Why Is a Reverse Mortgage Almost Always a Bad Idea?
With 1 in 5 Americans having no retirement savings, it should not come as a surprise that a reverse mortgage is sometimes something people turn to in order to try and
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Finances
Don’t Take a Home Equity Loan for a College Education
With the rising cost of a college education, it can be challenging to come up with the money to pay for higher education. Student loans,
Smart Consumer
Are New Cars Worth the Money?
Aside from most new automobiles being a terrible purchase from a financial perspective, are new cars worth the money? Living in the throw-away world we
Making Money
Don’t Take a Job Just for the Money
Money definitely matters and it certainly can be a major motivation when it comes to finding work and establishing a career. It’s easy to say
Life
Financial Lessons Learned From the Pandemic
The current global pandemic the world is experiencing will forever change many lives individually, entire families, and future generations. For people that lose loved ones,
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Should You Relocate for a Job?
The decision to relocate for employment can be a big one. The choice can affect a person personally and professionally. Results from moving for a
Why You Need an Emergency Fund Starting Today
If you don’t already have an emergency fund established for unexpected life events, you need to put one in place today. According to a recent
Smart Investment Buys Can Save Money
I will freely admit that I am what some people would describe as cheap. This is not quite how I would describe it, but many
Does Everyone Need a Financial Advisor?
What are some of the top reasons to not have a personal financial advisor? Making investment decisions for retirement or opening a brokerage account to
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What is Smart Start Money?
Smart Start Money provides information on making smart money decisions. Providing tips, personal experiences, and money-saving resources, the goal is to help people start each day by staying out of debt, build wealth, and remain on a path of financial freedom.
Times have changed since getting a job and keeping the same place of employment for a lifetime. The average time spent with one employer is now three to five years. Companies are replacing workers with lean staff that previously held more people to accomplish the same tasks. This has resulted in periods of unemployment for many people making it challenging to save for retirement and stay debt free.
The rising costs of healthcare, consumer goods, and wages that often do not seem to keep pace with the cost of daily life make it more important than ever to make smart financial decisions.
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Resource: Federal Reserve Bank of New York Consumer Credit Panel/Equifax/Experian
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People That Have No Retirement Savings
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People That Have No Savings At All
