by Don Gayhardt | Dec 12, 2018 | Budget, Data, Debt, Finance, Income, Retirement, Saving, Savings
In the United States, more than 62 million people rely on Social Security as a source of income, including about 43 million retirees. Recently, the Social Security Administration (SSA) announced some important changes to benefits that will begin in 2019. Individuals...
by Don Gayhardt | Nov 21, 2018 | Budget, Debt, Finance, Income, Investment, Money Management, Retirement
In the United States, it is very common to carry debt. According to a survey conducted by Pew Charitable Trusts, about 80 percent of American households have some kind of debt. The most common form of debt is a mortgage, although many individuals also have other...
by Don Gayhardt | Aug 17, 2018 | Budget, Finance, Income, Investment, Money Management, Retirement, Savings
One of the most pressing concerns for people nearing retirement is the possibility of running out of money. Unfortunately, this fear is grounded in reality. The Employee Benefit Research Institute (EBRA) reports that more than 80 percent of Baby Boomers in the lowest...
by Don Gayhardt | Jul 2, 2018 | Budget, Data, Education, Finance, Income, Investment, Money Management, Retirement
People who want to learn about personal finance have more tools than ever before with the growing popularity of blogs, podcasts, and more. One of the best resources that individuals can use to learn more about taking control of their finances are TED Talks, a series...
by Don Gayhardt | Jun 7, 2018 | Budget, Finance, Information, Loan, Money Management, Mortgage, Retirement, Savings
One of the most stressful personal finance processes that people may go through is purchasing a home, which includes everything from making an offer to securing financing. In a seller’s market, like the one we are currently in, individuals often face a lot of...
by Don Gayhardt | May 31, 2018 | Data, Education, Finance, Income, Investment, Money Management, Mortgage, Retirement, Savings
People often think that managing personal finances boils down to saving money whenever possible and minimizing spending, but this is a very simplistic point of view. In reality, one’s financial wellbeing is more about mindset than actions. While actions are what get...
