As featured in The Wall Street Journal, Money Magazine, and more!

Best Feature of a 401(k) Plan: Employer Contribution

by Luke Landes

A Reddit user recently posed this question to her fellow community members: Right now my fiancé and I have 2 student loans, 2 vehicle loans, small credit card debt, and a mortgage. We want to start the snowball debt payment method and want to apply a little more income to accelerate the process. My company ... Continue reading this article…

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Should Rich Families Leave Their Wealth to Their Children?

by Luke Landes
Cash

One of the great promises of the United States of America is economic mobility. In the Land of Opportunity, in theory, you can design your life’s economic fate. Immigrants from Europe looked forward to leaving economic and religious oppression in their past, as they came to the land that is or would become the United ... Continue reading this article…

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Podcast 164: Vanguard’s My Classroom Economy

by Luke Landes

Today on the Consumerism Commentary Podcast, Jay talks with Shannon Nutter-Wiersbitzky about My Classroom Economy, a model classroom curriculum designed by Vanguard. Shannon is the Director of Market Research at The Vanguard Group. They discuss many aspects of bringing a real world economy model into the classroom, where students earn salaries and have to pay ... Continue reading this article…

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It’s More Expensive to Raise Kids Today

by Luke Landes
Teddy Bear

Despite low or stagnant measures of inflation, at least as those numbers are reported by the government, families are faced with expenses that continue to rise. It’s been a while since I last wrote about the Department of Agriculture’s calculation of the cost of raising a child. The last time I wrote about this was ... Continue reading this article…

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Seven Great Gifts for College Graduates

by Luke Landes
Graduation

If there is a college graduate in your life, he or she will likely receive a number of gifts. The first gift will be the realization that it can be difficult to find a job in this economy right now — if the goal is to get a job in the same field of study ... Continue reading this article…

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Public School Funding: Taxes or Parent Donations?

by Luke Landes
Classroom

When communities vote on public school budget proposals throughout the country, voting citizens evaluate the quality of the curricula, the perceived effectiveness of the administration, the students’ performance, the prioritization of students’ needs, and their own wallets. Rising costs and an unstable economy tend to push parents to be wary of budget increases that result ... Continue reading this article…

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Family Net Worth Down Significantly After Recession

by Luke Landes
Family Net Worth

The Federal Reserve’s survey of family finances in 2010, released recently, provides a picture of how devastating the recession has been to families’ financial conditions. Family income and net worth both declined from 2007 to 2010 across all slices of demographics, but the decline in net worth was much sharper. The Federal Reserve’s report on ... Continue reading this article…

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Four Risks of Investing

by Luke Landes
Skydiving

No investment is without risk. You may feel safe even when you do what financial advisers consider the “right thing” — invest in a broad stock market index fund with a long-term view — but there is risk there as well. Unfortunately, to build wealth over time, investors need to accept a significant amount of ... Continue reading this article…

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Podcast 163: Personal Transformation, J.D. Roth

by Luke Landes

Today on the Consumerism Commentary Podcast, Tom Dziubek and Flexo speak with J.D. Roth, founder of the personal finance website Get Rich Slowly about the topic of personal transformation. J.D. discusses many of the changes he’s gone through recently including what inspired him to transform himself and what he did to prepare himself for the ... Continue reading this article…

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Automation Moderation: Don’t Let The Machines Control Your Money!

by Luke Landes
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Over the course of thousands of years, the character of money has gone through various metamorphoses. Bartering was the chief method members of a society acquired their individual needs until they developed shortcuts. Since that first shortcut, societies haven’t stopped creating more shortcuts, further separating the method of acquiring something from those things that are ... Continue reading this article…

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