Stories and tips to beat debt and improve financial health.

Automate Your Financial Security
How to Build Wealth from Nothing - Step 8

What good is building up your net worth if you can't bring others on the journey with you? Your family, friends, and community can share the fruits of your knowledge in building wealth for the long-term.

September 9, 2020
How to Build Wealth from Nothing - Step 7

After you have a significant savings cushion that can cover at least 6 months of expenses, there are multiple avenues to start investing money so that it can work for you in a diversified manner.

September 8, 2020
How to Build Wealth from Nothing - Step 6

Once your debts are paid off (with the exception of mortgage), you can now start building up your savings and bolster your financial stability.

September 7, 2020
How to Build Wealth from Nothing - Step 5

After employing the spending strategies from Step 4, you can apply your extra savings towards high-interest debts to drastically increase your net worth over the long-term.

September 6, 2020
How to Build Wealth from Nothing - Step 4

Discipline is often touted as the bridge between goals and accomplishments. And like many things in this series, the concepts are simple but not easy. Fortunately there is a low-stress method to cutting spending and setting aside more money each month.

September 5, 2020
How to Build Wealth from Nothing - Step 3

After recovering acute debts and generating cash from step 2, the next step is to prevent those same acute debts from happening again. Combine this with auditing your recurring payments and you'll be saving up to thousands of dollars per year.

September 4, 2020
How to Build Wealth from Nothing - Step 2

You can put money back in your pocket right away on your journey to building wealth by recovering acute debts such as bank fees, reclaiming missing money from state and local governments, and liquidating assets you don't need anymore.

September 3, 2020
How to Build Wealth from Nothing - Step 1

The first step in building wealth from nothing is to understand HOW to build wealth. Orient yourself with the PRO Index that takes a comprehensive audit of your finances and record progress over time with a net worth tracker.

September 2, 2020
New American Dream: What Is Financial Stability and How Do I Get It?

What is financial stability? Forget the endless race to get richer than your neighbors. Learn how to achieve and maintain a solid financial base.

August 24, 2020
11 Ways to Recoup Over $50,000

Recouping up to and over $50,000 is not as far fetched as it sounds. Over time, it’s doable. Here are 11 ways to recoup more than $50,000

August 11, 2020
8 Ways to Lower Your Debt-to-Income (DTI) Ratio

Your debt-to-income (DTI) ratio is a cornerstone of determining your financial health. Here are 8 ways you can track, manage, and reduce your DTI ratio.

June 3, 2020
What to Know before Getting a Credit Card

Credit cards can be a constructive tool to assist with finances if used properly. Here you'll find an in-depth look at considerations to make before getting a credit card.

May 13, 2020
The 10 Dos and Don'ts of Autopay

Autopay can certainly make our lives easier and help stay on top of our finances. But they can quickly become difficult to keep track and therefore easy to forget. We've put together 10 do's and don'ts of autopay to help you manage yours.

April 22, 2020
How Do Credit Cards Work?

Credit cards can seem pretty straightforward, but it's important to understand the finer details of cardholder agreement to avoid unwanted debts. We break down the mechanics of a credit card to inform your decision.

April 14, 2020
How to Avoid Overdraft Fees Using Cash Flow Management - Part 2

By using cash flow management and proper timing, you can avoid paying burdensome bank fees and free up your finances. This is the second part in a two-part explainer articles.

April 8, 2020
How to Avoid Overdraft Fees Using Cash Flow Management - Part I

Cash flow management can be a complex topic. But as a tool, it can be remarkably useful for avoiding bank fees, especially for those who have little in savings and are living paycheck to paycheck. 

March 30, 2020
Side Gig Directory

A comprehensive and continuously updated directory of side gigs to help navigate the rapidly changing economy. From online tutoring to paid surveys, there are quite a few gigs that may seem less obvious than most.

March 20, 2020
Financial Resources during the Coronavirus Pandemic

Many companies are putting their best foot forward during these trying times to help out customers when they need it most. Here is a list of resources consisting of everything from free food to automobile discounts.

March 18, 2020
Managing Your Finances During The Coronavirus Pandemic

As everything in our world has seemingly turned upside down, our finances are no exception. Provided here are a list of ways to help yourself find the cash you need to make it through this time, rebuild your finances, and come out stronger than before.

March 18, 2020
Lower Prime Rates Means You Can Lower Your APR

When prime rates are lowered, it presents a compelling opportunity to reduce your debt burdens. We delve into show you how to take advantage of lower rates.

March 10, 2020
How to Fight Overdraft Fees

To help you save as much of your hard-earned cash as possible, we’re going to cover the most helpful information we have about how to fight overdraft fees and get them waived, how to avoid overdraft fees in the first place and what smart banking decisions you can make now to continue saving money.

February 24, 2020
Best Way to Manage Bank Fees

Banks have high operating costs, and they cover these expenses often through excessive fees. The average American pays over $650 a year in bank fees alone. Here's a guide to show you how to eliminate this wasteful expense from your life completely.

January 10, 2020
An Overview of the Chase Overdraft Fee in Plain English

There is a lot of fine print when it comes to overdraft fees at large banks like Chase. We break down all the fine print and bring you a straightforward breakdown of the Chase overdraft fee.

January 9, 2020
Confronting Debt Stress with an Actionable Strategy

Paralysis by analysis is a common feeling when confront debts. But the hardest step is often the first one, and with a well-crafted strategy, you can form great habits quickly on the path to being debt-free.

December 26, 2019
Trying to Pay Off Debt Quickly? Don’t Deprive Your Way to Misery

It's much easier to give advice for paying down debt than it is to actually do it. And while some debtors take an extremely spartan approach, for everyone else taking a realistic and level-headed approach is more than sufficient.

December 12, 2019
How to Get Overdraft Fees Refunded

Our complete guide to negotiation on your own to get overdraft fees and other bank fees refunded from your bank. This article also includes several tips and tactics to avoid getting charged bank fees in the first place.

December 12, 2019
How Managing Your Finances Is a Lot Like Tetris

Treating your finances as a game to win, like Tetris, can give you the emotional distance you need to make become a master at managing finances.

November 29, 2019
Family Finances & Holiday Money Conversations

Against the backdrop of holiday cheer is a gnawing feeling of financial draining. Between travel, gifting, and other long-held traditions, we show you how to navigate some of these traditions without putting a dent in your financial plans.

November 13, 2019
Overview of Wells Fargo Interest Charges in Plain English

Interest charges seem pretty straightforward on the surface, but when you look into the fine print there is a whole lot more to unpack and thorny situations to be aware of. We look closely at the fine print for Wells Fargo purchase interest charges and break it down in plain English.

September 21, 2019
Can You Get an Overdraft Fee Refund? A Complete Bank Fee Refund Guide

Here's something the banks don't want you to know: you can get an overdraft fee refund. It's true. You can also get other fees waived and reduced, too. Keep reading to learn how you can take back control of your finances and avoid bad debt.

July 5, 2019
The Darkest Debt…(is everywhere)

The overdraft fee has evolved from a good-faith cash extension for reliable business owners into a predatory and invasive drain on the finances of everyday people akin to high-interest debt.

July 1, 2019
NSF Fees: Overdraft's Sneaky Sibling

NSF Fees are a constant drain on millions of Americans' finances. The first step to combatting them is understanding them and then getting them back.

June 25, 2019
Living Paycheck to Paycheck?

Paydays and their arch-nemesis, spend days, always seem to be paired up very closely on the calendar. Here are 5 ways you can help cut down on spending and make more out of each paycheck.

June 18, 2019
Tax Scams That Outsmart Even Savvy Consumers (Part 2)

Tax scams where someone files a fake return for you and puts money on your bank accountYes, you read that right.This is the new type of scam going around, and the later you file your taxes, the higher the chances of you being targeted with a “refund” scam.

June 11, 2019
Tax Scams That Outsmart Even Savvy Consumers (Part 1)

One of the most common scams in financial history that raises its head every year comes around tax season. We take a closer look at some of the common traps to avoid and keep your finances intact.

June 4, 2019
Credit Chronicles: If Overdrafts Were Treated As Loans

If overdrafts were treated as loans, the statistics become pretty shocking. Equivalent APRs of 15,000%, sequencing of transactions to charge more overdrafts, and more reveal the burden these fees can put on everyday Americans.

May 27, 2019
What Happens if I Miss a Credit Card Payment?

We are all human, and missing a credit card payment isn't the end of the world for your financial health. But making a habit of doing so can compound into an expensive mistake down the line.