Debt Avalanche or Snowball

If you’re staring down a mountain of student loan debt, you’ve likely heard of two different repayment strategies: The debt “snowball.” The debt “avalanche.” The debt snowball repayment strategy means that you start by repaying your smallest debt first. This could be a low-balance credit card, your smallest student loan – basically, whatever debt you…

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As a financial planner who works with attending physicians, I see one mistake consistently being made when it comes to personal finance: Individuals who are able to live comfortably as a result of their income skip the process of building a budget. More often than not, it’s not a decision they consciously made. A budget…

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New Year's Resolutions

This time of year, the internet is flooded with information about setting (and sticking to) New Year’s Resolutions. Here’s the thing, and I know this isn’t a popular opinion, but I don’t like resolutions. In my line of work as a financial planner, I see a lot of people set out to achieve some pretty…

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With every new year, I see a huge number of people committing to live a better financial life. If that sounds like you – there’s one clear place to start: with a budget. There are thousands of different ways to budget effectively, and the truth is that they all work to some extent. Different budgeting…

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