Simplifying finance for everyone!
Save over $500 without sacrificing the phone experience you actually need by buying an iPhone 14 Plus used. I’m not saying not to buy anything. I’m saying you can buy whatever you want as long as you can afford to buy it cash outright. That’s the prepaid lifestyle in action, and it applies to smartphones … Read more
When it comes to growing your savings, a high yield savings account (HYSA) makes a real difference. These accounts offer interest rates that are 10 to 15 times higher than traditional savings accounts at big banks, helping your emergency fund or savings goals grow faster. Whether you’re building financial security or saving for a major … Read more
Most people think building wealth requires complex strategies and perfect timing. If you prefer listening to reading, you can catch the full episode wherever you get your podcasts. Building wealth doesn’t need to be complicated. Simple systems that you actually stick to beat perfect plans you abandon every time. The financial industry wants you to … Read more
Learning how to create an emergency fund feels overwhelming when every expert tells you to save 3-12 months of expenses in a basic savings account earning nothing. Here’s the simple truth: traditional emergency funds are “dead money” that lose value to inflation while sitting there. The Simple Finance System uses a three-tier emergency fund that … Read more
The Federal Reserve just announced a rate cut, which means interest rate changes, and suddenly people are questioning their financial strategy. If you prefer listening to reading, you can catch the full episode wherever you get your podcasts. The Fed cut rates in September, and financial headlines are probably screaming “URGENT: What This Means for … Read more
The complete beginner’s guide to how to start investing with just two investments. Learning how to invest feels scary when everyone has different advice about what to buy. Here’s the simple truth: you don’t need to pick stocks, time the market, or understand complex strategies to build serious wealth. The investment world makes things complicated … Read more
Financial Protection: This week on Simple Finance Bytes, we’re starting Module 6 of the Simple Finance System and challenging the fear-based approach to financial security. If you prefer listening to reading, you can catch the full episode wherever you get your podcasts. The financial industry wants you paralyzed by security fears while spending money on … Read more
If someone on social media is trying to convince you that whole life insurance or IUL is the key to “tax-free retirement income,” chances are they lost their job last year and were recruited by a life insurance MLM scheme telling them they could make six-figure commissions selling you expensive financial products you don’t need … Read more
MVNO Guide: If you’re paying more than $40 monthly for cell phone service, you’re probably getting ripped off. Mobile Virtual Network Operators (MVNOs) offer identical network coverage for 50-70% less than major carriers, but carrier loyalty psychology keeps most people trapped in overpriced plans. This comprehensive guide shows you how to switch to an MVNO … Read more
Subscription Audit: The average American household now spends $273 per month on subscriptions, but most people estimate their spending at only $79 monthly. If that gap surprises you, you’re experiencing exactly what subscription companies designed – the psychology of invisible recurring payments. This isn’t about bad budgeting. It’s about how your brain processes subscription costs … Read more