Walter Boza
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Why we’re talking about tariffs again: what they mean for your wallet and portfolio
Tariffs, globally defined: tariffs are taxes on imported goods that governments collect when products cross a border. They raise the landed cost of imports; how much of that cost reaches…
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Financial Planning: Your roadmap to peace of mind, control, and long-term growth
Financial planning isn’t reserved for people with six-figure salaries or trust funds. It’s your personal roadmap to make your money work with you, not against you. Whether you’re supporting a…
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Financial News – Fed split on rate cuts, shutdown pain, and the AI boom
This week delivered three major financial stories that will ripple through markets and household finances: the Fed’s internal discord over further easing, the mounting effect of the government shutdown on…
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When flights slow down, so does the economy: The hidden cost of the government shutdown to families
The ongoing shutdown has already caused FAA staffing shortages at multiple airports, as air traffic controllers face working without pay while dealing with pre-existing staffing challenges. Expect ongoing flight delays…
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Diversification made simple with low‑cost ETFs
What are ETFs? Exchange-traded funds are powerful baskets of many stocks or bonds you can buy in a single trade. They deliver instant diversification, remarkably low costs , and flexible…
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Save Money on Bills: A Practical Guide to Negotiate and Reduce Your Monthly Expenses
Saving money on your bills is a smart financial habit, and it can be easier than you think. By systematically reviewing and negotiating internet, utilities, rent, or healthcare charges, you…
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Can you use a Roth IRA to buy your first home without a penalty?
The Roth IRA first home purchase exception lets you withdraw up to $10,000 in earnings penalty-free to buy, build, or rebuild a primary residence within 120 days. Your contributions are…
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Government Shutdown, ACA Subsidies, and the Housing Market in 2025
This past week brought a mix of financial headlines that directly affect American families—from the government shutdown’s impact on the stock market to looming questions about Obamacare subsidies expiring in…
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What Happens to the Stock Market During a Government Shutdown?
The stock market is where shares of public companies are bought and sold. During a government shutdown, U.S. exchanges continue operating normally. The most recent data from October 2025 shows…