Investing is a Long Game
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…
Money
5 Reward Credit Cards for the Responsible
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,…
5 Personal Finance Resources for Beginners
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…
Money and Work Podcasts by Black Women
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…
10 Money Podcasts by Black Men
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…
5 Best Investing Apps for Beginners
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…
CDFIs: The “S” in ESG
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…
Entrepreneurship | Money | Podcast | Work
Lessons from 2021 to take into 2022 – TMWS03
In this episode, Rich is kicking off the new year with some reflections and lessons to help you chart your path in 2022. “There’s nothing wrong with having a day job. And I’m not saying it’s something that I now…
3 Millennial Money Myths that Need Busting
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…
Blog | Mental Money | Money | Work
The Best of Paychecks and Balances 2021
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,…
Should You Talk About Money?
A few years ago, I met up with some friends for drinks at our favorite bar. One of my friends brought along her new roommate and the conversation quickly took a weird turn when my friend was airing some grievances…
How NFTs Will Shape the ‘Metaverse’, and Why It Matters
Back in the 1970s, people knew the so-called ‘Internet’ was coming, but they didn’t really have a firm grasp of what it would look like or what it could actually do, for that matter. They just knew it had the…
6 Powerful Habits to Build in the New Year
“We are what we repeatedly do. Excellence, then, is not an act, but a habit.”-Philosopher Will Durant. The trick to living the life you want to live is building habits that will result in your desired actions. Here at Paychecks…
Personal Finance Books for Young Adults on Your Gift List
We often hear people say they wish they’d learned how to manage their personal finances earlier in life. And we agree. But since we can’t go back in time, the next best thing we can do is teach the younger…
Should You Ever Pay an Annual Credit Card Fee?
I don’t know about you, but from an early age I was taught that credit cards were a necessary evil. They were something you should use to build your credit, but something you should never rely on for purchases. And…
Track Your Spending, Improve Your Finances
We all have a dream. You might want to buy a home, start a family, or become an entrepreneur. Maybe you have a vision of traveling the world. Or perhaps you simply want to develop a better system for managing…
Pros & Cons of Combining Finances with Your Partner
When you’re cohabitating with your partner, in a long-term relationship, or are married, the topic of finances and splitting costs becomes more and more eminent. Money is involved in most of our daily decisions, and eventually, you reach the point…
Learn, Hustle, Grow with Rob and Reshawn Lee – PB199
Happily married for 13 years, Reshawn and Robert of Learn, Hustle, Grow are in search of a more balanced life, prioritizing their financial independence. They’re real estate investors who also invest in the stock market. They have no consumer debt…
5 Advanced Personal Finance Resources
You have mastered the basics. You’ve sorted through the many budgeting and spending tracking apps and found the one that works for you. You’ve even used one of the myriads of online calculators to determine if your retirement savings are…
Why Net Worth Is Important
Different numbers mean different things – obviously – yet depending on what stage of life you’re in, the value or importance of a number can be drastically different. As a kid in grade school, it might have been your PIN…