Category: Personal Finance
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Why Holding Cash Isn’t Always a Bad Move
Conventional wisdom says cash is trash. In the right conditions and at the right life stage, holding meaningful cash is a strategic move, not a mistake.
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Smaller Homes Can Offer Better Value
American homes have doubled in size since the 1970s while household sizes have shrunk. Smaller homes often deliver more financial and emotional return.
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Waiting to Buy Can Sometimes Pay Off
Patience isn’t always profitable, but on certain purchases the discount for waiting is enormous. Here’s when delayed buying actually wins.
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Cash-out refis built the 2008 crisis and we’re doing it again
Cash-out refinancing helped inflate the housing bubble that crashed in 2008. The data says we’re repeating the mistake. Here’s what’s different — and what isn’t.
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The Financial Advice Industry Is Built to Keep You Average
Most financial advisors don’t beat the market — they’re paid to keep clients in line. Here’s why the advice industry’s incentives reward mediocrity.
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Buying New Cars Is Often a Financial Mistake
New cars lose thousands the moment you drive off the lot. The math behind depreciation, financing, and insurance makes used the smarter default.
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Why Some People Should Take Out Personal Loans Instead of Budgeting
Budgeting advice assumes the problem is spending. For some borrowers with multiple high-interest debts, a personal loan is the more honest math.
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Suburbs Aren’t Always Cheaper
The lower price per square foot in the suburbs hides commuting, transportation, and lifestyle costs that often add up to more than urban living.
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Why Some People Should Never Use Credit Cards
Credit card rewards aren’t free if you carry a balance even occasionally. For some spending patterns, the math is overwhelmingly against using them at all.