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Needed home repairs and upgrades can sneak up on you sometimes. When savings cannot cover the bill, personal loans for home improvement may seem like a clean fix. You get cash now, then pay it back over time. A personal loan can help, but it still adds a monthly payment. That matters if money already feels tight. Before you borrow, it helps to know how these loans work, what they cost, and how they compare with other choices. Personal Loans for Home Improvement A personal loan for home improvement is often an unsecured installment loan. You get a lump sum,…

Are you looking for the best side hustles for couples? I have done many side hustles over the years with my husband, and I know many other couples who have too. There are so many reasons to want to make extra money as a couple. Maybe you want to save for a house, pay off… Are you looking for the best side hustles for couples? I have done many side hustles over the years with my husband, and I know many other couples who have too. There are so many reasons to want to make extra money as a couple.…

The latest update from Trump’s Small Business Administration presents itself as an Independence Day gift for entrepreneurs: up to $10 million in SBA financing. But small-business owners shouldn’t start celebrating just yet.Beginning July 4, 2026, qualified borrowers will be able to access up to $10 million in SBA financing by combining 7(a) and 504 loans. Borrowers can first get a 7(a) loan of up to $5 million, followed by a 504 loan of up to $5 million.Previously, you could combine 7(a) and 504 loans, but only for a total maximum of $5 million. In other words, if you had a…

As we edge closer to financial independence, a funny thing happens to the finish line: it often starts to move. But the goalposts don’t always shift because of lifestyle inflation or uncontrolled spending. Sometimes, they move because our vision for our wealth expands—particularly when it comes to long-term charitable giving, family legacy, and community impact. Joe and I break down how to accurately navigate moving goalposts without trapping yourself in permanent corporate gridlock. We tackle an array of structural, tactical, and emotional portfolio questions from our community. We provide actionable frameworks for optimizing tax-deferred retirement account structures, structuring a personal…

Do you know who will most likely survive a zombie apocalypse? Green Berets and Navy SEALs who had to suffer to earn their place. If you have run six miles a day for years, jogging thirty minutes to evade the horde because there are no Ubers is nothing. If you have carried 125-pound sandbags up a hill for two miles, hauling a 30-pound backpack six blocks to a meeting barely registers. Suffering builds a floor. Once you know where your floor is, almost nothing can drop you below it. And here is the crucial part that most people miss: future…

If you have the Chase Sapphire Reserve® or the Sapphire Reserve for Business℠, you can now redeem Chase Ultimate Rewards® points at a rate of 2.5 cents per point for certain hotels. That’s the highest value Chase has ever offered for bookings in its travel portal, surpassing the median value of even the issuer’s most valuable transfer partners.Most travel redemptions booked through Chase’s travel portal yield a value of just 1 cent per point. However, there are some hotels and flights that qualify for Points Boost, where Chase Sapphire Reserve® cardholders can earn as much as 2 cents per point,…

When a crisis hits the stock market, we tend to think that data, algorithms, and cold logic rule the day. But behind every major investment portfolio is a human being subject to the exact same psychological traps, behavioral blind spots, and emotional relationships that affect everyday investors. We sit down with Clare Flynn Levy, a former tech sector fund manager who lived through the eye of the 2008 financial crisis at a London hedge fund. Today, Clare is the founder and CEO of Essentia Analytics, a firm that uses data to help institutional fund managers identify and fix behavioral biases…

At a poker game recently, I heard one of the saddest things I’ve encountered in a while: “$10 million is not enough to retire early.” Mind you, we were all sitting in San Francisco, an expensive city, but also one of the cheapest international cities in the world. So I get it, context matters. But I couldn’t shake how genuinely depressing that statement was. Nobody at the nine-person table disagreed. Only one person even questioned it before I stepped in and said what apparently needed to be said: $10 million is absolutely enough to retire early. What struck me even…

Closed-end credit is a type of loan that provides a borrower with a fixed amount of money upfront and requires repayment over a set period of time, usually in equal installments.  Unlike revolving credit such as a credit card, the balance does not reset once it’s paid off. If you’ve ever taken out a mortgage, auto loan or student loan, you’ve likely used closed-end credit. Understanding how it works — and how it differs from other forms of borrowing — can make it easier to evaluate whether it is the right fit for your situation. What Is Closed-End Credit? The…

Ramit Sethi of I Will Teach You To Be Rich talks to Sebastien and Hope, a married couple in their forties who have been together for 20 years, married for 16, and have a nine-year-old son. They earn around $195,000 a year, have $674,000 in assets, $129,000 invested, just $11,000 in savings, and $437,000 in debt. On paper, they are not broke, but emotionally, Sebastien still feels like they are constantly scrambling, while Hope believes their personal finances are in the best place they have ever been. Both recently became business owners, with Hope running an architecture firm and Sebastien…