Graham Stephan | GOBankingRates

Graham Stephan is a real estate investor, entrepreneur and personal finance creator with more than 17 years of experience. He began his career at 18 as a licensed real estate agent and quickly built a name for himself, closing over $130 million in residential sales in Los Angeles by his mid-20s. Known for his no-fluff approach to money, Stephan shares insights on real estate, investing and financial habits with a massive YouTube audience of more than 4 million subscribers. A self-made millionaire by age 26, he has since expanded his brand to include a podcast (The Iced Coffee Hour), a coffee company (Bankroll Coffee) and a real estate education platform. Stephan’s content focuses on building wealth intentionally, through smart investing, frugal living and a long-term mindset. His goal: to make personal finance simple, transparent and achievable for anyone willing to do the work.

Education

New Roads School

Accolades

$130M+ in residential real estate sales
Self-made millionaire by age 26 through real estate and content creation
YouTube channel ranked among top personal finance channels, with 4M+ subscribers
Featured on CNBC, Business Insider, Forbes
Appears on Netflix’s Selling Sunset and Bravo’s Million Dollar Listing

The wealthy track their spending meticulously. They know exactly what they spend money on — nothing is wasted.

Article

Today’s Money Expert Answer Day 88

Robert Kiyosaki: Top 5 Money Habits of People Who Retire Early

Want to retire early? Learn how these money habits from Rich Dad Poor Dad followers could fast-track your financial freedom.

Article Video

Today’s Money Expert Answer Day 88

Rachel Cruze: The Real Reason Couples Fight About Money

Why do couples really fight about money? Financial expert Rachel Cruze reveals the root cause, and how to fix it before it damages your relationship.

Article Video

Today’s Money Expert Answer Day 88

How Do You Know When You're Financially Ready to Have a Child?

Wondering if you’re financially ready for a baby? Money expert Taylor Price shares key milestones, hidden costs, and smart steps to help you decide.

Article Video

Today’s Money Expert Answer Day 88

Here's Why Gen-Z Is Embracing Frugal Living According to Brian Jung

Gen Z is redefining wealth with minimalism and digital savvy. Find out why frugality is their new flex — and what older generations can learn.

Article Video

Today’s Money Expert Answer Day 88

Why Experts Say a Roth 401(k) Could Supercharge Your Retirement

A Roth 401(k) could cut your tax bill in retirement — so why aren't more people using it? A CFP breaks down how it works and who should consider one.

Article Video

Today’s Money Expert Answer Day 88

4 Moves to Make if You Can't Pay All Your Bills this Month

Can't pay all your bills this month? You're not doomed. Here's how to triage the current crisis and set yourself up for a better financial future.

Article Video

Today’s Money Expert Answer Day 88

I Paid Off $40K in 7 Months Doing These 5 Things

Michelle Schroeder-Gardner knows about saving money. Her biggest insights don't come from major lifestyle changes. Instead, they come from these small tweaks.

Article Video

Today’s Money Expert Answer Day 88

How Happy Couples Handle Money -- Even When They Disagree

A spender and a saver can still be a great match -- if they follow this expert advice for managing money, budgeting and talking about finances.

Article Video

Today’s Money Expert Answer Day 88

3 Best Ways To Prioritize Your Savings Goals

Not sure if you should save for retirement or a vacation first? A financial expert shares how to prioritize competing savings goals with confidence.

Article Video

Today’s Money Expert Answer Day 88

One Simple Fix for All Your Budget Problems from a Frugal Mom

Struggling to stay on budget? A financial expert reveals the real reason most budgets fail—and how to finally make yours stick.

Article Video

Today’s Money Expert Answer Day 88

Here's Why You Always Want to Know Your Net Worth, According to a Financial Expert

A top financial expert explains how to calculate your net worth, and why this number can reveal more about your money than you think.

Article Video

Today’s Money Expert Answer Day 88

Here's How to Avoid a Huge Tax Bill After a Successful Side Gig

Millions of Americans are freelancing. The extra income is great, but many gig workers get a rude awakening come tax season. Here's how to avoid that.

Article Video

Today’s Money Expert Answer Day 88

6 Hidden Costs of Homeownership That Can Wreck Your Budget

Think your mortgage is the biggest expense? A top finance expert reveals the hidden homeownership costs that could wreck your budget.

Article Video

Today’s Money Expert Answer Day 88

Avoid These 4 Common Mistakes When You Get Rich Overnight

NFL vet Brandon Copeland shares how to handle a financial windfall, avoid money mistakes, and build lasting wealth -- before the cash runs out.

Article Video

Today’s Money Expert Answer Day 88

The One Habit Keeping You in Credit Card Debt, According to Liz Claman

Article Video

Today’s Money Expert Answer Day 88

The One Investment Barbara Corcoran Says She'll 'Never Sell' -- and Why

Shark Tank star Barbara Corcoran shares her no-nonsense advice on real estate investing, including why she’ll never sell and how to avoid rookie mistakes.

Article Video

Today’s Money Expert Answer Day 88

Why You Should Start Investing Now (Even If You Only Have $10)

New to investing? Finance expert Austin Hankwitz shares simple, smart steps to start building wealth, even if you only have $10 to spare.

Article Video

Today’s Money Expert Answer Day 88

Key Signs Your Credit Card Is Quietly Wrecking Your Finances

Using a credit card daily can earn rewards or lead to debt. CFP Chloe Moore shares smart habits to help you build credit and avoid costly mistakes.

Article Video

Today’s Money Expert Answer Day 88

2 Reasons It Might Not Make Sense to Pay Off Your Mortgage Right Away

Paying off your mortgage sounds smart—but could it cost you in the long run? Here’s what financial experts say about investing vs. early repayment.

Article Video

Today’s Money Expert Answer Day 88

3 Reasons Bitcoin Is 'Digital Gold,' Says Investing Expert

Curious about Bitcoin or Ethereum? Market expert Jan van Eck explains how everyday investors can use crypto to diversify -- without falling for the hype.

Article Video

Today’s Money Expert Answer Day 88

Multi-Millionaire Says Timing the Market is Impossible - Here's What You Should Do Instead

Even investing pros failing at timing the market. This expert explains why dollar-cost averaging is a better bet -- and can grow serious wealth over time.

Article Video

Today’s Money Expert Answer Day 88

'5 Ways 'Loud Budgeting' Can Make You Richer, According to Vivian Tu

Finance expert Vivian Tu explains how “loud budgeting” can help you save more, stick to goals and ditch money shame for good.

Article Video

Today’s Money Expert Answer Day 88

3 Questions You Must Ask Before Tapping Into Your Home's Equity

For many homeowners, the equity they've built can be a source for funding their lives. But before you do it, ask yourself these 3 questions.

Article Video

Today’s Money Expert Answer Day 88

Mark Cuban Reveals His Formula for Side Hustle Success

When it comes to side hustles, everyone has an opinion. But when Mark Cuban speaks about what makes entrepreneurs succeed, people listen. Here's what he says.

Article Video

Today’s Money Expert Answer Day 88

Here's Why You Need To Adopt New Money Moves at Every Stage of Life

The best money habits for your 20s, 30s and 40s, from saving and investing to debt management, to build lasting financial security.

Article Video

Today’s Money Expert Answer Day 88

A Financial Expert Explains How to Balance Saving and Investing in 2025

A CFP breaks down the key differences between saving and investing, and how confusing the two could be costing you long-term growth.

Article Video

Today’s Money Expert Answer Day 88

Here's How to Set Up an Emergency Fund Without Stress, According to an Expert

Learn how to build an emergency fund that can protect you in a crisis without derailing other savings and investing goals, according to a CFP.

Article Video

Today’s Money Expert Answer Day 88

7 Financial Pitfalls That Catch Self-Employed People Off Guard

Being your own boss is empowering. But it also means operating without a safety net. Here are the money rules for self-employed people, and how to use them to your advantage.

Article Video

Today’s Money Expert Answer Day 88

3 Reasons Gen Z Isn't As Bad With Money As You Might Think

Is Gen Z "bad with money," or are they redefining wealth? Here's why their approach to finances looks so different from older generations.

Article Video

Today’s Money Expert Answer Day 88

Here's How To Be Successful Financially Without Building a Budget

Article Video

Today’s Money Expert Answer Day 88

3 Ways To Protect Your Money From Inflation, According to an Expert

Worried about rising prices? A market expert shares how to adjust your spending, invest wisely, and protect your portfolio when inflation is high.

Article Video

Today’s Money Expert Answer Day 88

4 Reasons This 'Safe Investment' Isn't Always a Good Bet, According to an Expert

ETFs offer low costs and easy access, but they’re not risk-free. Learn what CEO Noah Hamman says most investors miss when buying into ETFs.

Article Video

Today’s Money Expert Answer Day 88

3 Key Signs That You're Losing Money to 'Lifestyle Inflation' -- and How To Get Out of It

Got a raise but still feel broke? Budgeting expert Allison Baggerly explains lifestyle inflation and how to stop spending more as you earn more.

Article Video

Today’s Money Expert Answer Day 88

I'm an Investing Pro: Here's How To Access Private Equity (Without Being a Billionaire)

Private equity is now more accessible to everyday investors, but it comes with tradeoffs. Here’s what to know before you consider jumping in.

Article Video

Today’s Money Expert Answer Day 88

4 Ways To Avoid Bank Fees and Keep More of Your Money

Tired of overdraft and ATM fees? A money expert shares how to dodge hidden bank charges and keep more of your money.

Article Video

Today’s Money Expert Answer Day 88

4 Top Ways To Spot and Avoid a Scam, According to an Expert

Scammers can spoof your bank and steal your money fast. Learn how to spot red flags and protect your accounts with expert-backed fraud prevention tips.

Article Video

Today’s Money Expert Answer Day 88

The No. 1 Mistake Retail Investors Keep Making, According to This Wall Street Insider

With markets swinging, it's easy for retail investors to get caught up in the wrong moves. Here's exactly why smart people keep making the same mistakes.

Article Video

Today’s Money Expert Answer Day 88

Warren Buffett Says You Should Invest When the Market Is Down -- Here's Why

Warren Buffett shares why smart investors buy during market downturns, and how to choose the right stocks for long-term gains.

Article Video

Today’s Money Expert Answer Day 88

Don't Refinance Until You Read This Mortgage Pro's Advice

Article

Today’s Money Expert Answer Day 88

The Big Retirement Myth That Could Ruin Your Plans

Many Americans believe this retirement myth—find out how it could derail your financial future and what to do now to protect your long-term plans.

Article Video

Today’s Money Expert Answer Day 88

How Long It Really Takes To Get Rich, According to Robert Kiyosaki

Getting rich isn’t just luck or a lifetime grind—Robert Kiyosaki says with mindset, learning, and purpose, wealth is within reach sooner than you think.

Article Video

Today’s Money Expert Answer Day 88

Here's How Much of Your Paycheck You Should Save Each Month, According to an Expert

Forget cookie-cutter rules — here’s how to save the right amount from your paycheck based on your goals, not someone else’s.

Article

Today’s Money Expert Answer Day 88

Tony Robbins: The No. 1 Thing That Will Transform Your Money Life

Tony Robbins shares how values-based motivation, mindset shifts, and consistent action can transform your financial future—starting with small steps today.

Article Video

Today’s Money Expert Answer Day 88

Here's Why Putting Your Savings in the Market Could Backfire -- and What To Do Instead

CFP Jeff Rose shares how to split savings between high-yield accounts and investments to protect your money and grow wealth.

Article Video

Today’s Money Expert Answer Day 88

The Overlooked Difference Between Your Credit Score and Credit Report

Most people mix up credit scores and credit reports, but knowing the difference could save you money and boost your chances of loan approval.

Article Video

Today’s Money Expert Answer Day 88

4 Insurance Mistakes Most People Make -- and How To Avoid Them

Financial planner Marguerita Cheng shares the biggest life insurance mistakes people make, and how to get the right policy for your needs and budget.

Article Video

Today’s Money Expert Answer Day 88

Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead

Charles Payne argues individual stocks may outperform index funds — if investors do the research. Learn how to spot strong picks and manage investment risk.

Article Video

Today’s Money Expert Answer Day 88

Here's How To Prepare Yourself for a Recession, According to Suze Orman

Suze Orman shares smart, no-nonsense strategies to turn financial fear into power and prepare for any downturn.

Article

Today’s Money Expert Answer Day 88

5 Reasons Dave Ramsey's Hard Stance Against Credit Cards Isn't for You

Dave Ramsey says no to credit cards — but does his advice apply to you? Discover 5 times credit cards might actually be a smart move.

Article

Today’s Money Expert Answer Day 88

Kevin O'Leary: Here's What You Need To Know About Trump's New Tax Bill

Kevin O’Leary said Trump’s new tax bill stabilizes rates and supports small businesses, making it easier to plan and grow in today’s economy.

Article

Today’s Money Expert Answer Day 88

Tony Robbins vs. Dave Ramsey: Whose Financial Advice Is Best in 2025?

Tony Robbins or Dave Ramsey—whose financial advice works best in 2026? Compare their money strategies to see which fits your goals and lifestyle.

Article Video

Today’s Money Expert Answer Day 88

The Best Way To Keep Your Finances in Order When You Have an Irregular Income

Freelancers and self-employed: Learn Jessica Moorhouse’s expert tips to budget, build a cushion, and manage unpredictable income with confidence.

Article

Today’s Money Expert Answer Day 88

Barbara Corcoran: 'Fun Is Good for Business' -- 7 Ways You Can Balance Work and Play (and Still Make Money)

Barbara Corcoran shares 7 expert tips to help you balance fun and work—without sacrificing income. Learn how joy can actually grow your business.

Article Video

Today’s Money Expert Answer Day 88

Here's Why It Takes More Than Hard Work To Get Rich, According to Kevin O'Leary

Kevin O'Leary has made his fortune by understanding that working 18 hours a day for someone else will never make you rich. Working 18 hours a day for YOU? A different story.

Article

Today’s Money Expert Answer Day 88

Humphrey Yang: Avoid These 3 Mistakes To Become Part of the Top 10%

Want to join the top 10%? Humphrey Yang shares 3 key mistakes to avoid if you want to grow wealth, build success and level up your financial game.

Article

Today’s Money Expert Answer Day 88

Looking for a Home Deal? Barbara Corcoran Says You're Doing It Wrong

She has some advice for homebuyers searching for their own hidden gem.

Article

Today’s Money Expert Answer Day 88

Rachel Cruze: 8 Ways To Lower Your Essential Costs

Money expert Rachel Cruze focuses on how you can successfully lower the costs of your "four walls," which are housing, transportation, utilities and food.

Article

Today’s Money Expert Answer Day 88

5 Things Barbara Corcoran Wants You To Stop Doing With Your Money

Barbara Corcoran has shared many money mistakes to avoid like flying first class and ignoring investing -- learn ways to build wealth and freedom with her tips.

Article

Today’s Money Expert Answer Day 88

Suze Orman: You Can't Afford To Make These 4 Money Mistakes

Orman's guidance is aimed at steering individuals away from financial missteps and toward a path of financial freedom.

Article

Today’s Money Expert Answer Day 88

I'm an Airbnb Millionaire: Follow These 3 Steps To Earn $250K in Rental Income

Discover how one Airbnb investor built a $26 million portfolio -- and how you can earn $250,000 in five years with just a few high-performing rentals.

Article

Today’s Money Expert Answer Day 88

Dave Ramsey's vs. Warren Buffett's Advice on 4 Key Financial Topics

What Buffett and Ramsey say about four key financial topics, including investing, debt, mortgages and retirement.

Article

Today’s Money Expert Answer Day 88

Rachel Cruze Reacts to 8 Creative Side Hustles for Extra Cash

In a YouTube video, money expert Rachel Cruze reacted to eight creative side hustle ideas that might be ideal for you.

Article Video

Today’s Money Expert Answer Day 88

Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People

Confused about pre-tax vs. Roth? You're not alone. Money expert Preston Seo explains how each impacts your taxes today and in retirement.

Article Video

Today’s Money Expert Answer Day 88

I Was a Millionaire by 26: 3 Money Rules Every Young Person Should Know

Learn Ryan Scribner's top personal finance tips for your 20s, including how to invest wisely, avoid risky moves and build wealth from the ground up.

Article Video

Today’s Money Expert Answer Day 88

5 Smart Ways To Use Your Tax Refund -- and 3 Costly Mistakes To Avoid

Learn how to use your tax refund wisely, avoid costly mistakes, and turn a one-time check into long-term financial security.

Article

Today’s Money Expert Answer Day 88

5 Hidden Money Leaks Draining Your Wealth, According to Jaspreet Singh

Struggling to save money? Discover hidden ways your cash is leaking -- from overdraft fees to inflation -- and how to fix your finances and grow wealth.

Article

Today’s Money Expert Answer Day 88

10 Times Dave Ramsey and Suze Orman Gave Totally Different Money Advice

Two of the most famous finance gurus in the world often take completely different positions on how to tackle money matters. Whose advice should you follow?

Article Video

Today’s Money Expert Answer Day 88

5 Ways To Get Promoted Early in Your Career, From a Former LinkedIn Insider

Skip the “dues” and get ahead faster. Career expert Cherie Brooke Luo shares 5 smart strategies to stand out, gain visibility and earn early promotions.

Article

Today’s Money Expert Answer Day 88

Rachel Cruze Exposes 6 Money Hacks That Actually Hurt You

Money expert Rachel Cruze reveals common money hacks that backfire, advising the avoidance of debt traps like BNPL, store credit cards, car leases and more.

Article

Today’s Money Expert Answer Day 88

Could Bitcoin Investing Ever Win Over Dave Ramsey?

Dave Ramsey isn’t sold on Bitcoin—yet. Here’s what would need to change for him to finally consider crypto a legitimate long-term investment.

Article Video

Today’s Money Expert Answer Day 88

3 Smart Moves for Investors Worried About Buying at the Top

Chris Sain shares smart, steady strategies to help investors navigate a hot market without falling into risky traps or chasing hype.

Article

Today’s Money Expert Answer Day 88

3 Simple Steps To Slash Your Spending Today, According to Barbara Huson

Want to spend less without relying on willpower? Financial expert Barbara Huson shared three brain-based strategies to help you resist impulse purchases.

Article Video

Today’s Money Expert Answer Day 88

3 Investing Myths That Could Be Costing You Thousands in 2025

Think investing is gambling or too risky? Finance expert Eric Pan busts common myths and shares how anyone can invest smartly — no Wall Street suit required.

Article

Today’s Money Expert Answer Day 88

I'm a Financial Advisor: Here's How To Turn $100K Into Monthly Income for Life

Financial expert Andrew Lokenauth shares how to invest $100K wisely to create balanced, diversified income that can last for decades.

Article

Today’s Money Expert Answer Day 88

7 Biggest Wealth Killers in the Stock Market, According To Jaspreet Singh

In a YouTube video, personal finance expert and licensed attorney Jaspreet Singh discussed seven investing mistakes that can kill your wealth.

Article

Today’s Money Expert Answer Day 88

Ramit Sethi Reveals the Retirement Math Most Americans Get Wrong

Money expert Ramit Sethi broke down how much you really need to retire -- and why most Americans are overestimating their savings goals.

Article

Today’s Money Expert Answer Day 88

The Most Dangerous Money Habit You Can Have, According to Morgan Housel

FOMO can lead to overspending and debt. Morgan Housel explained why chasing others’ lifestyles is the most dangerous money habit.

Article

Today’s Money Expert Answer Day 88

I'm a 'Shark Tank' Entrepreneur: 5 Incredible Lessons I Learned From Lori Greiner

Bug Bite Thing's CEO shared five powerful lessons from Lori Greiner that helped her build a multimillion-dollar business after "Shark Tank."

Article

Today’s Money Expert Answer Day 88

The Roth Conversion Mistake That Could Cost You Tens of Thousands -- and How To Get It Right

A CFP explains how to convert a $1.6M 401(k) to a Roth IRA without triggering high taxes, plus tips on timing, tax brackets, and working with a pro.

Article

Today’s Money Expert Answer Day 88

Retirement Spending: 9 Things Even Spendthrifts Don't Waste Money On

Article

Today’s Money Expert Answer Day 88

Is the 0.01% Spending Rule Smart or Risky? A Financial Planner Weighs In

A trending spending rule says you can buy anything guilt-free if it costs 0.01% or less of your net worth. But does it help or hurt your financial goals?

Article

Today’s Money Expert Answer Day 88

What the FIRE Movement Got Right -- and Wrong -- About Retirement

The FIRE movement inspires early retirement through saving and discipline, but experts warn it can overlook healthcare costs and quality-of-life balance.

Article

Today’s Money Expert Answer Day 88

5 Money Rules Dasha Kennedy Broke and Still Got Richer

Money expert Dasha Kennedy defied personal finance norms -- and still got richer. Discover how breaking rules helped her survive, thrive and grow wealth.

Article

Today’s Money Expert Answer Day 88

Rachel Cruze Shares 10 ChatGPT-Approved Tips To Stop Overspending

Overspending affects nearly one-third of Americans. Explore money habits like budgeting, tracking expenses and delaying gratification to boost financial health.

Article

Today’s Money Expert Answer Day 88

I'm a Financial Advisor: You'll Never Regret Doing These 4 Things With Your IRA

A financial advisor shared smart IRA strategies to grow tax-free wealth, reduce risk and maximize retirement savings for U.S. investors planning retirement.

Article

Today’s Money Expert Answer Day 88

5 Ways Financial Experts Would Use a $1 Million Windfall Right Now

Financial experts shared smart, tax-efficient ways to invest a $1 million windfall — from 529 plans to diversified portfolios and debt payoff strategies.

Article

Today’s Money Expert Answer Day 88

Pay Down Debt or Save for Retirement? What Financial Experts Actually Recommend

A financial planner reveals the exact percentage to save while tackling debt — plus when to prioritize one over the other.

Article Video

Today’s Money Expert Answer Day 88

5 Wealth-Building Habits of the Rich That You Might Want To Adopt

Learn the five financial habits Graham Stephan says make the biggest difference in building wealth and achieving long-term success.

Article

Today’s Money Expert Answer Day 88

I'm a Wealth Coach: 4 Ways To Build a Resilient Retirement Portfolio in 2025

A wealth coach shared expert strategies to build a retirement portfolio that can weather inflation, market swings and rising costs in 2025.

Article

Today’s Money Expert Answer Day 88

5 Best Ways To Save Money as a Single Person, According To Kate Kaden

Here are Kaden's top five money-saving strategies that work especially well for single people looking to boost their bank accounts.

Article

Today’s Money Expert Answer Day 88

4 Ways Middle-Class Earners Are Protecting Their Money in Today's Uncertain Economy

Financial expert Jayant Mistry shares practical tips to help middle-class earners build savings, budget wisely, and stay secure in an uncertain economy.

Article

Today’s Money Expert Answer Day 88

I'm a Mechanic: 5 DIY Disasters That Cost Clients Thousands

Mechanic Chris Pyle reveals 5 common DIY mistakes including wrong brake pads, botched spark plugs and oil changes that turn $100 jobs into $2,000-$5,000 disasters.

Article

Today’s Money Expert Answer Day 88

Warren Buffett's 4-Step Formula for Achieving Financial Security

Discover Warren Buffett’s timeless advice for building financial security through smart decisions, frugal habits and long-term planning.

Article

Today’s Money Expert Answer Day 88

4 Money Habits To Adopt Now If You Want To Retire in 2026

Planning to retire in 2026? Evaluate your finances and adopt these expert-backed habits so you can retire stress-free and avoid costly surprises later.

Article

Today’s Money Expert Answer Day 88

3 Ways AI Is Quietly Transforming Retirement Planning -- and What It Means for Your Money

AI is changing how we plan for retirement — from portfolio optimization to risk management — while still requiring human insight and oversight.

Article

Today’s Money Expert Answer Day 88

These 4 Top Costco Buys Save Middle-Class Retirees Hundreds

Middle-class retirees can save big at Costco on hearing aids, prescriptions auto care and coffee -- These smart buys stretch a fixed income further.

Article

Today’s Money Expert Answer Day 88

Social Security Tax Cap Is Rising Again -- What It Means for High Earners in 2026

Article

Today’s Money Expert Answer Day 88

5 States Where Retirees Are Paying the Highest Hidden Taxes and Fees

Here are the top 5 states where retirees see the highest hidden taxes and fees, from Hawaii to Washington state, with some paying well over $30k/year.

Article

Today’s Money Expert Answer Day 88

Why Warren Buffett Now Holds More Cash Than the Fed -- What That Signals About the Market

Warren Buffett now holds more cash than the Federal Reserve—learn what this signals about market trends and how it could impact your investment strategy.

Article

Today’s Money Expert Answer Day 88

Why Grant Cardone Says Taxes Are the No. 1 Threat to Your Retirement

Grant Cardone said taxes -- not spending -- are the biggest threat to your retirement. Here’s why he believes your savings may not be safe.

Day 1

Robert Kiyosaki: Top 5 Money Habits of People Who Retire Early

Want to retire early? Learn how these money habits from Rich Dad Poor Dad followers could fast-track your financial freedom.

Read Full Answer

Day 2

Rachel Cruze: The Real Reason Couples Fight About Money

Why do couples really fight about money? Financial expert Rachel Cruze reveals the root cause, and how to fix it before it damages your relationship.

Read Full Answer

Day 3

How Do You Know When You're Financially Ready to Have a Child?

Wondering if you’re financially ready for a baby? Money expert Taylor Price shares key milestones, hidden costs, and smart steps to help you decide.

Read Full Answer

Day 4

Here's Why Gen-Z Is Embracing Frugal Living According to Brian Jung

Gen Z is redefining wealth with minimalism and digital savvy. Find out why frugality is their new flex — and what older generations can learn.

Read Full Answer

Day 5

Why Experts Say a Roth 401(k) Could Supercharge Your Retirement

A Roth 401(k) could cut your tax bill in retirement — so why aren't more people using it? A CFP breaks down how it works and who should consider one.

Read Full Answer

Day 6

4 Moves to Make if You Can't Pay All Your Bills this Month

Can't pay all your bills this month? You're not doomed. Here's how to triage the current crisis and set yourself up for a better financial future.

Read Full Answer

Day 7

I Paid Off $40K in 7 Months Doing These 5 Things

Michelle Schroeder-Gardner knows about saving money. Her biggest insights don't come from major lifestyle changes. Instead, they come from these small tweaks.

Read Full Answer

Day 8

How Happy Couples Handle Money -- Even When They Disagree

A spender and a saver can still be a great match -- if they follow this expert advice for managing money, budgeting and talking about finances.

Read Full Answer

Day 9

3 Best Ways To Prioritize Your Savings Goals

Not sure if you should save for retirement or a vacation first? A financial expert shares how to prioritize competing savings goals with confidence.

Read Full Answer

Day 10

One Simple Fix for All Your Budget Problems from a Frugal Mom

Struggling to stay on budget? A financial expert reveals the real reason most budgets fail—and how to finally make yours stick.

Read Full Answer

Day 11

Here's Why You Always Want to Know Your Net Worth, According to a Financial Expert

A top financial expert explains how to calculate your net worth, and why this number can reveal more about your money than you think.

Read Full Answer

Day 12

Here's How to Avoid a Huge Tax Bill After a Successful Side Gig

Millions of Americans are freelancing. The extra income is great, but many gig workers get a rude awakening come tax season. Here's how to avoid that.

Read Full Answer

Day 13

6 Hidden Costs of Homeownership That Can Wreck Your Budget

Think your mortgage is the biggest expense? A top finance expert reveals the hidden homeownership costs that could wreck your budget.

Read Full Answer

Day 14

Avoid These 4 Common Mistakes When You Get Rich Overnight

NFL vet Brandon Copeland shares how to handle a financial windfall, avoid money mistakes, and build lasting wealth -- before the cash runs out.

Read Full Answer

Day 15

The One Habit Keeping You in Credit Card Debt, According to Liz Claman

Read Full Answer

Day 16

The One Investment Barbara Corcoran Says She'll 'Never Sell' -- and Why

Shark Tank star Barbara Corcoran shares her no-nonsense advice on real estate investing, including why she’ll never sell and how to avoid rookie mistakes.

Read Full Answer

Day 17

Why You Should Start Investing Now (Even If You Only Have $10)

New to investing? Finance expert Austin Hankwitz shares simple, smart steps to start building wealth, even if you only have $10 to spare.

Read Full Answer

Day 18

Key Signs Your Credit Card Is Quietly Wrecking Your Finances

Using a credit card daily can earn rewards or lead to debt. CFP Chloe Moore shares smart habits to help you build credit and avoid costly mistakes.

Read Full Answer

Day 19

2 Reasons It Might Not Make Sense to Pay Off Your Mortgage Right Away

Paying off your mortgage sounds smart—but could it cost you in the long run? Here’s what financial experts say about investing vs. early repayment.

Read Full Answer

Day 20

3 Reasons Bitcoin Is 'Digital Gold,' Says Investing Expert

Curious about Bitcoin or Ethereum? Market expert Jan van Eck explains how everyday investors can use crypto to diversify -- without falling for the hype.

Read Full Answer

Day 21

Multi-Millionaire Says Timing the Market is Impossible - Here's What You Should Do Instead

Even investing pros failing at timing the market. This expert explains why dollar-cost averaging is a better bet -- and can grow serious wealth over time.

Read Full Answer

Day 22

'5 Ways 'Loud Budgeting' Can Make You Richer, According to Vivian Tu

Finance expert Vivian Tu explains how “loud budgeting” can help you save more, stick to goals and ditch money shame for good.

Read Full Answer

Day 23

3 Questions You Must Ask Before Tapping Into Your Home's Equity

For many homeowners, the equity they've built can be a source for funding their lives. But before you do it, ask yourself these 3 questions.

Read Full Answer

Day 24

Mark Cuban Reveals His Formula for Side Hustle Success

When it comes to side hustles, everyone has an opinion. But when Mark Cuban speaks about what makes entrepreneurs succeed, people listen. Here's what he says.

Read Full Answer

Day 25

Here's Why You Need To Adopt New Money Moves at Every Stage of Life

The best money habits for your 20s, 30s and 40s, from saving and investing to debt management, to build lasting financial security.

Read Full Answer

Day 26

A Financial Expert Explains How to Balance Saving and Investing in 2025

A CFP breaks down the key differences between saving and investing, and how confusing the two could be costing you long-term growth.

Read Full Answer

Day 27

Here's How to Set Up an Emergency Fund Without Stress, According to an Expert

Learn how to build an emergency fund that can protect you in a crisis without derailing other savings and investing goals, according to a CFP.

Read Full Answer

Day 28

7 Financial Pitfalls That Catch Self-Employed People Off Guard

Being your own boss is empowering. But it also means operating without a safety net. Here are the money rules for self-employed people, and how to use them to your advantage.

Read Full Answer

Day 29

3 Reasons Gen Z Isn't As Bad With Money As You Might Think

Is Gen Z "bad with money," or are they redefining wealth? Here's why their approach to finances looks so different from older generations.

Read Full Answer

Day 30

Here's How To Be Successful Financially Without Building a Budget

Read Full Answer

Day 31

3 Ways To Protect Your Money From Inflation, According to an Expert

Worried about rising prices? A market expert shares how to adjust your spending, invest wisely, and protect your portfolio when inflation is high.

Read Full Answer

Day 32

4 Reasons This 'Safe Investment' Isn't Always a Good Bet, According to an Expert

ETFs offer low costs and easy access, but they’re not risk-free. Learn what CEO Noah Hamman says most investors miss when buying into ETFs.

Read Full Answer

Day 33

3 Key Signs That You're Losing Money to 'Lifestyle Inflation' -- and How To Get Out of It

Got a raise but still feel broke? Budgeting expert Allison Baggerly explains lifestyle inflation and how to stop spending more as you earn more.

Read Full Answer

Day 34

I'm an Investing Pro: Here's How To Access Private Equity (Without Being a Billionaire)

Private equity is now more accessible to everyday investors, but it comes with tradeoffs. Here’s what to know before you consider jumping in.

Read Full Answer

Day 35

4 Ways To Avoid Bank Fees and Keep More of Your Money

Tired of overdraft and ATM fees? A money expert shares how to dodge hidden bank charges and keep more of your money.

Read Full Answer

Day 36

4 Top Ways To Spot and Avoid a Scam, According to an Expert

Scammers can spoof your bank and steal your money fast. Learn how to spot red flags and protect your accounts with expert-backed fraud prevention tips.

Read Full Answer

Day 37

The No. 1 Mistake Retail Investors Keep Making, According to This Wall Street Insider

With markets swinging, it's easy for retail investors to get caught up in the wrong moves. Here's exactly why smart people keep making the same mistakes.

Read Full Answer

Day 38

Warren Buffett Says You Should Invest When the Market Is Down -- Here's Why

Warren Buffett shares why smart investors buy during market downturns, and how to choose the right stocks for long-term gains.

Read Full Answer

Day 39

Don't Refinance Until You Read This Mortgage Pro's Advice

Read Full Answer

Day 40

The Big Retirement Myth That Could Ruin Your Plans

Many Americans believe this retirement myth—find out how it could derail your financial future and what to do now to protect your long-term plans.

Read Full Answer

Day 41

How Long It Really Takes To Get Rich, According to Robert Kiyosaki

Getting rich isn’t just luck or a lifetime grind—Robert Kiyosaki says with mindset, learning, and purpose, wealth is within reach sooner than you think.

Read Full Answer

Day 42

Here's How Much of Your Paycheck You Should Save Each Month, According to an Expert

Forget cookie-cutter rules — here’s how to save the right amount from your paycheck based on your goals, not someone else’s.

Read Full Answer

Day 43

Tony Robbins: The No. 1 Thing That Will Transform Your Money Life

Tony Robbins shares how values-based motivation, mindset shifts, and consistent action can transform your financial future—starting with small steps today.

Read Full Answer

Day 44

Here's Why Putting Your Savings in the Market Could Backfire -- and What To Do Instead

CFP Jeff Rose shares how to split savings between high-yield accounts and investments to protect your money and grow wealth.

Read Full Answer

Day 45

The Overlooked Difference Between Your Credit Score and Credit Report

Most people mix up credit scores and credit reports, but knowing the difference could save you money and boost your chances of loan approval.

Read Full Answer

Day 46

4 Insurance Mistakes Most People Make -- and How To Avoid Them

Financial planner Marguerita Cheng shares the biggest life insurance mistakes people make, and how to get the right policy for your needs and budget.

Read Full Answer

Day 47

Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead

Charles Payne argues individual stocks may outperform index funds — if investors do the research. Learn how to spot strong picks and manage investment risk.

Read Full Answer

Day 48

Here's How To Prepare Yourself for a Recession, According to Suze Orman

Suze Orman shares smart, no-nonsense strategies to turn financial fear into power and prepare for any downturn.

Read Full Answer

Day 49

5 Reasons Dave Ramsey's Hard Stance Against Credit Cards Isn't for You

Dave Ramsey says no to credit cards — but does his advice apply to you? Discover 5 times credit cards might actually be a smart move.

Read Full Answer

Day 50

Kevin O'Leary: Here's What You Need To Know About Trump's New Tax Bill

Kevin O’Leary said Trump’s new tax bill stabilizes rates and supports small businesses, making it easier to plan and grow in today’s economy.

Read Full Answer

Day 51

Tony Robbins vs. Dave Ramsey: Whose Financial Advice Is Best in 2025?

Tony Robbins or Dave Ramsey—whose financial advice works best in 2026? Compare their money strategies to see which fits your goals and lifestyle.

Read Full Answer

Day 52

The Best Way To Keep Your Finances in Order When You Have an Irregular Income

Freelancers and self-employed: Learn Jessica Moorhouse’s expert tips to budget, build a cushion, and manage unpredictable income with confidence.

Read Full Answer

Day 53

Barbara Corcoran: 'Fun Is Good for Business' -- 7 Ways You Can Balance Work and Play (and Still Make Money)

Barbara Corcoran shares 7 expert tips to help you balance fun and work—without sacrificing income. Learn how joy can actually grow your business.

Read Full Answer

Day 54

Here's Why It Takes More Than Hard Work To Get Rich, According to Kevin O'Leary

Kevin O'Leary has made his fortune by understanding that working 18 hours a day for someone else will never make you rich. Working 18 hours a day for YOU? A different story.

Read Full Answer

Day 55

Humphrey Yang: Avoid These 3 Mistakes To Become Part of the Top 10%

Want to join the top 10%? Humphrey Yang shares 3 key mistakes to avoid if you want to grow wealth, build success and level up your financial game.

Read Full Answer

Day 56

Looking for a Home Deal? Barbara Corcoran Says You're Doing It Wrong

She has some advice for homebuyers searching for their own hidden gem.

Read Full Answer

Day 57

Rachel Cruze: 8 Ways To Lower Your Essential Costs

Money expert Rachel Cruze focuses on how you can successfully lower the costs of your "four walls," which are housing, transportation, utilities and food.

Read Full Answer

Day 58

5 Things Barbara Corcoran Wants You To Stop Doing With Your Money

Barbara Corcoran has shared many money mistakes to avoid like flying first class and ignoring investing -- learn ways to build wealth and freedom with her tips.

Read Full Answer

Day 59

Suze Orman: You Can't Afford To Make These 4 Money Mistakes

Orman's guidance is aimed at steering individuals away from financial missteps and toward a path of financial freedom.

Read Full Answer

Day 60

I'm an Airbnb Millionaire: Follow These 3 Steps To Earn $250K in Rental Income

Discover how one Airbnb investor built a $26 million portfolio -- and how you can earn $250,000 in five years with just a few high-performing rentals.

Read Full Answer

Day 61

Dave Ramsey's vs. Warren Buffett's Advice on 4 Key Financial Topics

What Buffett and Ramsey say about four key financial topics, including investing, debt, mortgages and retirement.

Read Full Answer

Day 62

Rachel Cruze Reacts to 8 Creative Side Hustles for Extra Cash

In a YouTube video, money expert Rachel Cruze reacted to eight creative side hustle ideas that might be ideal for you.

Read Full Answer

Day 63

Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People

Confused about pre-tax vs. Roth? You're not alone. Money expert Preston Seo explains how each impacts your taxes today and in retirement.

Read Full Answer

Day 64

I Was a Millionaire by 26: 3 Money Rules Every Young Person Should Know

Learn Ryan Scribner's top personal finance tips for your 20s, including how to invest wisely, avoid risky moves and build wealth from the ground up.

Read Full Answer

Day 65

5 Smart Ways To Use Your Tax Refund -- and 3 Costly Mistakes To Avoid

Learn how to use your tax refund wisely, avoid costly mistakes, and turn a one-time check into long-term financial security.

Read Full Answer

Day 66

5 Hidden Money Leaks Draining Your Wealth, According to Jaspreet Singh

Struggling to save money? Discover hidden ways your cash is leaking -- from overdraft fees to inflation -- and how to fix your finances and grow wealth.

Read Full Answer

Day 67

10 Times Dave Ramsey and Suze Orman Gave Totally Different Money Advice

Two of the most famous finance gurus in the world often take completely different positions on how to tackle money matters. Whose advice should you follow?

Read Full Answer

Day 68

5 Ways To Get Promoted Early in Your Career, From a Former LinkedIn Insider

Skip the “dues” and get ahead faster. Career expert Cherie Brooke Luo shares 5 smart strategies to stand out, gain visibility and earn early promotions.

Read Full Answer

Day 69

Rachel Cruze Exposes 6 Money Hacks That Actually Hurt You

Money expert Rachel Cruze reveals common money hacks that backfire, advising the avoidance of debt traps like BNPL, store credit cards, car leases and more.

Read Full Answer

Day 70

Could Bitcoin Investing Ever Win Over Dave Ramsey?

Dave Ramsey isn’t sold on Bitcoin—yet. Here’s what would need to change for him to finally consider crypto a legitimate long-term investment.

Read Full Answer

Day 71

3 Smart Moves for Investors Worried About Buying at the Top

Chris Sain shares smart, steady strategies to help investors navigate a hot market without falling into risky traps or chasing hype.

Read Full Answer

Day 72

3 Simple Steps To Slash Your Spending Today, According to Barbara Huson

Want to spend less without relying on willpower? Financial expert Barbara Huson shared three brain-based strategies to help you resist impulse purchases.

Read Full Answer

Day 73

3 Investing Myths That Could Be Costing You Thousands in 2025

Think investing is gambling or too risky? Finance expert Eric Pan busts common myths and shares how anyone can invest smartly — no Wall Street suit required.

Read Full Answer

Day 74

I'm a Financial Advisor: Here's How To Turn $100K Into Monthly Income for Life

Financial expert Andrew Lokenauth shares how to invest $100K wisely to create balanced, diversified income that can last for decades.

Read Full Answer

Day 75

7 Biggest Wealth Killers in the Stock Market, According To Jaspreet Singh

In a YouTube video, personal finance expert and licensed attorney Jaspreet Singh discussed seven investing mistakes that can kill your wealth.

Read Full Answer

Day 76

Ramit Sethi Reveals the Retirement Math Most Americans Get Wrong

Money expert Ramit Sethi broke down how much you really need to retire -- and why most Americans are overestimating their savings goals.

Read Full Answer

Day 77

The Most Dangerous Money Habit You Can Have, According to Morgan Housel

FOMO can lead to overspending and debt. Morgan Housel explained why chasing others’ lifestyles is the most dangerous money habit.

Read Full Answer

Day 78

I'm a 'Shark Tank' Entrepreneur: 5 Incredible Lessons I Learned From Lori Greiner

Bug Bite Thing's CEO shared five powerful lessons from Lori Greiner that helped her build a multimillion-dollar business after "Shark Tank."

Read Full Answer

Day 79

The Roth Conversion Mistake That Could Cost You Tens of Thousands -- and How To Get It Right

A CFP explains how to convert a $1.6M 401(k) to a Roth IRA without triggering high taxes, plus tips on timing, tax brackets, and working with a pro.

Read Full Answer

Day 80

Retirement Spending: 9 Things Even Spendthrifts Don't Waste Money On

Read Full Answer

Day 81

Is the 0.01% Spending Rule Smart or Risky? A Financial Planner Weighs In

A trending spending rule says you can buy anything guilt-free if it costs 0.01% or less of your net worth. But does it help or hurt your financial goals?

Read Full Answer

Day 82

What the FIRE Movement Got Right -- and Wrong -- About Retirement

The FIRE movement inspires early retirement through saving and discipline, but experts warn it can overlook healthcare costs and quality-of-life balance.

Read Full Answer

Day 83

5 Money Rules Dasha Kennedy Broke and Still Got Richer

Money expert Dasha Kennedy defied personal finance norms -- and still got richer. Discover how breaking rules helped her survive, thrive and grow wealth.

Read Full Answer

Day 84

Rachel Cruze Shares 10 ChatGPT-Approved Tips To Stop Overspending

Overspending affects nearly one-third of Americans. Explore money habits like budgeting, tracking expenses and delaying gratification to boost financial health.

Read Full Answer

Day 85

I'm a Financial Advisor: You'll Never Regret Doing These 4 Things With Your IRA

A financial advisor shared smart IRA strategies to grow tax-free wealth, reduce risk and maximize retirement savings for U.S. investors planning retirement.

Read Full Answer

Day 86

5 Ways Financial Experts Would Use a $1 Million Windfall Right Now

Financial experts shared smart, tax-efficient ways to invest a $1 million windfall — from 529 plans to diversified portfolios and debt payoff strategies.

Read Full Answer

Day 87

Pay Down Debt or Save for Retirement? What Financial Experts Actually Recommend

A financial planner reveals the exact percentage to save while tackling debt — plus when to prioritize one over the other.

Read Full Answer

Day 88

5 Wealth-Building Habits of the Rich That You Might Want To Adopt

Learn the five financial habits Graham Stephan says make the biggest difference in building wealth and achieving long-term success.

Read Full Answer

Day 89

I'm a Wealth Coach: 4 Ways To Build a Resilient Retirement Portfolio in 2025

A wealth coach shared expert strategies to build a retirement portfolio that can weather inflation, market swings and rising costs in 2025.

Read Full Answer

Day 90

5 Best Ways To Save Money as a Single Person, According To Kate Kaden

Here are Kaden's top five money-saving strategies that work especially well for single people looking to boost their bank accounts.

Read Full Answer

Day 91

4 Ways Middle-Class Earners Are Protecting Their Money in Today's Uncertain Economy

Financial expert Jayant Mistry shares practical tips to help middle-class earners build savings, budget wisely, and stay secure in an uncertain economy.

Read Full Answer

Day 92

I'm a Mechanic: 5 DIY Disasters That Cost Clients Thousands

Mechanic Chris Pyle reveals 5 common DIY mistakes including wrong brake pads, botched spark plugs and oil changes that turn $100 jobs into $2,000-$5,000 disasters.

Read Full Answer

Day 93

Warren Buffett's 4-Step Formula for Achieving Financial Security

Discover Warren Buffett’s timeless advice for building financial security through smart decisions, frugal habits and long-term planning.

Read Full Answer

Day 94

4 Money Habits To Adopt Now If You Want To Retire in 2026

Planning to retire in 2026? Evaluate your finances and adopt these expert-backed habits so you can retire stress-free and avoid costly surprises later.

Read Full Answer

Day 95

3 Ways AI Is Quietly Transforming Retirement Planning -- and What It Means for Your Money

AI is changing how we plan for retirement — from portfolio optimization to risk management — while still requiring human insight and oversight.

Read Full Answer

Day 96

These 4 Top Costco Buys Save Middle-Class Retirees Hundreds

Middle-class retirees can save big at Costco on hearing aids, prescriptions auto care and coffee -- These smart buys stretch a fixed income further.

Read Full Answer

Day 97

Social Security Tax Cap Is Rising Again -- What It Means for High Earners in 2026

Read Full Answer

Day 98

5 States Where Retirees Are Paying the Highest Hidden Taxes and Fees

Here are the top 5 states where retirees see the highest hidden taxes and fees, from Hawaii to Washington state, with some paying well over $30k/year.

Read Full Answer

Day 99

Why Warren Buffett Now Holds More Cash Than the Fed -- What That Signals About the Market

Warren Buffett now holds more cash than the Federal Reserve—learn what this signals about market trends and how it could impact your investment strategy.

Read Full Answer