Reader Question: Roth IRAs and 401(k)s?


If you have questions about your finances, you are not alone. In fact, here at Your Finances Simplified we often receive financial questions from our readers. For example, Reginald recently emailed me asking about the benefits of a Roth IRA versus a 401(k).

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Does Debt Consolidation Ever Make Cents?

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If you happen to find yourself on the wrong end of a debt collection call, if you find your mailbox is increasingly filled to the brim with past due notices, if you dread the phone ringing because you just know it may be a debt collector, well then, chances are you are looking for a [...]

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Your Financial Relationships: What’s Your Biggest Money Pet Peeve?


This post is part of our Your Financial Relationships series. This series is designed to help you discover the financial topics you should discuss with your significant other in order to have a financially healthy relationship. Today, we’ll be looking at you should discuss your money related pet peeves with your partner. Being a Boomer, [...]

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Screw You! I’m Not Giving Up My Caramel Macchiato!

You may be thinking, “It’s only a damn coffee,” it’s really not that serious, sir. Well, let me tell you that you don’t know what you’re talking about. I mean just look at this beautiful creature… This is nothing short of the modern day form of ambrosia. For those of you not in the know, [...]

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At War with Credit Card Debt? Some Aggressive Tactics for You

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A 2012 National Financial Capability study conducted by FINRA revealed that around 40 percent of Americans believe they have too much debt. Overall consumer debt has increased 3.7% from last year, with student loans being the main culprit, increasing a whopping 13.9 percent year-over-year.

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Rental Property Empire Update #1

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Wow. I do not remember the last time I talked about my rental properties on this blog or shared how we are doing income/expense wise. I guess it’s time I fill you guys in on how we are really doing. I tell you this as we close on our 7th rental property.

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4 Ways to Stay On Top of Expenses When You’re Unemployed


This is guest from Lauren at L Bee and the Money Tree. Leave a comment to say hello! – Very few people actually want to be unemployed. Still, it happens. Even if you’re prepared with an emergency fund, or second income (such as a spouse’s income or freelance gig) to fall back on, it’s definitely [...]

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Brain Hack: Using Financial Anxiety as a Tool

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Financial anxiety got you down? The economic recession, depression, recovery, sputtering recovery,and so on, can be a downer for anyone. No wonder you may be feeling a bit uneasy about your personal finances. Good grief, some of the economic news out there is enough to send you running to your neighborhood pharmacy for some sort [...]

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Confessions of A Father – Part 1

Olivia knocked out after a long morning of play

Oddly, I haven’t introduced my blog to my personal life much. I’m not sure why, but I seem to find it easier to do on other platforms like Instagram and Facebook. However, if you’ve read my post Confessions of a Fatherless Child, you’re probably wondering how things are going with me as a new father.

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