Master the Art of the Pay Raise Pitch: 21 Strategies for Negotiating Higher Pay

Negotiating a higher salary is a critical skill, whether you’re an introvert, extrovert, seasoned professional, or newcomer to the workforce. How can you navigate this conversation to ensure you’re getting the compensation you deserve in any industry? 1. Research Your Worth Before any negotiation, know the standard salary for your role in your industry and … Read more

Budgeting Basics: 12 Tips for Managing Your Money Wisely

Embarking on a journey to master budgeting requires evidence-based strategies supported by research to manage your finances effectively and achieve your financial goals. Here are 12 research-backed tips, along with actionable steps to implement them, for mastering budgeting and maximizing your financial well-being: Set Clear Financial Goals Define specific, measurable financial goals that align with … Read more

Financial Freedom: 17 Steps to Financial Independence

So, you’re looking to kickstart your journey towards financial freedom. Well, you’re in luck because we’ve got just the guide for you. Achieving financial independence might seem like a lofty goal, but with the right steps and mindset, it’s totally doable. Let’s dive into these 17 steps that can help pave your way to financial … Read more

Smart Money Moves: 14 Habits for Building Wealth

Building wealth requires smart financial habits and strategic planning. These 14 actionable tips offer insights to help you navigate your journey to financial independence effectively. Leverage Tax-Advantaged Accounts Take full advantage of tax-advantaged accounts like Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and 529 college savings plans. These accounts offer tax benefits that can … Read more

Banking on Equality: Financial Inclusion in a Divided Economy

As wealth inequality widens, this gap underlines a shortfall in financial accessibility for vast segments of society. The need for a more inclusive monetary system is increasingly urgent. The government and financial institutions must play a pivotal role in bridging this divide. While financial inclusion remains crucial in addressing these systemic inequalities, it also serves … Read more

Escape the Low-Wage Trap: Navigating Career Advancement in an AI-Driven World

Broken pathways hinder economic opportunity in the United States. Career navigation is critical in addressing stagnant wages and inequality among low-wage workers. The issue disproportionately impacts women and people of color, who find themselves overrepresented in lower-paying roles. Despite decades of economic progress, the wage gap persists, posing significant challenges for these workers and the … Read more

Revitalizing Main Street: Biden’s Small Business Strategy

In a significant move to bolster small businesses, the Biden-Harris Administration has announced a series of new federal initiatives. The moves promise critical support to small enterprises across the United States.  The initiatives, focusing on financial aid and accessibility, aim to strengthen the backbone of the American economy by empowering small businesses to navigate funding … Read more

The Retirement Crisis: Social Security’s Dwindling Funds Threaten Benefits

America’s aging population faces a grim reality as Social Security trust funds teeter on the brink of depletion.  Fund reserves for Social Security and Medicare will be exhausted by 2034, posing challenges to maintaining benefits for current and future beneficiaries.  The situation presents a dire financial crisis for millions of retirees, as cuts to payments … Read more

Preparing for Prosperity: Are Millennials Ready for Boomers’ Trillions?

As Baby Boomers approach their later years, transferring their wealth to younger generations is set to mark one of the most significant financial shifts in history. This unprecedented change is more than a transfer of assets. It represents a critical juncture for families grappling with the logistics and implications of wealth succession.  It raises crucial … Read more

SafeMoon Execs Face Charges in Major Crypto Scandal, Raising Concerns Among Investors

SafeMoon, a name once synonymous with skyrocketing crypto gains, is now the center of a major scandal. U.S. authorities have charged the top executives with fraud. SafeMoon’s Downfall SafeMoon executives have been indicted for fraud. The company’s once high-flying token has plunged, causing concerns among crypto investors. Who’s Been Charged? Founder Kyle Nagy, CEO Braden … Read more

Divorce After 50: Is Gray the New Black?

Long-term marriage vows were once seen as unbreakable, yet people over 50 are increasingly parting ways. This surge in ‘gray divorce’ presents challenges and implications extending well beyond the couple.  Grey divorce refers to the growing number of older couples, usually over 50, getting divorced. The term is becoming far more commonplace as the rate … Read more

Health Care Costs are Making America Sick

Rising healthcare costs and the burden of medical debt are not just straining personal finances; they are impacting health outcomes and quality of life. As many Americans grapple with these challenges, healthcare affordability is now a national crisis.  This alarming trend underscores a deepening problem for millions of citizens. Even those with insurance are not … Read more

Aging Americans Forced to Work Longer: Is 70 the New 65?

The classic goal of ending your work life at 65 with financial peace of mind is slipping away. Previous generations looked forward to winding down in their mid-sixties. Now, a growing number of workers find themselves compelled to stay in the labor force longer than they ever anticipated.  Mounting costs of living, dwindling savings, uncertain … Read more

The Domino Debt Effect: Crippling Student Loans Are Threatening Family Life and Long-Term Financial Freedom

The American dream, once painted with the promise of education and prosperity, is being overshadowed by a looming cloud of student loan debt.  This financial burden is not only altering the course of individual lives but is also reshaping family dynamics and the pursuit of financial independence.  The rise in student loan debt is a … Read more

How I Made $1,400 With Textbroker

How I Made $1,400 With Textbroker

Mama Say What?! is the new name for Thrifty Guardian. Textbroker is a great way to start out when you’re first looking to freelance as a ghostwriter or content developer. Generally, there’s a lot of freelance work out there, if you can find it. Many sites like Upwork, promise the concept of getting some side … Read more

Americans Seek Urgent Money-Saving Solutions Online as They Face More Economic Hardship

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Americans have become increasingly concerned about saving money, with over 12,800 citizens searching for monthly tips to hold onto their cash. Among them, Oregon is most concerned.  As part of their recent merger with Thrifty Guardian, news outlet Mama Say What?! conducted a study that indicates that money-saving searches are spiking in Oregon as of … Read more