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Ramit Sethi of I Will Teach You To Be Rich talks to Gabriella, 36, and Chris, 40, a married couple from Pennsylvania with four kids and over a decade of financial struggle behind them. They both work multiple jobs. Chris travels all week as an electrician and picks up brewery shifts on weekends. Gabriella manages three income streams while running the household alone. And yet they have zero savings, $32,000 in credit card debt, and fixed costs sitting at 109% of their income. But the numbers are only part of the story. What Ramit uncovers is a marriage where…

Have you been thinking about starting your own business? Maybe you’ve caught yourself daydreaming about starting your own small business idea and being your own boss, setting your own schedule, or building something that belongs to you. But at the same time, you might be wondering if you’re actually ready. A lot of people feel… Have you been thinking about starting your own business? Maybe you’ve caught yourself daydreaming about starting your own small business idea and being your own boss, setting your own schedule, or building something that belongs to you. But at the same time, you might be…

This month’s jobs report looks strong on the surface, with 178,000 jobs added and unemployment ticking down—but a closer look tells a more complicated story. When I compare it against other data like job openings and layoffs, it still points to a slower, low-hiring environment, raising the question: is this a real shift, or just a standout month? In this First Friday episode, I break down what’s driving the disconnect between major labor reports, what the Fed’s latest decision signals about inflation and interest rates, and how a sudden spike in oil prices could ripple through everything from mortgage rates…

June Sham writes for NerdWallet. Email: jsham@nerdwallet.com. The article What to Expect When Meeting with a Financial Advisor originally appeared on NerdWallet.

As a parent to two young children, I am a target client for universities everywhere. So far, I have saved over $800,000 in two 529 plans to pay for universities in 9 to 12 years. I know we need to pay full freight because we are nobodies with average intelligence, but make above the low income limit to receive free or heavily subsidized tuition. As a potential customer spending this much money, I logically do extensive research. If the benefits don’t outweigh the costs, I won’t buy the product. We do this analysis with cars, electronics, homes, vacations, and stocks.…

Military aid societies are some of the most powerful – and least understood – tools in the military community. Organizations like NavyMarine Corps Relief Society (NMCRS), Army Emergency Relief (AER), Air Force Aid Society (AFAS), and Coast Guard Mutual Assistance (CGMA) stand ready to step in when a financial emergency hits, and they rely on the generosity of that same community when times are better.​  There When You Need Them  Early in my career, as a young Private stationed in Germany, my father’s health suddenly took a turn for the worse. There was no extra money in my account for an emergency plane ticket home, much less spending money for a meal or two on my…

 My $0 to $100k Playbook (full beginners guide) Here’s something most people never do: actually calculate when they’ll have $100,000. They worry about money. They cut back on random things. They tell themselves that a raise will fix everything. But they never sit down and run the numbers. In this special bonus episode, Ramit walks you through exactly what it takes to get to your first $100K. The math, the system, and the mindset shifts that actually move the needle. He covers compound interest in a way that finally makes the numbers click, shows you the exact calculator…

Do you have old college textbooks lying around? You can probably make some money off of them and help someone else avoid paying the full cost for a new textbook by selling your used textbooks. When I was in college, I bought used textbooks all the time from online sites. I don’t think I ever… Do you have old college textbooks lying around? You can probably make some money off of them and help someone else avoid paying the full cost for a new textbook by selling your used textbooks. When I was in college, I bought used textbooks all…

SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. Car warranties can be confused with vehicle service contracts (VSCs), in part because a VSC is often called an extended warranty. Though they’re both called warranties, they provide different types of coverage from different sources.A true car warranty is automatically included with a new car and provided by the vehicle manufacturer. It promises that the vehicle doesn’t have any defects, and that the manufacturer is…

Where should you park money that you’ll need in three years? It’s a question that forces you to balance safety with returns, and resist the temptation to gamble on the stock market just because it’s been going up for 17 years. In this Q&A episode, Joe and I answer three listener questions. Olivia is saving for a year-long sabbatical in 2029 and wants to know if a money market fund is right for a three-year goal. Robert is 53, planning to retire in 3-4 years with 58% in Roth accounts, should he prioritize taxable accounts or keep maxing Roth? And…