One of the biggest reasons people don’t invest outside of a 401K, beyond a fear of investing, is that they think their savings levels are too low to invest. “How can I possibly invest whe...
One great thing about switching to a HDHP for your insurance is that your HSA can be used to cover the cost of prescription drugs. This means that you no longer pay an out-of-pocket co-pay (usually $...
Money can be a great tool. When used wisely, it affords us the opportunity to see, do, and experience a lot of things. Each “0″ we add to our net worth can increase our feeling of comfort...
One of the relatively newer insurance products to hit the market is “mortgage life insurance”. If you’ve bought a home in the past few years, you’ve probably been offered the ...
A friend approached me the other day with a question, “Hey, do you use the Mint.com app? I think it would be a great way for me, for example, to take a look at my restaurant budget and determin...
Two of the lowest cost (and my favorite) online brokers, Zecco and TradeKing, have officially announced a merger. I have had a non-retirement account with Zecco and a Traditional IRA and Roth IRA wit...
Ahhh… the dentist… 30 awkward minutes of staring at the ceiling in order to avoid eye contact or looking directly into a blinding light while answering small talk questions as a complete ...
Gen Y, aka the “Millennials” (ages 18-34), are proving to be a little more cautious about their spending behaviors than their predecessors, the Gen X’ers and Boomers. A recent repor...
“A penny saved is a penny earned” is not my favorite cliche, but it does contain the two fundamental personal finance components within its seven words: 1. saving money 2. making money At...
With almost every single purchase we answer a question (consciously or subliminally): “What is the most convenient option?” It has become second nature. If our purchasing power doesn̵...
In a world where thieves mug grandmas in grocery store parking lots to steal their purses, it’s no surprise that mail identity theft and mail fraud have become very prevalent. Stop and think fo...
Can money buy happiness? Yeah, probably, to an extent. Or it can at least remove some unhappiness. We can all agree on that, right? Better question: “at what $ amount can money no longer buy ha...
Cut your Credit Card Interest Payments to $0 with this Chase Slate Promo The following is an example of a promotion that I am affiliated with where I think the offering provides a strong value for a ...
We recently discussed how impact reduction has a direct correlation to personal wealth. The discussion prompted reader, Bill, to write in with a great question, “I assume that you invest a lot ...
“Don’t be so cheap.” “You’re such a cheapskate.” “Why are you so cheap?” “What a cheap-ass!” How many times have you said, heard, or receiv...
This should not come as a shock to people, but 20somethingfinance.com <gulp> generates an income. You’ll either be super interested in this, or you’ll quickly stop reading. So, here...
Debit or credit card theft and fraud seems like an increasingly common occurrence these days. If it happens to your credit card, in most cases you are covered. However, it can still a very stressful ...
Limiting your environmental impact while still being frugal is becoming increasingly easy these days with technology. There are a lot of those great little energy savings inventions that fill a niche...
If this post header doesn’t win some kind of award, there is no justice in this world. So… little story. I’ve been subscribed to Groupon (two years), Google Offers (9 months), and a...
Earth Day is coming up this coming Sunday, so I wanted to contribute by sharing my personal story, thoughts, and beliefs on impact reduction, ethical responsibility, and personal finance and distill ...
$4 per gallon gas is back! And there’s a certain sentiment of discontent in the air. When verbalized, it often is along these lines: “I can’t believe I have to f’ing pay $4 pe...
Recently I laid out a story that hit close to home on why you need home insurance, despite it seeming like a waste due to the limited nature of catastrophic events. A few readers voluntarily followed...
Remember pre-Great Recession, circa 2008, when gas prices shot up from under $2 per gallon to over $4? People were scared and PISSED! Used Prius’s were selling for over the MSRP of new ones (be...
In late January, I ran an electricity cost experiment where I tested every plugged-in appliance in my home to see what kind of standby power they were using. The obvious goal was to raise self awaren...
Kiplinger.com just included 20somethingfinance as one of its 10 best standout personal finance blogs this past week. Nothing like a good back patting by bringing it up, right? But, seriously, I felt ...
… in my dream. And the dream looked something like this: 1. Took the lump sum vs. the annuity. 2. Divided it equally into conservative fixed-income, low-risk investments. Didn’t touch the...
Just another sunny, 75-degree early evening in March in Michigan… OK, that’s not so normal… Clouds started to roll in quickly. The skies started to turn grey. Then thunder. Lots of ...
We’re only a few weeks away from the tax deadline. That means a whole lot of procrastinators (myself included) are going to be filing their taxes any day now. If you are due a refund, the linge...
“Generation Y” and “The Millennial Generation” are common labels for the generation of Americans born from the early 80′s through the early 90′s (no doubt a health...
2012 National Park Week In the Spring of every year, the U.S. National Park Service hosts “National Park Week“. I love highlighting this because the U.S. national parks are truly a great ...
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