Financial Education Blog

There's no single right answer — but there is a simple framework. Here's how to figure out the right savings amount for your income, goals, and situation.

Most people accept the first offer they get. That single decision can cost them hundreds of thousands of dollars over a career. Here's how to negotiate — and why the stakes are higher than they appear.

Fractional shares let you buy a slice of any stock or ETF regardless of its price. Here is how they work, which brokerages offer them, and when they actually matter for your portfolio.

Claiming Social Security at the wrong age can cost you tens of thousands of dollars over your lifetime. Here's the complete breakdown of what each age means in real dollars — and how to decide.

Most high schoolers apply to colleges without understanding how financial aid actually works. Here's the plain-English breakdown of FAFSA, grants, loans, and how to get the most money before you enroll.

The ability to wait - to choose a larger reward later over a smaller one now - is the single most consistent predictor of financial outcomes. Here's the science, and how to actually build this skill.

Market crashes feel catastrophic in the moment — but understanding what actually happens to your portfolio, and what investors who came out ahead did differently, changes everything.

The answer isn't one number — it's a calculation built from your specific spending, income sources, and timeline. Here's how to find your real retirement number and what to do with it.

A 1% expense ratio sounds trivial. Over 30 years it can cost you hundreds of thousands of dollars. Here is exactly how fund fees erode returns and how to find the cheapest options for every major asset class.

Teenagers can legally run a business in the U.S. - but there are real legal, tax, and practical rules you need to understand first. Here's the honest guide to starting a business before 18.

FIRE — Financial Independence, Retire Early — has gone from fringe concept to mainstream goal. Here's what it actually takes, whether the math holds up, and who it realistically works for.

Dollar cost averaging is one of the most recommended investing strategies — but the research on whether it beats lump-sum investing is more nuanced than most people realize. Here's the full picture.