Let’s start by addressing the elephant in the room. The term “millennial” is problematic. Firstly, it encompasses a broad age range (persons born 1982 to 2002) with a multiplicity of divergent experiences and life circumstances. Secondly, for some, it’s an…
As Millennials, we’ve grown up through decade after decade of severe economic turmoil; in fact, we’re officially the unluckiest generation in US history when it comes to the economic odds we’ve had to face. And will continue to face down…
It’s no secret that you need to start saving for your future if you want to be wealthy down the road. The problem is most people keep putting it off. And while it’s never too late to start, the longer…
As an early or experienced investor, there should always be a method behind your madness when it comes to where you put your money. When you’re pulling the trigger on a new stock, index fund, or crypto, or when you’re…
Are you feeling stuck? Struggling to meet your goals, no matter how hard you try? If so, it might be time to hire a coach. There’s a reason coaching is a lucrative profession. It works. But it takes the right…
While many of us might see credit cards as a necessary evil, they can actually be an incredible way to not only build (and maintain) your credit but reap financial rewards as well if you’re responsible. On top of that,…
Personal finance is a pretty broad term; it encompasses everything from retirement planning, insurance, savings, investments, budgeting, banking, and tax planning. The entire personal finance industry is so broad that professionals make careers out of advising individuals and businesses in…
When many people think about work, they think of it as a necessary evil. They see it as a rat race and something they have to do to make money and survive. But what if we told you that you…
What were you thinking? By now, it is likely you’re aware of the role your unconscious mind plays in determining your financial outcomes. Whether it’s spending decisions or investment choices, the actions we take with our money are only partly…
In celebration of Black History Month, we’re naming podcasts by black creators worthy of your time and attention. You’re bound to find several to subscribe to in the following list of 17 podcasts hosted or cohosted by black women. And…
Here at Paychecks and Balances, our goal is to meet you where you’re at when it comes to your personal journey to financial independence. Depending on your background and how you learn, the resources you leverage for education to obtain…
You review your finances and strive to improve your money management, but how often do you review your time management? Our time and health are precious commodities, yet we’re all guilty of treating them carelessly in modern life. Why do…
Think you can just drink a few beers or glasses of wine and not have to worry about the costs? Think again. The financial reality of drinking is that it can add up quickly, and before you know it, you’re…
Whether you’re a recent grad or looking for a new role, now’s the time to be making big career moves. At a moment in history when so many employees are leaving for greener pastures in what’s being called “The Great…
Aren’t you tired of simply spending every cent you make, and whatever you do save merely gathers dust under your mattress or in a savings account? Well, you aren’t alone. More and more people are becoming interested in investing to…
It takes a great leader to motivate people to stand up for what they believe in; to be active and proactive even when no one is watching. Ever wonder how Martin Luther King Jr. would lead today? Or what great…
By now, you’ve certainly heard of ESG investing — selecting investment vehicles not only for their potential market return, but taking into consideration how your investments can advance environmental (“E”), social (“S”) and governance (“G”) goals. According to Bloomberg, in…
Do you ever find yourself getting what you want, yet still not feeling happy or free? In his talk at the EconoMe Conference in November 2021, Rich shares a bit of his experience chasing happiness and freedom and what it…
Your 20s and 30s can be an amazing time of planting roots, exploring new places, and self-discovery, but it can also bring its fair share of challenges. Especially if you didn’t grow up learning about money and personal finance from…
Paychecks and Balances helps working professionals make money, save money, get out of debt, and enjoy life along the way. This year we had some amazing guests on the podcast, published some great articles on the blog, redesigned the website,…
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