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Latest articles
Should I Get a Gas Cashback Card Now? Avoid Costly Traps
The priciest mistake: carrying a balance for tiny pump rewards The priciest mistake isn’t paying 10¢ more per gallon. It’s paying 20%+ interest while chasing 3% back at the pump. I’ve watched smart people, colleagues, clients, me years ago, fall for this. The bonus at the gas station feels like free money. But if you carry a balance, those “rewards” are usually a mirage. Interest eats them alive, fast. Here’s the blunt math. Gas cards typically pay 3% to 5% back. The Federal Reserve reported that the average APR on credit cards that were assessed interest sat above 22% in…
Windfall 2025: Prioritize Taxes, Debt, and Savings
Old playbook vs 2025 reality: what to do first with a windfall Old playbook said: get a windfall, wipe every debt clean, call it a day. Feels tidy, sure. But in 2025, that knee‑jerk “pay off everything immediately” move can burn cash you don’t need to burn, trigger avoidable taxes, and stall compounding. A windfall isn’t free money, taxes and timing come first this year. I’ve watched too many people nuke 0% promos and low‑rate loans while leaving themselves exposed to tax underpayment penalties and no liquidity. Not great. What changed? Rates, student‑loan rules, and employer benefits in 2025 make…
Should Investors Expect Rate Cuts With 3% Inflation?
No, 3% inflation doesn’t guarantee rate cuts Quick question I keep hearing on trading calls: CPI’s got a 3-handle again, so we’re getting cuts, right? Short answer: no. Longer answer: the Fed doesn’t set policy off a single headline print, and certainly not off the psychological comfort of a “3.” The target is 2% PCE, not CPI, and it’s about a durable path to 2%, not a vibe check because a number looks tidy on CNBC. Here’s where people keep slipping in 2025. Early in the year, markets priced a fast cutting cycle the minute CPI cooled a bit, only…
Should Retirees Buy Gold Before Fed Cuts? What to Weigh
When a plan meets a pivot: how rate cuts change retiree math When a plan meets a pivot, the math changes, sometimes quietly, sometimes like a bucket of ice water. Picture a retiree who set a steady 4% withdrawal plan in a 5% cash world. In 2023-2024, that felt easy: money market funds routinely printed north of 5%, the Crane 100 Money Fund Index sat around 5.1%-5.2% in late 2023, and 3‑month T‑bills hovered near 5% after the Fed held the policy rate at 5.25%-5.50% from July 2023. A $1 million nest egg could earn roughly $50,000 in cash yield,…
Should You Retire After Losing Your Job? Avoid Mistakes
The costliest mistake after a layoff: locking in a bad plan The costliest mistake after a layoff isn’t the layoff. It’s locking in a bad plan, fast. I’ve watched smart people make an emotional, permanent retirement decision in the first 60-90 days because the paycheck stopped, markets looked jumpy, and COBRA quotes made their eyes water. I get it. Stress compresses time. But that first quarter after a job loss is exactly when permanent moves, cashing out a 401(k), claiming Social Security at 62, pulling a big IRA distribution, can drain decades of wealth in a hurry. Here’s my take,…
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