Generation Z faces an uncertain financial world, and they’re well aware they likely won’t have the same benefits as generations that preceded them. Roughly one quarter (23%) of Gen Z don’t expect to ever be able to retire, according to a recent McKinsey & Company study. This belief stems from…

Personal finance is like politics and religion. People live and die over doctrinal debates that too often take the discussion to polarizing ends and away from the root issues and optimal guidance. Much of the debate in financial planning lies in the investment realm. Active versus passive. Individual securities versus…

Consumer prices increased more than expected in December, driven by a continued uptick in shelter prices, according to the Consumer Price Index (CPI) released by the Bureau of Labor Statistics (BLS).  On an annual basis, prices rose 3.4% in December, up from 3.1% growth last month and above economists’ expectations. Core inflation, which excludes…

Student loan payments restarting hasn’t been easy for many borrowers, but there’s one good thing that comes from making these monthly payments: a potential tax deduction. Now that interest is again accruing on most student loans, borrowers can claim the student loan interest deduction on the interest paid when they…

A growing number of Americans are falling behind on their monthly credit card payments as they continue to battle high inflation and interest rates, according to new data published by the Federal Reserve Bank of Philadelphia. All stages of credit card delinquency – 30, 60 and 90 days past due…

Merry Christmas! A sacred event on the Christian calendar, Christmas falls on Monday, Dec. 25. Naturally, many government offices, businesses and services will be shuttered that day. There will be closures on Christmas Eve, Dec. 24, as well, though some of those are due to the fact it’s a Sunday…

Navigating the shift from employment to self-employment requires careful planning, dedication and a willingness to embrace the entrepreneurial spirit.  By strategically approaching this transition, individuals can unlock the doors to a fulfilling and successful self-employed career.Assess your skillsDevelop a business ideaCreate a business planBuild savingsUnderstand legalitiesDevelop an online presenceStart networkingManage…

How happy would you be living in Mexico? In order to get some useful guidance, we asked the experts what they thought; not only expats who moved here, but also the Mexicans who were born and live here and who have watched us expats and who have come to conclusions…

Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own. The…

I live in California.I bought an investment property in California with my sister. My aunt gifted us the money for the down payment. We weren’t in a position to qualify for a loan in the beginning, so my sister and her husband were on the loan. The three of us…