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Trading vs. Investing: What You Don’t See When You Buy a Stock
Today, plenty of apps let you buy stocks from your phone, often in just a few taps. But buying a stock on your own…
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Can an IRA Contribution Reduce Your 2025 Taxes?
Yes, a prior year IRA contribution can reduce your 2025 taxes—even if you make it in 2026. The rule: a Traditional IRA contribution counts toward the 2025 tax year as long…
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What Is the True Cost of Early Retirement Withdrawals?
Early retirement withdrawal true cost goes far beyond the 10% additional tax. You may also owe income taxes, may face state taxes, and lose years of potential growth* that can…
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How Do You File an Amended Tax Return? Fix Mistakes and Protect Your Refund
Need to fix a tax mistake? An amended tax return (Form 1040-X) lets you correct income you forgot, change your filing status, or claim credits you missed. The process is…
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Markets, Rates, and Davos: What This Week Means for Your Money
This week reminded markets how quickly confidence can shift when politics, policy, and perception collide. President Trump’s appearance at the World Economic Forum in Davos triggered a familiar pattern: caution,…
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One Year of Trump: What Does It Mean for Your Investments in 2026?
Summary from Carlos García’s (Finhabits) Live Stream — Thursday, January 22 This article summarizes ideas shared by Carlos García in an educational live stream for Finhabits. These are his personal…
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Debt Snowball vs Avalanche: How to Pay Off Your Debt Faster
Debt snowball vs avalanche: which is better for paying off debt? The debt snowball method targets your smallest debt first, giving you quick psychological wins that keep you motivated. The debt avalanche…
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What Happens If You Don’t File Taxes?
What happens if you don’t file taxes? Penalties can add up fast (often up to 5% per month on unpaid tax, capped at 25%), interest compounds daily, and IRS letters…
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How to Prepare for Tax Season 2026? What Every Investor Should Know.
Most investors—and as taxpayers, we all fall into this category—think they’re prepared for tax season until February rolls around. That’s when missing forms, scrambled receipts, and the realization that they…
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Tech Boom vs. Rate Uncertainty: What It Means for Your Money
The week was defined by a historic “tug-of-war” in Washington and a record-breaking performance in the tech world. While the headlines are filled with complex legal disputes and global earnings,…