5 Ways This Government Website can Help Your Finances (Yes, a Gov’t Website That’s Useful)

It’s not often that we use the words “government” and “useful” in the same sentence (at least without the word “not” in between). But we had to share one great money tool that is in fact a government website. Yes, it’s actually run by the government, and it’s a great resource for a lot of […]


DR 070: Investing Made Easy – An Interview with Betterment Founder Jon Stein

Several years ago I met Betterment’s founder and CEO, Jon Stein. At the time, Betterment was just getting started, and we had a chance to talk about what Betterment offered investors. Since then Betterment has grown significantly, with over $500 million under management. To find out what is new and to learn more about Betterment, […]


DR 069: Are Dave Ramsey’s Investing ELPs Good for Your Wealth?

Dave Ramsey may have helped you climb out of debt, but should you now follow his investing advice? His views on investing have come under fire lately. From his claim that stocks return 12% annually to his love of growth mutual funds, professional advisors have not been shy about their criticism. (Save Like Dave Ramsey. […]


Marginal vs Effective Tax Rates–What You Need to Know

Several readers have recently emailed me about Roth retirement accounts. The questions that have arisen include the difference between marginal tax rates and effective tax rates. It’s an important topic that we’ll cover in two articles. In this article we’ll walk through the difference between marginal and effective tax rates. In the next article we’ll […]


DR 066: How to Refinance Your Student Loans – Interview with Dan Macklin of SoFi

We’ve been getting lots of reader questions recently on student loans – what to do with them, how to pay them off, and whether or not to consolidate them. Luckily, I was recently contacted by a relatively new company, SoFi. This company specializes in consolidating and refinancing student loans, and it could offer a great […]


DR 065: How to Pass Your Digital Assets to Your Loved Ones When You Die

What happens to your Facebook account if you die? And would your relatives be able to access your online bank accounts, should the worst happen? What tools can you use to manage all the login credentials for these online accounts so that you can easily get them to the right people at the right time? […]