Author name: Holly Burns

The dream: waking up every morning and choosing how to spend your day, not because you have to work but because you want to. The average American saves just 4.6% of their income and takes 13 to 45 years to save even one year’s living expenses. But what if a more innovative way existed to […]

In the 1980s, children were seen but not heard. They were taught to respect their elders and do what they were told. This world was vastly different from today’s highly supervised, technology-driven childhood, where parents hover over every decision and shield kids from disappointment. Growing up in the 80s meant learning life lessons through real

You drive three hours to four stores to save $12 on groceries, only to burn through $15 in gas money. Sound familiar? We’ve all been there, chasing small savings while missing the bigger financial picture. This happens because our brains struggle to keep money in perspective—the same reason someone might spend 20 minutes comparing prices

Have you ever wondered what separates wealthy women from everyone else? It’s not just about having a trust fund or landing the perfect job. Research shows that 88% of wealthy people read for at least 30 minutes daily, and about 80% of millionaires are self-made. The difference between the rich and everyone else is their

5 Small Moves That Can Have a Big Impact on Your Money Mindset Picture this: you’re lying awake at 2 a.m., mentally calculating whether you can afford groceries this week while that unexpected car repair bill sits on your kitchen counter. If this sounds familiar, you’re not alone. Research shows that 2 in 5 adults

Let’s be honest about what keeps most people awake at night. Nearly 30% of working Americans have saved absolutely nothing for retirement, and that number has actually gotten worse over the past few years. Of those trying to save, only about one in three feels confident they’re on track for a decent retirement. The traditional

Social media feeds are filled with designer handbags, luxury vacations, and expensive dinners at trendy restaurants. Everyone seems to be living their best life, flashing wealth at every turn. But behind the glamorous photos and enviable lifestyle posts, many people are secretly struggling financially. The truth is that looking wealthy and being rich are two

Nearly 7 in 10 Americans say they have financial regrets from this year alone, and many wish they could take back their biggest spending mistakes. If you’ve ever felt that sinking feeling after making a big purchase, you’re not alone. Research shows that 71% of Americans regret spending, and 55% admit they spend recklessly. The

“Personal finance is only 20% head knowledge. The other 80% — the bulk of the issue — is behavior.” These words from financial guru Dave Ramsey reveal an uncomfortable truth: most of our money problems aren’t about math or income levels. They’re about the small, seemingly harmless habits we repeat daily. You might think your

Most people think wealth means spending money freely and living an extravagant lifestyle. But here’s a surprising truth: nearly two-thirds of Americans waste a considerable amount of money each month—about $139 on average—while the wealthiest self-made millionaires practice completely different money habits. The real secret isn’t about how much you earn, but how you manage

You think you’re good with money. You clip coupons, hunt for sales, and maybe even have a budget app on your phone. But what if I told you that Americans waste over $200 billion every year on purchases they think are smart? The truth is that some of our most “responsible” spending habits are draining

Rising costs are hitting families hard in 2025. Everything seems more expensive than it used to be, from grocery bills to gas prices. Restaurant prices are climbing faster than ever, with costs jumping over 5% yearly while grocery prices only go up about 1%. The result? More than two-thirds of Americans are now skipping restaurant

Many Americans dream of escaping the 9-to-5 grind and retiring early. Having complete freedom with your time while you’re still young and healthy sounds amazing. But is early retirement possible or just a fantasy for the ultra-wealthy? According to financial expert Dave Ramsey, early retirement is achievable for regular people. However, it requires severe discipline,

Do you ever wonder where your money goes each month? You’re not alone. Most Americans spend over $32 on unused subscriptions every month, and many underestimate their total monthly spending by more than $130. These small money leaks might seem harmless, but add up to thousands of dollars over time. The good news is that

Personal finance advice often sounds logical until you do the math. We’ve all heard the same budgeting tips repeated everywhere from social media to financial websites. These strategies get shared so often that they become accepted wisdom, but when you crunch the numbers, many of these popular tips have serious flaws that could cost you

You’ve invited your most budget-conscious friend over for dinner, and while you’re focused on ensuring the meal is perfect, they’re quietly taking in details about your home that you might never consider. It’s not that they’re judging you – quite the opposite. Frugal people have trained their eyes to spot opportunities where money might slip

We’ve all seen them on social media – people posting pictures of designer handbags, expensive dinners, and luxury vacations. Their Instagram feeds look like a page from a lifestyle magazine. But behind those carefully curated photos, many people are struggling financially. They’re living paycheck to paycheck, drowning in credit card debt, and putting on an

In 2022, consumer financial fraud reached shocking levels, with reported losses totaling nearly $8.8 billion. That’s a 30% jump from the previous year, and the trend shows no signs of slowing down. As our lives become increasingly digital, protecting financial information has never been more critical. The rise of social media and advancing technology has

The United States saw a surge of new millionaires in 2024, with over a thousand joining the ranks daily. At the same time, billionaire wealth soared by trillions of dollars in just one year. Yet, despite these headline-grabbing numbers, about half of American households would struggle to cover a modest emergency expense. While wealth inequality

Money stress keeps millions of Americans awake at night. Only 32% of people can pay cash for a $400 emergency, which means most of us are one car repair or medical bill away from financial disaster. Living paycheck to paycheck without a plan traps families in an endless cycle of debt and worry. But there’s