by Don Gayhardt | Jun 28, 2017 | Budget, Debt, Money Management, Retirement, Saving
People often claim that they do not make enough money to start saving. However, even those who make minimum wage can save money with the proper planning and diligence. People need to save money in order to have a financial safety net to fall back on when emergencies...
by Don Gayhardt | May 31, 2017 | Education, Finance, Investment, Money Management, Retirement, Saving
The best time to start saving for retirement is as early as possible, ideally while you are still in your 20s. Saving early provides more time for your investments to grow and ultimately results in exponentially more money during your retirement years. For a wide...
by Don Gayhardt | Apr 19, 2017 | Budget, Finance, Investment, Money Management, Retirement, Saving
One the biggest challenges in personal finance remains budgeting. Creating and following a budget is critical for reclaiming a sense of power over your finances, yet people often have trouble making a realistic budget or staying within it. Luckily, modern technology...
by Don Gayhardt | Apr 5, 2017 | Education, Finance, Investment, Money Management, Retirement, Saving
People in their 20s often put off investing for a variety of reasons. Some people want to wait until their financial situation becomes more stable, and others hope to make more money before they start investing. Whatever the reason, putting off investing is a mistake....
by Don Gayhardt | Mar 15, 2017 | Finance, Investment, Money Management, Retirement, Saving
When saving for retirement, many people look into annuities, insurance products that provide a steady stream of income. However, annuities are complex products and not for everyone. At its most basic level, an annuity is a product that someone invests in to get back...
by Don Gayhardt | Mar 8, 2017 | Finance, Investment, Money Management, Retirement, Saving
When investing money, it is critical to understand the concept of diversification. Put simply, diversification is a strategy for making portfolios less volatile over time. Unfortunately, however, the diversification process is anything but simple. A number of...
