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    7 Personal Finance Tips for College Students & Recent Grads

    Build Savings|Pay Off Debt|Save on Monthly Bills

    7 Personal Finance Tips for College Students & Recent Grads

    Recently, budgeting was listed as one of the most important skills we should be learning in school, along with leveraging compound interest and investing for long-term goals. Unfortunately, most college students are stuck in core...

    ws-studio

    8 mins read
    How Retirement Accounts Help Build Wealth

    Build Savings|Invest|Retirement

    How Retirement Accounts Help Build Wealth

    According to the Tax Policy Center, 60 million Americans pay into an Individual Retirement Account. This means that millions of Americans understand the benefit of paying into a tax-deferred account that only serves to help them...

    ws-studio

    6 mins read
    How to Quickly Build Your Emergency Savings Fund

    Build Savings

    How to Quickly Build Your Emergency Savings Fund

    Fewer than 4 in 10 people in the US have enough savings to pay for an unexpected $1,000 expense in cash. That’s a sobering reality in a society where we’re taught that we should have an emergency fund with enough money to cover...

    ws-studio

    6 mins read
    Is a 529 Plan Tax-Free?

    Invest|Taxes

    Is a 529 Plan Tax-Free?

    Parents spend an average of nearly $13,000 each year just to raise one child. And that’s without any special activities, private school, tutoring, or unexpected events. Multiply that by 18 years and you’re looking at spending...

    ws-studio

    5 mins read
    How to Increase Your Credit Score with a Secured Credit Card

    Improve Credit|Pay Off Debt

    How to Increase Your Credit Score with a Secured Credit Card

    Approximately 16% of Americans have poor credit, which is a score under about 580 in most cases. And, another 18% of Americans have fair credit, which is under 670. 

    ws-studio

    6 mins read
    How to File Freelance Taxes for Beginners (Step-by-Step)

    Taxes

    How to File Freelance Taxes for Beginners (Step-by-Step)

    Millennials and Gen Z were pushing for a more remote lifestyle well before the pandemic pushed us all online. Not only that, but self-employed individuals and freelancers are able to save money in other ways, a benefit that helps...

    ws-studio

    10 mins read
    How to Save on Home Renovations

    Buy a Home

    How to Save on Home Renovations

    The average home renovation cost for 2020 was $46,778, with some homeowners spending as much as $150,000 for high-end multiple-room improvements. 

    ws-studio

    7 mins read
    Tax Deductions for Freelancers: How to Save on 2022 Taxes

    Build Savings|Taxes

    Tax Deductions for Freelancers: How to Save on 2022 Taxes

    Current statistics suggest that close to 30% of workers in the United States are self-employed. Being self-employed means that you’re able to work for yourself, set your own hours, and live wild and free, right? In a way, yeah....

    ws-studio

    6 mins read
    Be Your Own Boss: 7 Tips for Success

    Freelance|Retirement|Taxes, Business - Early Stage

    Be Your Own Boss: 7 Tips for Success

    Over 627,000 new businesses open each year, according to SBA estimates. If you’re one of the over half a million people in the US looking to start a business in 2022, we definitely understand why. Getting to be your own boss is...

    ws-studio

    6 mins read
    What is a Gig Worker & How to Thrive in the Gig Economy

    Freelance

    What is a Gig Worker & How to Thrive in the Gig Economy

    Of the nearly 60 million freelancers working in the US today, 84% of them say that this type of work lets them live the lifestyle they want. If you’re attracted to the freedom and flexibility that working as a gig worker allows...

    ws-studio

    7 mins read
    Everything a Veteran CEO Needs to Start a Business: Finance Edition

    ws-studio

    8 mins read
    Your Guide to Understanding Roth IRAs

    Build Savings|Retirement|Taxes

    Your Guide to Understanding Roth IRAs

    While almost half of millennials have a 401(k) account, only one in four have a Roth IRA. What’s the deal? Y’all must not understand the benefits of a Roth IRA when compared to other retirement accounts, right?

    ws-studio

    7 mins read
    What Are the 401k Contribution Limits in 2021?

    Build Savings|Retirement

    What Are the 401k Contribution Limits in 2021?

    59% of Americans have access to a 401k account, but only 32% are currently investing in one. If you knew how these retirement plans work and how they can help you build your wealth, would you invest in one? Would you try to meet...

    ws-studio

    5 mins read
    Looking for FREE Online Budgeting Tools? Here Are Our Top Picks for 2021

    Build Savings|Pay Off Debt

    Looking for FREE Online Budgeting Tools? Here Are Our Top Picks for 2021

    Despite knowing that increasing financial literacy is one of the most basic ways to begin closing America’s wealth gap, financial products still don’t yet cater to those who are underserved and underrepresented. Putting a price...

    ws-studio

    8 mins read
    20 Ways to Make Money Online in 2021

    Build Savings|Pay Off Debt

    20 Ways to Make Money Online in 2021

    Over 41% of workers continue to work remotely. If you’re one of them, then we don’t have to tell you just how much that’s affecting everybody’s mental, emotional, and physical health. The pandemic has affected more than just our...

    ws-studio

    8 mins read
    How Much Should You Spend on Rent?

    Build Savings|Buy a Home|Save on Monthly Bills

    How Much Should You Spend on Rent?

    The average American spends just over $1,600 a month on rent. That’s interesting given the fact that the median weekly salary is about $990. So, you’re basically going to have to work half the month just to cover the average cost...

    ws-studio

    7 mins read
    Is it Better to Buy or Lease a Car?

    Build Savings|Improve Credit

    Is it Better to Buy or Lease a Car?

    Currently, the percentage of buyers who choose to lease rather than buy has risen from 31% to 52% year-over-year, according to J.D. Power. However, just because more people are deciding to lease a car vs. buy a car doesn't mean...

    ws-studio

    6 mins read
    Monthly Budgeting Made Easy: 5 Tips to Help Beginner Budgeters

    Build Savings

    Monthly Budgeting Made Easy: 5 Tips to Help Beginner Budgeters

    Would you be alarmed to hear that 44% of the American population is not only living paycheck to paycheck, but they’re also doing so without a proper budget? While the easiest path to financial success is through formal education...

    ws-studio

    5 mins read
    Student Loan Debt Forgiveness for Veterans

    ws-studio

    6 mins read
    SEP IRAs: A Complete Guide

    Build Savings|Invest|Retirement

    SEP IRAs: A Complete Guide

    Just over 1 in 10 of self-employed individuals in a single-person business is currently contributing to a workplace retirement plan. That’s a staggering statistic given that there are currently nearly 10 million Americans who...

    ws-studio

    6 mins read
    Productivity Tools for Freelance Gig Workers

    Freelance

    Productivity Tools for Freelance Gig Workers

    51% of freelancers say they’ll never go back to a traditional job. Well, duh. Working for the man sucks, but working for yourself can be just as tough sometimes, too. Sure, you can set your own hours, work in your pajamas, and...

    ws-studio

    8 mins read
    Can Homeownership Build Wealth?

    Build Savings

    Can Homeownership Build Wealth?

    According to economic analysts, owning a home is a pretty effective way to increase your wealth, particularly for low-income households and younger millennials just beginning to build wealth. Or, at least, it can be, depending on...

    ws-studio

    7 mins read
    What to Know About Home Loans for Bad Credit

    Buy a Home|Improve Credit

    What to Know About Home Loans for Bad Credit

    Lately, there's been a lot of chatter about the housing market. But if you're in the market for a new home and have bad credit, it can be incredibly tough to buy one without some help from your friends. Luckily, we've got your...

    ws-studio

    7 mins read
    Quickbooks Self-Employed Cost & Review for 2022

    ws-studio

    6 mins read
    5 Things to Do Before You Start Investing

    ws-studio

    7 mins read
    Navigating the Military Retirement Pay System

    Veteran Affairs

    Navigating the Military Retirement Pay System

    The military retirement pay system is undergoing a major overhaul (or, at least, it has been since 2018. That might sound scary to active military members and their family members, but it’s actually pretty good news! The new...

    ws-studio

    7 mins read
    The Highest-Paying Jobs Without a Degree in 2022

    Freelance

    The Highest-Paying Jobs Without a Degree in 2022

    Think you need a degree to get ahead? Think again. According to the Economic Policy Institute, the percentage of unemployed university graduates in the United States increased this summer to 8.5%. In 2007, that number was just...

    ws-studio

    6 mins read
    3 Types of Investment Accounts to Open in Your 30s

    Build Savings|Invest|Retirement

    3 Types of Investment Accounts to Open in Your 30s

    Millennials, it’s finally happening. Most of us are starting to (or have already) turned 30. And while we can’t avoid getting older, we can take control of our finances and our future. That starts by learning how to invest in...

    ws-studio

    6 mins read
    What is the Best Way to Save Money for Your Children?

    Build Savings|Invest|Save on Monthly Bills

    What is the Best Way to Save Money for Your Children?

    Financial experts recommend that in order to save a nice sized nest egg, you should save six times your current salary by the time you’re 50. However, that number increases if you have kids you’re trying to save for. 

    ws-studio

    6 mins read
    How Will Tax Reforms Affect Gig Economy Workers?

    Freelance|Taxes

    How Will Tax Reforms Affect Gig Economy Workers?

    Did you know that 85% of gig workers in the US make less than $500 a month? Many of those gig workers are contributing significantly to the economy and yet still are having to pay ridiculous amounts of money in taxes. Oh, that’s...

    ws-studio

    9 mins read
    Why Employee Retention is Important for SMB Owners

    Business

    Why Employee Retention is Important for SMB Owners

    Even before the Great Resignation of 2021, about 3 to 4.5 million people were quitting their job a month in the United States. That might not sound like a lot in a country of over 330 million people, but when you’re a small...

    ws-studio

    7 mins read
    What is Residual Income? Residual Income Ideas to Build Wealth

    Build Savings|Retirement

    What is Residual Income? Residual Income Ideas to Build Wealth

    It seems that, recently, residual income has gained a lot of attention in mainstream media. Or, at least, it's becoming more common in popular culture. What millennial, freelancer hustler, or solopreneur isn’t wondering what this...

    ws-studio

    7 mins read
    2022 IRA Contribution Limits: Traditional, Roth, SIMPLE

    Retirement|Taxes

    2022 IRA Contribution Limits: Traditional, Roth, SIMPLE

    Over 45 million people in the US have an IRA. However, only about 12% of people with IRAs contributed to the account in 2020. While we understand that 2020 was a tough year for everyone, this statistic causes us to wonder if...

    ws-studio

    5 mins read
    Defined-Benefit vs. Defined-Contribution Explained

    Business|Retirement

    Defined-Benefit vs. Defined-Contribution Explained

    While 67% of private industry workers had access to employer-provided retirement plans in 2020, only 52% had access only to defined contribution retirement plans. Just 12% had access to both defined-benefit and...

    ws-studio

    5 mins read
    How Much Should I Have in My 401(k)?

    Retirement

    How Much Should I Have in My 401(k)?

    Currently, the average 401(k) balance is $106,478, according to Vanguard's 2020 analysis of over 5 million plans. If you’re nowhere near that (or even if you don’t have a plan at all), don’t stress! We got you. And, there’s still...

    ws-studio

    7 mins read
    Making a Digital Business Transformation: How to Invest in Your Employees in 2023

    Business, Business - Mid Stage, Business - Late Stage

    Making a Digital Business Transformation: How to Invest in Your Employees in 2023

    In a recent Deloitte survey, 47% of global respondents believed that their employers were making a significant investment in their professional development. However, only 34% were happy with their organization’s investment in...

    ws-studio

    7 mins read
    The Basics of Blockchain: What Makes it So Secure?

    Invest|Trending Finance News

    The Basics of Blockchain: What Makes it So Secure?

    Did you know that El Salvador recently became the first country to adopt Bitcoin as legal tender? The move has caused numerous investors and millennials alike to pose an interesting question. Could cryptocurrency replace national...

    ws-studio

    6 mins read
    The Best Startup Business Credit Cards with No Credit Check in 2022

    Business|Trending Finance News

    The Best Startup Business Credit Cards with No Credit Check in 2022

    What’s the number one reason why startups fail? They run out of cash or fail to raise the money they need to scale. It’s that simple. Great ideas are, well, great, but it’s hard to take a great idea to the market without a bit of...

    ws-studio

    6 mins read
    What Is A Backdoor Roth IRA? The Buzz Surrounding Biden’s Changes

    Invest|Retirement

    What Is A Backdoor Roth IRA? The Buzz Surrounding Biden’s Changes

    According to research from the Investment Company Institute, 43.9 million US households own at least one type of IRA. Clearly, tons of people understand just how lucrative investing in this type of retirement account can be....

    ws-studio

    5 mins read
    CalSavers: What CA Small Business Owners Need to Know

    Retirement

    CalSavers: What CA Small Business Owners Need to Know

    Are you a California business owner with five or more employees? If so, you’re gonna want to mark June 30th, 2022 on your calendar! Why? It’s the deadline to have a retirement plan in place for your employees. If you don’t comply...

    ws-studio

    6 mins read
    5 Tips for Analyzing Stock Charts

    Invest

    5 Tips for Analyzing Stock Charts

    Learning how to invest is one thing, right? Then, while you’re learning, someone pulls out stock charts and you feel like you’re back to square one. If you never learned about analyzing stock charts (just like the rest of us who...

    ws-studio

    8 mins read
    Employee Retention Credit 2021: Explained For Small Business Owners

    Business|Taxes

    Employee Retention Credit 2021: Explained For Small Business Owners

    Did you know that 99.9% of all businesses in the US qualify as small businesses? Collectively, they employ 47.3% of the nation’s private workforce. And, they’ve been the hardest hit during the COVID-19 pandemic.

    ws-studio

    4 mins read
    The Best Startup Business Credit Cards with No Credit Check

    Business, Business - Early Stage

    The Best Startup Business Credit Cards with No Credit Check

    What’s the number one reason why startups fail? They run out of cash or fail to raise the money they need to scale. It’s that simple. Great ideas are, well, great, but it’s hard to take a great idea to the market without a bit of...

    ws-studio

    6 mins read
    How to Start a Business in California: CA Business License & More

    Business|Invest

    How to Start a Business in California: CA Business License & More

    Did you know that, in the state of California, 99.8% of businesses are small businesses? There are over 4.2 million small businesses registered in the state, which we hope helps you feel pretty confident that if you’re wondering...

    ws-studio

    7 mins read
    IRA Tax Documents: How to Report Your Retirement Earnings

    Business|Taxes

    IRA Tax Documents: How to Report Your Retirement Earnings

    According to the Tax Policy Center, over 60 million Americans own an individual retirement account, otherwise known as an IRA. While most people have IRAs through their employers, there are numerous different types of IRAs,...

    ws-studio

    6 mins read
    Payroll Accounting Tips for Small Business Owners

    Business

    Payroll Accounting Tips for Small Business Owners

    Did you know that approximately 49% of workers in the United States would start a new job search after only two issues with their paycheck? As a small business owner, you just can’t afford those kinds of losses. It’s part of why...

    ws-studio

    7 mins read
    Will the US Stock Market Crash in 2022?

    Invest|Trending Finance News

    Will the US Stock Market Crash in 2022?

    Just this week The Financial Times reported that the US stock market endured the worst January since the global financial crisis of 2009. Don’t think it’s bad? It’s bad. However, that doesn't mean you can expect a total stock...

    ws-studio

    6 mins read
    Small Business 401(k) vs. Other Retirement Plans

    Retirement

    Small Business 401(k) vs. Other Retirement Plans

    There are 31.7 million small businesses in the US. This leads us to believe that there are just as many business owners, too. Because companies are the ones usually providing 401(k) and other retirement options, what do those...

    ws-studio

    6 mins read
    Stop-Limit Order Definition & Examples

    Invest

    Stop-Limit Order Definition & Examples

    Ever wondered what a stop-limit order is? What does it do? Why would you want to use one, and when should you avoid them altogether? You’re not alone. It’s a super common question because, quite honestly, just the phrase...

    ws-studio

    7 mins read
    How to Negotiate a Salary

    Build Savings|Pay Off Debt|Trending Finance News

    How to Negotiate a Salary

    We bet you already knew this, but millennials earn 20% less than boomers did at the same ages. Not only that, but it also looks like Gen Z is catching up to us before we’ve even had a chance to get ahead. Simply put, it sounds...

    ws-studio

    6 mins read
    How Investing in Cryptocurrency Works

    Invest|Trending Finance News

    How Investing in Cryptocurrency Works

    With Bitcoin prices rising to nearly $30,000 this year and the Dogecoin frenzy sending everybody into a panic, it makes sense that more and more beginner investors are wondering how investing in cryptocurrency works.

    ws-studio

    7 mins read
    How to Retire By 50: 5 Steps to Retiring Early

    Retirement

    How to Retire By 50: 5 Steps to Retiring Early

    Most people in 2021 plan to retire by 62 years old. But what if you want to retire at 50? That sounds like a laughable goal to most millennials who are drowning in debt and working four different side hustles just to make ends...

    ws-studio

    4 mins read
    Investing in Dividend Stocks for Beginners

    Invest

    Investing in Dividend Stocks for Beginners

    While most people who are attracted to the idea of earning a passive income do so in the form of affiliate marketing, course creation, or ads, investing in dividend stocks is actually a pretty easy way to earn income passively...

    ws-studio

    6 mins read
    Is a 401(k) an IRA?

    Retirement

    Is a 401(k) an IRA?

    Last year, 60 million Americans participated in 401(k) programs, with half of Gen Z workers participating in some form of retirement program. While that’s great for the 60 million Americans that contributed to their future...

    ws-studio

    5 mins read
    How to Pay Off Student Loans Fast: 8 Tips for Financial Success

    Pay Off Debt

    How to Pay Off Student Loans Fast: 8 Tips for Financial Success

    Did you know that black and African American college graduates owe an average of $25,000 more in student loan debt than white college graduates? And women hold two-thirds of the nation’s student loan debt. If the scales haven’t...

    ws-studio

    6 mins read
    Why'd The Trade Desk Stock Drop 25%?

    Invest

    Why'd The Trade Desk Stock Drop 25%?

    What’s happening with The Trade Desk stock prices and why is it such a big deal? Welcome to our breakdown of the most important changes in the stock market this week. 

    ws-studio

    5 mins read
    Profit-Sharing 401(k): Is It a Good Investment?

    Retirement

    Profit-Sharing 401(k): Is It a Good Investment?

    When reviewing an employee benefits package, you may come across profit-sharing 401(k)s. Profit-sharing plans are not as common as traditional 401(k)s, which is why many people are unfamiliar with them.

    ws-studio

    7 mins read
    What’s the Deal with the Dogecoin Frenzy?

    Invest

    What’s the Deal with the Dogecoin Frenzy?

    Everyone’s heard of crypto by now. Some people have gone as far as to invest in cryptocurrency, whereas the knowledge some of us possess extends only as far as knowing it’s kinda like money. It’s online money you can’t touch but...

    ws-studio

    6 mins read
    What is Bitcoin Halving?

    Invest

    What is Bitcoin Halving?

    Blockchain.com wallets, something that makes purchasing Bitcoin possible, reached over 63 million wallet users at the end of December 2020. So, it comes as no surprise that Bitcoin and other cryptocurrencies continue to increase...

    ws-studio

    4 mins read

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