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Tag: savings rate

  • Saving money

Why You’re Losing Money with Your Big Bank (And What to Do About It)

  • September 29, 2025
  • Tagged as: budgeting, CIT Bank review, emergency fund, HYSA, savings rate

Are you tired of watching your hard-earned savings dwindle away due to sneaky fees and low interest rates at giant traditional banks like Bank of America or Wells Fargo? Me too 🙋‍♂️ Or what about…

2 Replies
Joel O'Leary
  • Ask Matt & Joel

Ask Matt & Joel: I have $60k to invest. Should I dollar cost average or invest it all at once?

  • October 20, 2024
  • Tagged as: dollar cost averaging, index funds, money gears, money goals, saving for retirement, savings rate

Today’s question comes from Nicholas in Richfield, OH… “Hi, Matt, and Joel. I had a question about an investment option for $60k that I currently have sitting in my Vanguard money market account. A little…

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Avatar photo Joel
  • Ask Matt & Joel

Ask Matt & Joel: Should I still save for retirement if I have a pension?

  • October 16, 2024
  • Tagged as: diversification, FIRE, pension, saving for retirement, savings rate, target date funds

This question comes from Ashley in Sacramento!… “Hey there, Matt and Joel. I really wish you guys were around when I was in my twenties. Alas, I am now 61 years old and the only…

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Avatar photo Joel
  • Ask Matt & Joel

Ask Matt & Joel: Do 529 contributions count towards my savings rate?

  • October 14, 2024
  • Tagged as: emergency fund, fire movement, retirement investing, saving money, savings rate

This question comes from Atlanta local, Graham!… “On a previous episode, a caller asked if 401k matches should be considered as part of their savings rate. I personally include the match as part of my…

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Avatar photo Joel
  • Ask Matt & Joel

Ask Matt & Joel: Should additional mortgage payments be included in my savings rate?

  • September 23, 2024
  • Tagged as: debt management, Financial Independence, mortgages, retirement investing, saving money, savings rate

This question from Calvin was posted in our HTM Facebook Group… “Should additional mortgage payments be considered when determining my savings rate?” Matt & Joel’s response: The short answer is yes.  Interestingly enough, many of…

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Avatar photo Joel
  • Saving money

How to Calculate Your Savings Rate (and Improve It!)

  • March 28, 2024
  • Tagged as: budgeting, Financial Independence, net worth, saving for retirement, savings rate, tracking expenses

Imagine if you had a crystal ball that could look into the future and tell you how rich you are going to be… Wouldn’t that be cool!? Well, believe it or not, there is such…

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Joel O'Leary
  • Newsletter

Savings Rates, Frugal Techies, and Toyota’s FTW 🚘

  • February 20, 2024
  • Tagged as: 401k, buying a new car, car loan, emergency fund, savings rate

Happy Tuesday, money lovers! Here are some reasons why people fail when trying new things… And here are the reasons people succeed when trying new things… ****** Just something to think about when you tackle…

1 Reply
Avatar photo Joel
  • Personal Finance

How To Retire Early

  • October 15, 2023
  • Tagged as: 4% rule, compound interest, early retirement, Financial Independence, FIRE, frugal living, healthcare costs, investing, Life Hacking, Real Estate Investing, saving for retirement, savings rate, tax advantaged accounts

With hard work and dedication, anyone can learn how to retire early! Follow these simple steps to achieve financial independence early.

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Personal Finance

Net Worth – Here’s Everything You Need To Know

  • May 18, 2023
  • Tagged as: budgeting, debt management, emergency fund, Financial Independence, net worth, saving for retirement, savings rate, ynab
What is net worth blog title

Calculating and tracking your net worth is one of the easiest ways to make sure your financial journey is moving in the right direction

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
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