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FORGOTTEN HISTORY: 14 - The Untold Story

One Child Is Successful and One Is Struggling — Should Parents Leave Them Equal Inheritances?

Parents often treat equal inheritances as the cleanest possible solution. Split everything 50/50, sign the paperwork, and let the children sort out the rest.

The Free Financial Advisor · Oct 9

Being Good With Money Can Go Too Far — 7 Signs Frugality Has Become Fear

Frugality becomes a problem when saving money stops being a choice and starts running the household. A person can have a perfectly sensible budget and still feel guilty buying lunch, replacing worn-out shoes, or turning on the heat.

The Free Financial Advisor · Oct 9

Your Paycheck Stops on Retirement Day — Which Account Should Pay the Bills First?

Retirement can create a strange money problem: the bills arrive exactly as usual, but the paycheck that handled them disappears. Suddenly, someone has to decide whether the mortgage, groceries, utilities and insurance should come from a bank account, brokerage account, traditional IRA, 401(k) or Roth IRA.

The Free Financial Advisor · Oct 9

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You Don’t Need $7 Million in the Bank to Afford a $7 Million Life — Here’s What That Number Really Means

A $7 million life does not require $7 million sitting in a checking account. That number can describe the total value of everything a household earns, spends, owns, and uses over decades, rather than a pile of cash waiting for retirement.

The Free Financial Advisor · Oct 9

A New Federal Retirement Match Starts in 2027 — But Your IRA Provider May Not Accept It

The federal Saver’s Match arrives for retirement contributions made in 2027, offering eligible savers up to $1,000 a year from the government. The catch sits in a place many people will not think to check: the company holding the IRA.

The Free Financial Advisor · Oct 9

Consumers Are Trading Down Even as Spending Rises — What the Split Economy Means for Investors

Consumers are still opening their wallets, but they are becoming much pickier about what deserves the money inside them. That creates a strange picture for investors: spending can rise while shoppers quietly move toward cheaper brands, discounts and value retailers.

The Free Financial Advisor · Oct 9

5 Frugal Tricks For New Homeowners

New homeowners can save a surprising amount of money by changing a few everyday habits before expensive problems appear. The biggest savings often come from boring little decisions, such as learning where the water shutoff sits or resisting the urge to replace something that still works.

The Free Financial Advisor · Oct 8

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Inheriting a House? These States Can Make It More Expensive to Keep

Inheriting a house sounds wonderfully simple until the house starts sending bills. The mortgage may be gone, but property taxes, insurance, repairs and, in some states, inheritance taxes can quickly change the math.

The Free Financial Advisor · Oct 8

The Student Loan “Tax Bomb” Is Back on Borrowers’ Minds Before 2026 Ends

Student loan forgiveness can erase a frightening balance from a borrower’s account, but the IRS may not always let that erased debt disappear quietly. A federal tax break that shielded many forgiven student loans from federal income tax ended after 2025, putting the so-called student loan “tax bomb” back on…

The Free Financial Advisor · Oct 8

Your 401(k) Strategy May Need to Change at 50 — Here’s What Happens in 2027

Turning 50 can change more than the number on the birthday cake. It can also open the door to larger 401(k) contributions, while a major SECURE 2.0 rule starts affecting certain workers in 2027. That matters because the catch-up contribution you have relied on for years may no longer get…

The Free Financial Advisor · Oct 8

HELOC Balances Have Climbed $142 Billion From Their 2022 Low — Why Homeowners Are Tapping Equity Again

HELOC balances reached $459 billion in the second quarter of 2026, according to the Federal Reserve Bank of New York. That puts outstanding home equity lines of credit $142 billion above their low in early 2022. The increase also marks the 17th consecutive quarter of growth.

The Free Financial Advisor · Oct 8

Credit Card Balances Hit $1.26 Trillion — 5 Numbers That Show Where Household Finances Stand Now

Credit card balances reached $1.26 trillion in the second quarter of 2026, according to the Federal Reserve Bank of New York. That figure grabs attention, but it does not tell the whole household-finance story.

The Free Financial Advisor · Oct 8

Your Bank Suddenly Locks Online Access — Can You Still Get Cash at a Branch?

If your bank suddenly locks your online access, you may still be able to walk into a branch and withdraw cash. The catch is that a locked password, a disabled app, and a frozen account are three very different problems, and the distinction can determine whether a teller hands over…

The Free Financial Advisor · Oct 8

Inherited an IRA? The 10-Year Rule Doesn’t Mean You Can Wait 10 Years to Think About Taxes

An inherited IRA can give many beneficiaries up to 10 years to empty the account, but that does not necessarily give them 10 years to ignore the tax consequences. The IRS sets a deadline for getting the money out, while your own income, withdrawals, and tax situation determine what those…

The Free Financial Advisor · Oct 8

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The Free Financial Advisor · Oct 7

How To Choose Your Next Bank

Choosing your next bank starts with a surprisingly unglamorous question: What do you actually need your bank to do?

The Free Financial Advisor · Oct 7

Your Parents Help With the Bills So You Can Invest — Are You Really Financially Independent?

Your investment account can grow quickly when your parents cover some of your bills. That can create a strange financial picture: the brokerage balance looks increasingly independent while the household budget still relies on someone else.

The Free Financial Advisor · Oct 7

Your Zelle Payment Is Stuck “Pending” — Don’t Send It Again Until You Check This

A Zelle payment marked “pending” does not necessarily mean the money disappeared. It may mean the recipient has not enrolled the email address or U.S. mobile number used for the payment.

The Free Financial Advisor · Oct 7

A Bank Closes Your Account — How Do You Get Your Money Back?

A bank can close a checking or savings account without asking for permission, and sometimes the customer finds out only after a debit card stops working. That can create a particularly ugly problem if several thousand dollars were sitting in the account.

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The Free Financial Advisor · Oct 7

Your Bank Freezes a $20,000 Transfer — How Long Can It Hold Your Money?

A $20,000 bank transfer can turn a routine payment into a frustrating waiting game. Your bank may stop the transaction because its fraud systems flagged something unusual, but that does not mean every $20,000 transfer can sit in limbo for as long as the bank wants.

The Free Financial Advisor · Oct 7

What Does the First $100,000 Really Change About Building Wealth?

The first $100,000 changes wealth building in ways that go beyond the number printed on an account statement. Before that milestone, progress often depends heavily on how much money a person can save from each paycheck. Afterward, the money already accumulated starts to carry more of the workload.

The Free Financial Advisor · Oct 7

Moving $50,000 Between Your Own Bank Accounts? Here’s What Can Trigger a Fraud Review

Moving $50,000 from one bank account you own to another does not automatically make you suspicious. It can, however, make a bank’s fraud and compliance systems pay closer attention to the transaction.

The Free Financial Advisor · Oct 7

These 7 Income Moves Could Raise Your Medicare Premiums Two Years From Now

A profitable financial move in 2026 can produce an awkward little sequel in 2028: a higher Medicare bill.

The Free Financial Advisor · Oct 6

IRS Replaces IRS2Go With New App — Taxpayers Can Now Check Balances, Payments and Tax Records From Their Phones

The IRS has officially replaced its long-running IRS2Go mobile application with a new IRS app that gives individual taxpayers considerably more access to their federal tax information from a phone or tablet. According to the Internal Revenue Service, the free app launched September 25, 2026, and expands on IRS2Go by…

The Free Financial Advisor · Oct 6

Are You A Good Customer? 6 Tips To Treat Your Restaurant Wait Staff Well

Being a good restaurant customer involves more than leaving a decent tip. It also means making the job easier for the person juggling your order, three other tables, a kitchen ticket, special requests, and possibly a customer who has decided that a booth is a constitutional right.

The Free Financial Advisor · Oct 6

Here Are 5 items Missing From Your Will That Will Haunt Your Inheritors

A will can tell your family who gets your property, but it does not automatically solve every problem waiting for them after your death. Some assets follow beneficiary forms, some accounts follow ownership rules, and some pieces of your life exist almost entirely behind passwords and screens.

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