Why you should consider only making the minimum payment on student debt every month. Anyone with a BBA is familiar with the term opportunity cost. An opportunity cost is “the potential benefits an individual, investor, or business misses out on when choosing one alternative over another.” Opportunity costs apply to…

A few months ago, Yotta Savings broke into mainstream personal finance communities with influencers Graham Stephan and Ask Sebby announcing themselves as angel investors. It has since grown to be a hot topic among personal finance gurus. …

Call me crazy, but I want to retire early. Not because I don’t enjoy work, but because there are things I enjoy more than work. For example, relaxation on a beach in the Caribbean or to learn a new language (Italian is my personal choice). It’d be a dream to…

Ever wonder how some people work a modest job their whole life and never worry about money? Yet some people make six-figure salaries and are always worried about money. While there’s a broad range of income across the world it’s undoubtedly feasible to live on a $63,000 salary (U.S. national…

Have you ever had someone tell you not to get “too many credit cards?” I know I’ve heard it before, but never fully understood why. When I found out the average American only has 2.69 credit cards I wondered how many credit cards really are too many? And is having…

In case you missed it, The New York Times recently published an article stating that the year Donald Trump was elected president he only paid $750 in income taxes. The article claims that Trump has not paid income taxes in the past 10 to 15 years because of losses he…

If your school’s financial literacy teachings were similar to mine, you associate credit cards with the rapidly growing U.S. consumer debt. Early in my personal finance education, it was taught that credit cards create “bad debt” and should be avoided when possible. This is because of their exorbitant interest rates…

With ever-growing technology in marketing automation, hyper-personalization has quickly become one of the hottest trends in marketing. It’s become more scalable and affordable for marketers, making it more accessible than ever before. But, what many marketers fail to realize is that just because something is more affordable doesn’t make it…

By Matthew San Giuliano on The Capital — No matter where you are in your credit journey there’s always ways to improve; be it an increase in score, greater return on your money from better perks, or in some other fashion. For the past year, I’ve focused on finding every way possible to maximize credit card value while…