Every penny definitely counts, especially when it comes to college expenses (our own or our children’s!). You’ve heard from me before about the government’s three month delay in opening the 2024 FAFSA (Free Application for Federal Student Aid). The form is finally live, but on Jan. 30th the U.S. Department of Education announced another delay;…

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Gratitude is a word we all hear in November. We are so grateful for family and friends and the ability to come together to celebrate the holidays. We are grateful for our health and jobs, our hobbies and relationships. The list is endless of what we are grateful for, but did you know that the…

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The debt ceiling traces its roots to 1902. The US government wanted to build the Panama Canal and needed to ask Congress for authorization to borrow specifically for that project. During World War I, requesting such authorization on a project-by-project basis became too cumbersome to fund the war effort. To ease that burden, Congress passed…

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The inbox ignites with recognition of years of hard work – your child has been accepted into college! As college acceptance letters go out across the nation, many parents and students are struggling to decide how to pay for it all. With the cost of an undergraduate degree having risen 169% from 1980 to 2020*,…

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Retirement Contributions – Make 401k, IRA or employer contributions. Charitable Contributions – Give cash or appreciated investments to your favorite charities. 2021 Reflection – Did I save, give, spend intentionally, and pay off what I had planned? If so, celebrate! If not, why? 2022 Plan – How much will I save, give, spend intentionally, and…

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