Do you feel like you’ve lost control of spending? Maybe you make good money. But as you earn more, you just seem to spend more. You don’t feel like you’ve really changed anything, but old luxuries become…
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How Much Do You Really Pay In Hidden Fees and Commissions
The world of financial services is far from transparent. Fortunately, it’s slowly improving as financial planning becomes more of a profession. But we still have a long way to go. Today, there are three main types…
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Roth Conversion Opportunities for Young Physicians
Ultimately depending on a lot of variables, roth conversions can hurt or help your financial position. Is the strategy right for you? Maybe. Here’s what you need to know in order to identify whether or…
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When Back-Door Roth IRAs Cause More Harm Than Good
The Back-door Roth IRA is a great strategy for high income earners. But you must proceed with caution. We’re finding that, for many people, it’s unknowingly causing more harm than good. How can you avoid…
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Are You Spending Too Much Money?
James and Kathy are a young married couple with two small children. They make a good income and live a good life. They have a good amount of cash in their bank accounts and pay…
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9 Biggest Student Loan Misconceptions
They say knowledge is power — and that seems to be especially true with student loans. As complex as they have become, it’s no surprise that there is a lot of misinformation floating around out…
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Why Drive Old Cars?
I drive a 2003 Toyota Avalon. It’s got about 115k miles on it. Runs great. Definitely not the coolest car. But it’s extremely inexpensive and serves its purpose well. The other day, my wife told…
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Investing Q&A: Part 2
This is Part 2 in our Investing Q&A series. If you missed Part 1 from a few months ago, be sure to go back and catch up here! Otherwise, let’s dig back in — today we’re going…
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Should I Drop Out of PSLF?
Are you thinking about bailing out on PSLF? Before you sign on the dotted line, do yourself a favor and read this. So I’m talking with John. John has a big student loan balance… somewhere…
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When Good Debt Goes Bad
So what is “good debt”? It’s a general term for a debt used to finance something that expected to increase in value. Maybe you take out a mortgage to buy a home you expect to appreciate….
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How to Change From IBR to RePAYE
Question: I’m planning to switch from the Income-Based Repayment “IBR” student loan repayment plan to Revised Pay As You Earn – “RePAYE”. How do I accomplish this without having any hangups? Well – this process varies…
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The University of Kentucky Health Savings Account Option Now Available
Starting in 2019, the University of Kentucky will begin offering the UK Saver plan (click to compare UK health insurance plans). This is a big deal because it finally gives University of Kentucky employees access to…
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