An Individual Retirement Account (IRA) is a personal savings plan for retirement. It helps Americans save money with special tax benefits. Unlike a 401(k) from an employer, an IRA gives you full control of your savings. You can choose how to invest and how your money is taxed. IRAs are important because they offer tax-deferred…
How to Get Out of Debt: Debt can feel overwhelming, stressful, and sometimes impossible to manage. With U.S. consumer debt exceeding $1.77 trillion in 2025, more people than ever are seeking ways to regain control over their finances. Whether it’s credit card debt, personal loans, student loans, or medical bills, creating a clear plan is…
Refinance Student Loans: Student loan debt in the U.S. now tops $1.77 trillion. With interest rates easing from their 2023–2024 highs, 2025 is a great year to refinance. Borrowers with older loans at 6–8% (or higher) can save hundreds each month or pay off their debt years earlier. Refinancing isn’t for everyone. If you have…
If you’re shopping for car, home, or life insurance, you’ve probably seen Allstate commercials with Dennis Haysbert and the tagline, “You’re in good hands.” But catchy ads don’t pay claims. So let’s answer the real question: Is Allstate actually a good insurance company for 2026? Short answer: Yes—but only if you’re the right kind of…
If you’re tired of seeing your car insurance bill climb higher every year—like it feels like it’s in a race with gas prices and groceries—I’ve got some good news to share. On November 19, 2025, Georgia’s Insurance and Safety Fire Commissioner John F. King announced a big win: State Farm, one of the state’s largest…
Knowing what your discretionary income is (and how discretionary income is calculated for student loans) is key to managing your federal student loan payments. The government uses discretionary income — the part of your adjusted gross income (AGI) above a set percentage of the federal poverty guideline — to figure out monthly payments for income-driven…
Pay off student loans or Invest: If you have $30k–$150k in student loans and $200–$2,000 extra each month, you face a big choice: pay off debt or invest. Start by reviewing your finances. Cover your essential expenses. Build an emergency fund. Always make at least the minimum loan payments. This guide breaks it down with…
Can You Use Your 401(k) to Pay Off Student Loans? Yes but If you’re drowning in student loan debt and staring at a growing 401(k) balance, you’ve probably wondered: “Can I just pull money from my 401(k) to wipe out these loans once and for all?” The short answer: Yes… but it’s usually a really…
Allstate Home Insurance Reviews: Allstate is a household name in U.S. insurance, famously known for its slogan, “You’re in good hands.” Founded in 1931 and based in Chicago, Allstate now protects over 16 million households nationwide, making it the second-largest personal lines insurer after State Farm. In 2025, Allstate has enhanced its technology and sustainability…
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