When it comes to retirement planning, conversations often center around portfolio management and investment strategies—what I like to call the bling of the financial world. Generally, you sit down with an advisor and begin your work together by listing all your assets and expenses. They, in turn, provide you with…

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…

Millions of borrowers with existing student loans still have not made a payment since the bills resumed in October after a three-year hiatus, and some admit they are refusing to pay out of protest. In an Intelligent.com survey conducted this month of 1,000 federal student loan borrowers, 25% said they…

Credit-card holders with whiplash from two years of fast-climbing interest rates and fast-growing balances just got a little bit of good news. The average interest rate on new credit-card offers remained unchanged from December to January, according to one measurement released Tuesday. It’s the first time since February 2022 that…

Money-related New Year’s resolutions are common because, often, many people want to improve their financial situation. Unfortunately, merely stating intentions like “get out of debt in 2024” or “save more money” without concrete plans is often just a wish, which is why many resolutions are abandoned by February. That doesn’t…

Seniors saw a boost in Social Security benefits in 2023 to offset the rising cost of living. But there could be a downside—the increase may result in a higher tax bill this tax season for some taxpayers. Social Security benefits are designed to supplement income in retirement (and provide specific…

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…

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. During…

You own your home and car free and clear. You pay your credit-card balance in full every month. You have no remaining student loans — or any outstanding loans. In short, you have no debt. So does your credit score even matter anymore? On the surface, the quick answer is…

Everyone nearing retirement always seems to have a ton of questions surrounding how to maximize their Social Security benefits. These questions range from “When should I take Social Security?”, “How Can I maximize my Social Security benefits?”, “Are Social Security benefits taxable?” to “Can you help me choose the best…