Financially Preparing For College

No matter who owns the 529 plan, your child will receive less financial aid for being a recipient of the account’s funds, and for a significant majority of Americans, the implied effective tax rate of the financial aid reduction exceeds their Federal income tax rate…

Non-Discretionary Optimizations: Cell Phone Bill

A recent demonstration of my savviness was changing my cell phone service provider. I simply could no longer tolerate paying $45 per month. Notably, by this comparison alone, the average American could save $420 a year if they just changed to the plan that I have deemed to be no longer bearable…

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