What Is Debt-to-Income Ratio (DTI)? The Number Lenders Look At Most
Finkerr Introduction When you apply for a major loan, such as a mortgage to buy a home or a loan to purchase a car, lenders look at a variety of factors…
personal finance
What Is a Brokerage Account? A Beginner’s Guide to Your Investing Gateway
Introduction You have done your research. You understand the difference between stocks and bonds. You have learned about the power of diversification through index funds and ETFs. You have even…
What Is a FICO Score? Decoding the Number That Lenders Use
Introduction When you apply for a new credit card, a car loan, or a mortgage, a complex process happens behind the scenes. The lender needs to make a quick and…
What Is Net Worth? How to Calculate Your True Financial Position
Introduction How do you measure financial success? Many people might point to their annual salary, the balance in their checking account, or the car they drive. These numbers can feel…
What Is a High-Yield Savings Account? A Guide to Maximizing Your Savings
Introduction Many of us have had this experience. You look at your monthly statement from a traditional, big-name bank. You see the savings account that you diligently contribute to. Then,…
What Is an IRA? Your Guide to Individual Retirement Accounts
Introduction In the world of retirement savings, the 401(k) often gets most of the attention as the go-to workplace plan. But what happens if you’re a freelancer, a gig worker,…
A Beginner’s Guide to Insurance: Protecting Your Financial Future
Introduction In the world of personal finance, we spend a lot of time talking about growth—growing your savings, your investments, and your income. But what about protecting what you already…
How to Pay Off Credit Card Debt: A Strategic Guide for 2025
Introduction It’s a feeling many know all too well: the sinking sensation that comes from looking at a credit card statement. The balance seems to barely budge, even though you’re…