Personal Finance

Debt expert Nika Booth started her journey in 2018, following Dave Ramsey's advice to cut back on all discretionary spending. Soon, she realized depriving herself of fun spending was sabotaging her debt payoff efforts. She regrets making four…

(Kailey Hagen) Social Security was never meant to pay for your whole retirement, but there's no denying that large checks can make your life a lot easier. You might know that you can grow yours by increasing your income today, but there's another, easier way to squeeze more out of the program, and it could…

(Maurie Backman) When it comes to building an investment portfolio, you have a choice. You could assemble a mix of individual stocks or load up on broad market ETFs, or exchange-traded funds. Or you could do a little of both.Even though I'm comfortable researching stocks and investing in businesses…

Image source: Getty Images We can all use some money advice. Key points Financial advisors are not just for wealthy people.They can help you with…

(Stefon Walters) I'll be the first to admit that life has a way of throwing you curveballs when you're seemingly the least prepared for them. According to the Annual Transamerica Retirement Survey, 27% of people with retirement accounts have needed to take early withdrawals. While it might be the last and…

The word “embedded” literally means “to fix something firmly and deeply in something else”, and thus embedded finance ends up translating to fixing or attaching financial offerings to a non-financial offering. A simple example of this would be – pop-up for travel insurance while booking flight tickets.  According to a study, every…

After months of spiking, mortgage rates have generally been falling over the past couple of weeks — though they've experienced some volatility. Average 30-year fixed mortgage rates dropped below 5% last week for the first time since early April.Inflation has pushed rates up over two…

(Selena Maranjian) Here's some bad news: The average monthly Social Security retirement benefit was recently just $1,669, or about $20,000 annually. The fact that this is an average means that plenty of people receive less -- and sometimes a lot less -- than that. On the other hand, those with an…

A financial planner says money is a tool to help you live the life you want. One way to make the most of it is to spend on services that save time, like hiring an accountant for taxes or a house cleaner. If you calculate what your time is worth,…

Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page. Bottom line: Betterment is best for…