Author: Laura Adams

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8 Ways to Maximize Your Investments With Robo-Advisors

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If you’re too busy to stay up-to-date on financial markets and investing strategies, one of the best ways to boost your returns with minimal effort is …

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5 Signs You’re Investing Too Much for Retirement

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We have two great retirement questions today. The first comes from Kevin, who says, “My wife and I have loved your podcasts for years and are taking every …

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6 Signs You’re Investing Too Much for Retirement

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There’s no denying that investing for retirement is a top money goal you should include in your financial planning. But can you take it too far …

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What Is the Time Value of Money & What Does It Mean to Me?

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The time value of money, or TVM, is a fundamental concept that affects your financial planning and investment success. Whether you’re considering borrowing, saving, or investing, …

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Can FIRE Help You Retire Early?

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If you’re like many people, you’d jump at the chance to retire early with plenty of time and money to pursue the lifestyle of your dreams. …

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Will I Owe Taxes if I Sell My Home?

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If you plan to see your primary residence, will you have to pay taxes on your home sale? What are capital gains and losses? First, let’s …

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Pro Tips for Avoiding Unbearable Financial Stress

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Many people mistakenly believe that their financial stress would disappear if they had more money. Sometimes, earning more is the solution to improving your finances. However, …

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10 Rules for Successful Investing You Should Know

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Whether you’re new to investing or have been at it for decades, following some tried and true rules can give you more confidence, reduce risk, and …

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Bitcoin: Breaking Down the History (& Controversy)

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Whether you’re a Bitcoin enthusiast, believe it’s a scam, or aren’t sure what to think about cryptocurrency, it’s wise to learn more about it. The idea …

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Which Investing Technique Can Get Me More More: Lump Sum or Dollar Cost Averaging (DCA)?

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A Money Girl listener named Eric says, “I really appreciate listening to your show and all the great information you give. I have a question regarding …

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4 Strategies to Earn More Interest on Savings

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A Money Girl listener says, “Hi Laura, my name is Hannah, and I’m from the great state of Maine. I was wondering if you could talk …

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Smart But Not-So-Obvious Ways to Save Money Using Your Health Reimbursement Account (HRA)

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What is a Health Reimbursement Account (HRA)? An HRA is a benefit plan that some employers offer to help workers pay their and their families’ qualified …

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Traditional vs Roth IRA: Which One Is Better for You?

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Regularly investing using one or more tax-advantaged retirement accounts is wise if you want a financially comfortable retirement. I’m a big fan of individual retirement accounts …

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7 Smart Strategies to Get Out of Credit Card Debt Faster

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If you use credit cards for their convenience, rewards, and protections and pay off your balance in full each month, you’re getting the best of your …

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HSA Hacks You Need to Know for 2024

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How do you make the most of an HSA? Jack G. says, “Hi, Laura. I recently enjoyed your finance podcasts on HSAs–thank you! I heard about a unique HSA feature allowing …

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10 Ways to Save Money on Car Insurance

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If you own or lease a vehicle, every state requires you to have some amount of auto insurance. Even if you don’t own a car but …

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6 Ways to Prepare Kids for Financial Freedom

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Raising financially independent adults involves more than just handing out money or funding their education. It’s about providing them with essential financial knowledge and the mindset …

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Got ‘Zombie Debt?’ Here’s What to Do About It

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What is zombie debt? Ever faced financial difficulties, made you unable to pay a debt? It is pretty distressing. Or possibly, you know someone struggling with …

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3 Tips For Budgeting When You Have Unpredictable Expenses & Income

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Navigating your budget can be challenging, especially when dealing with variable expenses and unpredictable income. This post will provide strategies to manage your money effectively, regardless …

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6 Interesting Ideas For Investing in Real Estate

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Whether you’re a beginner or a seasoned investor, understanding different approaches to real estate investing can help you choose the best fit for your resources, desired …

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4 Super-Common HSA Mistakes (& How to Fix Them)

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Jaishree E. says, “I can’t thank you enough for your work educating the world about personal finances. The things you’ve taught me have been invaluable! Recently, …

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5 Tips for Keeping Tax & Other Financial Records Organized

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Knowing how long you should keep tax records and other financial documents can be confusing. Many people are so afraid to throw away papers that they …

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What Are the Tax Differences Between a Sole Proprietorship and an LLC?

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Wasittha says, “Hello, Laura! I’m a big fan, and thank you so much for providing good financial information. I’m starting a local cottage business creating freeze-dried …

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7 pros & cons of 401(k) retirement plans in 2024

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A 401(k) retirement plan is a financial powerhouse, offering unparalleled benefits for those fortunate enough to have access to one. Whether through an employer-sponsored 401(k) or …

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13 no-brainer steps for achieving financial success in 2024

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Creating your own definition of success and being proactive about reaching it is a surefire way to accomplish more with your money. 13 Things You Must …

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Do I want a 401(k) or a solo 401(k) in 2024?

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A 401(k) is a popular type of tax-advantaged retirement plan that an employer can offer. And if you’re self-employed, you may choose a similar account called a solo …

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Drinking & driving in the New Year? Your auto insurance could go up 300%

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Getting a single DUI conviction can negatively affect your life in many ways. Having too many drinks may seem harmless at the time, but the second …

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What does it mean to be vested with a company?

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If you have a workplace benefits package, some of your perks may come with a “vesting schedule” or “vesting period.” It’s critical to understand how vesting …

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How to protect your money from cyber threats in 2024

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In a recent episode of my personal finance podcast, Money Girl I was joined by a special guest, Adam Levin. He’s a consumer affairs advocate and nationally …

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Missing Mint already? Here are 10 replacement budgeting apps just in time for 2024

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Chris C. says, “I’ve used Mint to track my finances for years based on many recommendations you made on the podcast. With the announcement that Mint …