Michelle Kruger

Michelle is a practicing financial planner, teacher and author. Michelle partners with wealth advisors to formulate and recommend strategies as well as produce financial plans specific to client needs. Michelle also teaches graduate financial planning courses at the University of Georgia and has authored various financial planning books, including The Fundamentals of Writing a Financial Plan, The Psychology of Financial Planning: Practitioner Resource Guide, and The First 50 Years of CFP® Certification: The Standard for Financial Planning. Her research has been published in Financial Planning Review, Journal of Financial Planning, and Journal of Financial Therapy. She has also been quoted in articles by Investopedia, CNN Underscored, WalletHub and CBS News.

Education

Ph.D in Financial Planning, Housing, and Consumer Economics, University of Georgia

Bachelor of Business Administration in Finance, University of Georgia

Accolades

Adjunct Professor at the University of Georgia
Co-author of The Psychology of Financial Planning: Practitioner Resource Guide and The Fundamentals of Writing a Financial Plan
Contributor to the Journal of Financial Planning and Financial Planning Review
Quoted in Investopedia, CNN Underscored, CBS News and WalletHub

Expertise in

Financial planning
Financial literacy
Consumer credit and debt
Psychology of money
Behavioral finance

Money is a tool. People expect to know how to use money well without practicing. Intentionally practice your money skills daily, and you’ll be amazed to see how your skill and confidence with money grow.

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Today’s Money Expert Answer Day 17

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 17

Dave Ramsey Says This is the Best Way to Pay Off Debt

Struggling to pay off debt? Dave Ramsey says the popular "smart" strategy could be holding you back — and reveals what actually works.

Article Video

Today’s Money Expert Answer Day 17

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 17

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 17

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 17

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 17

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 17

Frugal Living Expert: Here's How I Save Hundreds per Month, One Expense at a Time

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 17

Here's How to Build an Emergency Fund Without Blowing Your Budget

Personal finance expert Bola Sokunbi shares how to build an emergency fund without falling behind on your other financial goals.

Article Video

Today’s Money Expert Answer Day 17

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 17

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 17

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 17

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 17

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 17

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 17

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 17

The One Loan That's Almost Guaranteed To Deliver Financial Disaster

Payday loans offer fast cash, but at a steep cost. A financial expert breaks down the hidden risks and safer alternatives to avoid the debt trap.

Article Video

Today’s Money Expert Answer Day 17

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

Article Video

Today’s Money Expert Answer Day 17

How To Start Investing With Less Than $1,000

A financial expert explains how to limit risk and grow your money with simple, automated steps -- and as little as $1.

Article Video

Today’s Money Expert Answer Day 17

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 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.

Article Video

Today’s Money Expert Answer Day 17

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 17

The Most Common Retirement Mistake, According to an Expert

A financial coach reveals the most common retirement planning mistake, and how to avoid it before it threatens your financial future.

Article Video

Today’s Money Expert Answer Day 17

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 17

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 17

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 17

'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 17

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 17

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 17

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 17

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 17

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 17

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 17

What the 1% Know About Taxes That You Probably Don't, According to an Expert

Learn how strategies like tax-loss harvesting and asset location can help you lower your tax bill and boost your investment returns over time.

Article Video

Today’s Money Expert Answer Day 17

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 17

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

Article Video

Today’s Money Expert Answer Day 17

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 17

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 17

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 17

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 17

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 17

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 17

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 17

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 17

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 Video

Today’s Money Expert Answer Day 17

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

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Today’s Money Expert Answer Day 17

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 17

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 17

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 17

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.

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Today’s Money Expert Answer Day 17

Is Your Retirement Plan Broken? Suze Orman Has Advice on How To Fix It

Worried your retirement plan won’t hold up? Suze Orman shares key signs it’s flawed — and how to fix it before it’s too late.

Article Video

Today’s Money Expert Answer Day 17

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 17

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 17

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 17

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 17

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.

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Today’s Money Expert Answer Day 17

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.

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Today’s Money Expert Answer Day 17

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.

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Today’s Money Expert Answer Day 17

6 Warren Buffett Tips To Follow When You Don't Have Time To Research Stocks

Here are Buffett's six best pieces of investing advice and some expert takes to help you start your investing journey.

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Today’s Money Expert Answer Day 17

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 17

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 17

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 17

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 Video

Today’s Money Expert Answer Day 17

Mark Cuban's Top 5 Tips That Will Save Retirees From Financial Disaster

For retirees, these lessons are super valuable and can save you from financial disasters. Here are Cuban's top financial tips.

Article Video

Today’s Money Expert Answer Day 17

George Kamel: The Budgeting Habit That Took Me From Debt to Millionaire in 10 Years

George Kamel turned budgeting from a burden into a tool for freedom — going from broke to millionaire by shifting his money mindset.

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Today’s Money Expert Answer Day 17

9 Frugal Habits Dave Ramsey Swears By

Discover 9 frugal habits Dave Ramsey recommends to save money, crush debt and build wealth -- practical tips anyone can start using today.

Article Video

Today’s Money Expert Answer Day 17

5 Red Flags To Look Out For Before Investing in a Company

Avoid costly mistakes—learn how to spot red flags in stocks with expert tips from Elizabeth MacDonald on financial health, risk, and ratios.

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Today’s Money Expert Answer Day 17

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 Video

Today’s Money Expert Answer Day 17

Dr. John Delony: Financial Control Is Abuse -- Here's What To Do About It

Financial abuse doesn't always look like someone stealing your credit cards. It's more complicated. Dr. John Delony on the signs — and what to do about it.

Article

Today’s Money Expert Answer Day 17

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.

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Today’s Money Expert Answer Day 17

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 Video

Today’s Money Expert Answer Day 17

Here's How To Avoid the Biggest Mistake Retirement Savers Make During a Market Downturn

Learn how to protect your retirement savings during market volatility with expert tips from TIAA's Kourtney Gibson.

Article Video

Today’s Money Expert Answer Day 17

7 Signs Someone Is Secretly Wealthy, According to Humphrey Yang

Finance influence Humphrey Yang outlined seven signs that someone is secretly wealthy -- these can serve as lessons to anyone hoping to grow their wealth.

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Today’s Money Expert Answer Day 17

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.

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Today’s Money Expert Answer Day 17

This Tax Confusion Could Be Costing You Money -- a CFP Explains How To Fix It

Tax credits cut your bill, deductions shrink your income. Learn the key difference so you don’t leave money on the table during tax season.

Article Video

Today’s Money Expert Answer Day 17

Here's What Happens When You Stop Shopping for 30 Days, According to Tori Dunlap

Ditch impulse buys and reclaim your wallet! The 30-day no-buy challenge helps you spend with purpose, not pressure. It’s self-care, not sacrifice.

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Today’s Money Expert Answer Day 17

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.

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Today’s Money Expert Answer Day 17

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 Video

Today’s Money Expert Answer Day 17

I Paid Off $300K in 3 Years -- Here's How I Did It

Personal finance coach Bernadette Joy reveals the simple 3-bucket budget strategy that helped her crush $300K of debt in just 3 years.

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Today’s Money Expert Answer Day 17

Mark Cuban: Here's the No. 1 Thing You Should Do To Build Wealth

Mark Cuban shares his top tip for building wealth: invest in appreciating assets like real estate, stocks, and crypto. Learn how to start today.

Article

Today’s Money Expert Answer Day 17

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 Video

Today’s Money Expert Answer Day 17

The One Step Many Miss When Creating a Money Plan

The first step to a real financial plan? Track your money. Learn how personalized budgeting builds clarity, confidence, and long-term financial success.

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Today’s Money Expert Answer Day 17

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 17

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

Today’s Money Expert Answer Day 17

I'm a Financial Advisor: My Clients Who Retire Early All Do These 3 Things

Want to retire early? Financial advisors share the 3 key steps their most successful clients take to make it happen.

Article Video

Today’s Money Expert Answer Day 17

This One Simple Money Hack Keeps One-Off Expenses From Wrecking Your Budget

Avoid debt with sinking funds—smart savings for irregular expenses like taxes, car repairs, or travel. Budget better, save smarter.

Article Video

Today’s Money Expert Answer Day 17

Social Security's Biggest Lie: Why 'Full Retirement Age' Isn't What You Think

Think you know when to retire? Social Security’s ‘full retirement age’ might be misleading—here’s what it really means for your benefits.

Article Video

Today’s Money Expert Answer Day 17

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 17

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 17

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 17

5 Cities Where You Can Retire for $1,500 a Month and Enjoy All 4 Seasons

Retiring on a tight budget doesn't mean you have to give up comfort or the beauty of experiencing all four seasons.

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Today’s Money Expert Answer Day 17

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 17

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.

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Today’s Money Expert Answer Day 17

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 Video

Today’s Money Expert Answer Day 17

Here's How Much You Need To Retire With a $100K Lifestyle

Want to retire on a $100K income? Expert Jamie Hopkins breaks down savings targets, inflation, and strategies to secure your ideal retirement lifestyle.

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Today’s Money Expert Answer Day 17

6 Popular SUVs To Stay Away From in Retirement, According To Car Experts

Avoid unreliable SUVs in retirement such as the Jeep Wrangler, Ford Explorer and VW Atlas. Our experts recommended Toyota and Honda vehicles instead.

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Today’s Money Expert Answer Day 17

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 17

Here's the Beginner's Credit Mistake That Could Haunt You for Years

Article Video

Today’s Money Expert Answer Day 17

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 Video

Today’s Money Expert Answer Day 17

2 Common Credit Score Myths That Can Tank Your Finances -- And How To Fix Them

Avoid common credit mistakes that tank your score. Expert tips show how consistent habits, not income, build strong credit.

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

Dave Ramsey Says This is the Best Way to Pay Off Debt

Struggling to pay off debt? Dave Ramsey says the popular "smart" strategy could be holding you back — and reveals what actually works.

Read Full Answer

Day 3

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 4

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 5

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 6

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 7

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 8

Frugal Living Expert: Here's How I Save Hundreds per Month, One Expense at a Time

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 9

Here's How to Build an Emergency Fund Without Blowing Your Budget

Personal finance expert Bola Sokunbi shares how to build an emergency fund without falling behind on your other financial goals.

Read Full Answer

Day 10

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 11

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 12

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 13

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 14

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 15

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 16

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 17

The One Loan That's Almost Guaranteed To Deliver Financial Disaster

Payday loans offer fast cash, but at a steep cost. A financial expert breaks down the hidden risks and safer alternatives to avoid the debt trap.

Read Full Answer

Day 18

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

Read Full Answer

Day 19

How To Start Investing With Less Than $1,000

A financial expert explains how to limit risk and grow your money with simple, automated steps -- and as little as $1.

Read Full Answer

Day 20

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 21

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 22

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 23

The Most Common Retirement Mistake, According to an Expert

A financial coach reveals the most common retirement planning mistake, and how to avoid it before it threatens your financial future.

Read Full Answer

Day 24

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 25

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 26

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 27

'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 28

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 29

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.

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Day 30

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.

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Day 31

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.

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Day 32

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.

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Day 33

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.

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Day 34

What the 1% Know About Taxes That You Probably Don't, According to an Expert

Learn how strategies like tax-loss harvesting and asset location can help you lower your tax bill and boost your investment returns over time.

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Day 35

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.

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Day 36

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

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Day 37

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.

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Day 38

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.

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Day 39

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.

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Day 40

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.

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Day 41

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.

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Day 42

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.

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Day 43

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.

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Day 44

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.

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Day 45

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.

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Day 46

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

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Day 47

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.

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Day 48

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.

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Day 49

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.

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Day 50

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.

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Day 51

Is Your Retirement Plan Broken? Suze Orman Has Advice on How To Fix It

Worried your retirement plan won’t hold up? Suze Orman shares key signs it’s flawed — and how to fix it before it’s too late.

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Day 52

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.

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Day 53

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.

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Day 54

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.

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Day 55

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.

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Day 56

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.

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Day 57

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.

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Day 58

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.

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Day 59

6 Warren Buffett Tips To Follow When You Don't Have Time To Research Stocks

Here are Buffett's six best pieces of investing advice and some expert takes to help you start your investing journey.

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Day 60

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.

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Day 61

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.

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Day 62

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.

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Day 63

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.

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Day 64

Mark Cuban's Top 5 Tips That Will Save Retirees From Financial Disaster

For retirees, these lessons are super valuable and can save you from financial disasters. Here are Cuban's top financial tips.

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Day 65

George Kamel: The Budgeting Habit That Took Me From Debt to Millionaire in 10 Years

George Kamel turned budgeting from a burden into a tool for freedom — going from broke to millionaire by shifting his money mindset.

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Day 66

9 Frugal Habits Dave Ramsey Swears By

Discover 9 frugal habits Dave Ramsey recommends to save money, crush debt and build wealth -- practical tips anyone can start using today.

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Day 67

5 Red Flags To Look Out For Before Investing in a Company

Avoid costly mistakes—learn how to spot red flags in stocks with expert tips from Elizabeth MacDonald on financial health, risk, and ratios.

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Day 68

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.

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Day 69

Dr. John Delony: Financial Control Is Abuse -- Here's What To Do About It

Financial abuse doesn't always look like someone stealing your credit cards. It's more complicated. Dr. John Delony on the signs — and what to do about it.

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Day 70

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.

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Day 71

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.

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Day 72

Here's How To Avoid the Biggest Mistake Retirement Savers Make During a Market Downturn

Learn how to protect your retirement savings during market volatility with expert tips from TIAA's Kourtney Gibson.

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Day 73

7 Signs Someone Is Secretly Wealthy, According to Humphrey Yang

Finance influence Humphrey Yang outlined seven signs that someone is secretly wealthy -- these can serve as lessons to anyone hoping to grow their wealth.

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Day 74

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.

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Day 75

This Tax Confusion Could Be Costing You Money -- a CFP Explains How To Fix It

Tax credits cut your bill, deductions shrink your income. Learn the key difference so you don’t leave money on the table during tax season.

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Day 76

Here's What Happens When You Stop Shopping for 30 Days, According to Tori Dunlap

Ditch impulse buys and reclaim your wallet! The 30-day no-buy challenge helps you spend with purpose, not pressure. It’s self-care, not sacrifice.

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Day 77

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.

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Day 78

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.

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Day 79

I Paid Off $300K in 3 Years -- Here's How I Did It

Personal finance coach Bernadette Joy reveals the simple 3-bucket budget strategy that helped her crush $300K of debt in just 3 years.

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Day 80

Mark Cuban: Here's the No. 1 Thing You Should Do To Build Wealth

Mark Cuban shares his top tip for building wealth: invest in appreciating assets like real estate, stocks, and crypto. Learn how to start today.

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Day 81

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.

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Day 82

The One Step Many Miss When Creating a Money Plan

The first step to a real financial plan? Track your money. Learn how personalized budgeting builds clarity, confidence, and long-term financial success.

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Day 83

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.

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Day 84

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.

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Day 85

I'm a Financial Advisor: My Clients Who Retire Early All Do These 3 Things

Want to retire early? Financial advisors share the 3 key steps their most successful clients take to make it happen.

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Day 86

This One Simple Money Hack Keeps One-Off Expenses From Wrecking Your Budget

Avoid debt with sinking funds—smart savings for irregular expenses like taxes, car repairs, or travel. Budget better, save smarter.

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Day 87

Social Security's Biggest Lie: Why 'Full Retirement Age' Isn't What You Think

Think you know when to retire? Social Security’s ‘full retirement age’ might be misleading—here’s what it really means for your benefits.

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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.

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Day 89

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.

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Day 90

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.

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Day 91

5 Cities Where You Can Retire for $1,500 a Month and Enjoy All 4 Seasons

Retiring on a tight budget doesn't mean you have to give up comfort or the beauty of experiencing all four seasons.

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Day 92

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?

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Day 93

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.

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Day 94

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.

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Day 95

Here's How Much You Need To Retire With a $100K Lifestyle

Want to retire on a $100K income? Expert Jamie Hopkins breaks down savings targets, inflation, and strategies to secure your ideal retirement lifestyle.

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