reported. The PSLF program, established under the College Cost Reduction and Access Act of 2007, forgives a portion of federal student loan debt for individuals employed in public sector roles, including those at nonprofit organizations. Speaking from the Oval Office, Trump has expressed concerns that certain qualifying nonprofit organizations may “engage in illegal, or what we would consider to be…
Student Loan Delinquency Rate Doubles As Payments Resume After the three-year pandemic pause and resumption of federal student loan repayments, delinquency rates have doubled in just a few months, according to Education Department data obtained by The Washington Post. Millions of borrowers are struggling to keep up with their monthly bills now that payments are required again. Roughly 4 million federal student loan borrowers are already behind on payments, a sharp spike in distress that has alarmed policymakers and advocates. The Post reports that the proportion of borrowers missing payments is roughly twice the pre-restart level, illustrating the rocky transition…
Apart from being an engaging social media network for sharing virtual mood boards of your ideas, interests, and hobbies, Pinterest is also an excellent platform for earning money, even as a beginner. Through this visual search engine, you can promote your online store, become an affiliate, and drive traffic to your blogs. These are all proven ways to generate revenue for your online business. How To Make Money On Pinterest For Beginners This article covers various ways to monetize your Pinterest account. 1. Start A Blog And Make Pins For Your Blog Posts Driving traffic is one of the most…
The Trump administration has been rapidly dismantling protections for student loan borrowers, leaving millions of Americans with diminishing options as turmoil continues to rock federal student loan forgiveness and repayment programs. In just six weeks, administration officials have effectively neutralized a key federal financial watchdog agency, cut staffing at key divisions within the U.S. Department of Education, and blocked several critical federal student loan repayment programs. More changes might be in store in the coming months. Here’s what borrowers need to know. Federal Watchdog Agency Overseeing Student Loan Servicing And Collections Is Gutted One of the Trump administration’s first actions…
While there has been much conversation on not buying from companies with poor diversity, little has been said about investing in gender equality. Specifically companies that have strong gender equality policies. As we celebrate Women’s History Month in 2025, it’s essential to address the unique challenges women face in preparing for retirement. Despite significant strides in gender equality, women often encounter financial hurdles that can impact their retirement savings. This article offers practical strategies to help women, especially those mindful of social values and sustainability, secure a comfortable and values-aligned retirement. Why Investing in Gender Equality Could Mean Higher Returns…
DOGE Check Timing Revealed? The concept of a DOGE check, which proposes distributing 20% of government savings directly to taxpayers, has recently gained notable endorsements from President Trump and Elon Musk. While the proposal has been met with some skepticism, including from key members of the Republican Party, James Fishback, the 28-year-old hedge fund manager behind the concept, has continued lobbying for its adoption. In recent days, Fishback revealed that he met with Musk and commenced discussions with lawmakers. In an interview with the NY Post, he also asserted that there would be a proposed bill relating to a DOGE…
Lifestyle inflation occurs when your expenses increase as you earn more income. It can start subtly—dining at pricier restaurants, upgrading gadgets more frequently, or moving into a larger home. While these improvements can enhance comfort, unchecked spending can quickly outpace earnings, making it difficult to build or maintain wealth. Over time, this pattern can prevent financial freedom, leaving even high earners struggling to make meaningful financial progress. For example, according to a report from the Bank of America Institute, about 20% of households earning over $150,000 still live paycheck to paycheck, often due to high living costs and lifestyle choices.…
Confirmation Of Trump’s Imminent Action To Dismantle Education Department A leaked internal memo has confirmed that President Donald Trump intends to dismantle the Education Department via executive order imminently. As of this writing, Federal News Network first reported the draft, revealing that “the department is preparing to notify its employees that President Donald Trump will sign an executive order, entitled, ‘Eliminating the Department of Education.’” The draft memo divulges that Education Department staff are actively preparing for the agency’s dismantling, even going so far as to plan to reassign its functions to other federal bodies ahead of Trump’s order to…
Trump Speech Doubles Down On Call For No Tax On Tips In a fiery address to Congress on Tuesday, President Donald Trump’s doubled down on his desire for no tax on tips as well as no tax on overtime pay for American workers and no tax on Social Security. The Trump speech reiterated a key campaign pledge he made that service employees and hourly workers deserve to keep all of their hard-earned extra income. In January speaking to a crowd in Nevada Trump declared, “for any worker who relies on tipped income, your tips will be 100% yours,” Thomson Reuters…
It’s an uncertain time for investors and consumers alike. The Trump administration-imposed tariff disruption of 25% charges on most imports from Mexico and Canada and an additional 10% on top of existing tariffs for Chinese imports have set off a three-front trade war for the U.S. There are already retaliatory tariffs from the three countries. Investment markets are showing concern and displeasure. There are increased chances of a recession and possible inflation. Most investors could benefit from one simple action: Do not make hasty decisions because things will change again, eventually in your favor. Tariff Disruption Gets Responses Even with…
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