Price Point

It’s true that dollar stores have improved greatly in recent years. Most dollar stores now carry name brand items in some cases. You can likely find a wider selection of grocery-type items too. However, just because dollar stores have improved their offerings doesn’t mean that they are always a good idea. Indeed, there are some […]

While most people have likely never heard of a sinking fund, it is a commonly used financial instrument. Simply put, a sinking fund is a fund containing money that has been set aside or saved to pay off a debt or bond. Companies that issue or take on debt need to pay off that debt […]

Creating a budget is a meaningful step toward financial stability, yet many people still find themselves falling short month after month. Even with good intentions, daily habits, emotions, and thought patterns can pull spending off course before you realize it. Human psychology often plays a larger role than math, making it easy to drift away […]

Many employers offer compensation that becomes fully available only after an employee remains with the company for a set period, creating a powerful incentive to stay. The approach is often called vested interest and can influence career decisions, retirement timing, and overall financial planning. Whether tied to retirement accounts, stock awards, or other benefits, it […]