How To Sharpen Your Skills For Free

After I graduated I was looking for a way to keep some of the skills I learned in college sharp and maybe even add some new ones to my tool belt.  There are countless websites out there that will charge you a lot of money for a product you know little about.  For example, one of my clubs in college offered DataCamp for free to dues paying members. DataCamp is a premier resource for learning programming with data science applications in a web environment.  It was a great tool and a great product, but I could not justify paying $30/month for it.

So I tried out a website called edx.com, it is a non profit run by universities offering college level courses many of which are free.  The most popular subjects offered are Computer Science, Language, Data & Statistics, Business & Management, Engineering, and Humanities, but don’t be fooled there are tons more course offerings.  Courses are either self paced or instructor led and provide a sample syllabus outlining lesson plans, software packages, and how much time is recommended to be devoted to the course per week.  In addition, they have professional certificate programs although these are paid features.  I am planning to sign up for the Introduction to Python series to refresh my skills and learn the new features of Python 3.

In addition to edX, there is Coursera where I found a great instructor led course on Wind Turbines that I am looking to complete.  Also, there is lynda.com which has partnered with a lot of universities, such as our alma mater Penn State, and libraries to offer similar free courses.

Whether your looking to learn something completely new or just sharpen your skills there is no harm in taking a free course at one of these sites.  They are great resources for almost all popular subjects and will help immensely in your personal development and the best part is that it won’t cost you a dime.

Would You Rather Have Starbucks Or $700?

Choose right now… Starbucks or $700? Not Coffee or $700. Just Starbucks. Choose. Now.

Starbucks is in the news a lot. They are either opening their first store in Milan (highly suggest clicking on that link, the pictures are crazy), having trouble in Philadelphia, or boosting their stock price due to another great quarter. At one point there weren’t enough Starbucks stores in the United States to serve the demand for their coffee, and that was only last summer!

You’re probably saying that’s crazy because if you live in a major city it seems like there are multiple Starbucks on every block. You’d be right.

Now, we’ve seen a lot of the articles about how millennials could have so much more money or even be a millionaire if they cut out all their “trendy” food items such as avocado toast. A certain Australian millionaire even said the reason millennial aren’t millionaires is because of their avocado toast addiction. We saw some articles where the math was done and we even did it ourselves and found the idea a little far fetched. But it did get us thinking. Is there anything about our consumption habits that really do mess with our personal finances?

Absolutely. Besides the fact we rely so heavily on credit cards and think when something is on sale we “saved” money when in reality we really just spent less but our caffeine habits really do damage our personal finances. I’ll be the first one to admit I got Starbucks and Dunkin or whatever coffee was available to me in college almost every day. That was on top of my Keurig or Mr. Coffee (depending on what year I was in college) that I would make most days. Looking back, I wasted so much money on coffee.

I read recently that the average Starbucks order is $2.75 in the US and in NYC it’s $3.75. Most people I know stop for coffee at least once a day, usually on their way to work, every weekday. So 52 weeks in a year means 260 work days, we’ll be liberal here and say you get 15 vacation days you take full advantage of so 245 working days a year. We’ll go even further beyond that and say at least another 15 of those you’re running late and don’t get to stop to get your caffeine fix, now we’re at 230 days a year. Sounds like a lot but it’s pretty common for coffee drinkers to have at least a cup every day, specifically every morning, if not more than that. So some quick math of 230 days x $2.75 for an average order and you get $632.50 a year that you’re wasting on over priced, over roasted coffee.

Now I get it, if you’re addicted to caffeine like I am when you need coffee, you need coffee. Most likely your work has a coffee machine somewhere that you can get for free so let’s discount the entire working day and only focus on your mornings.

I personally bought a Mr. Coffee very similar to this one and use it every single day. The Mr. Coffee shown above costs $35.96 or just around 13 cups of coffee at Starbucks. Now for anyone who is going to say that they don’t have time to wake up and make coffee, I wake up at 4:50am and program this wonderful machine the night before to start making coffee at 4:45am, so not only do I have a fresh cup of coffee right when I wake up, I also get to wake up to the smell of freshly brewed coffee and honestly there’s nothing better than that.

I don’t even buy filters, my Mr. Coffee like the one I referenced above comes with permanent reusable filter that I just rinse out every night and put right back in. And you can pick something up like this Byron Stainless Steel Travel Mug for less than $10 and now you’re in business. Total outlay so far: $45.96 or less than 17 cups of coffee at Starbucks.

The last thing you’re going to need is coffee and this is where the real savings kicks in. You can do what I do and drink Maxwell House Original Blend Ground Coffee which sells on Amazon for $6.93. There is 240 6 fluid ounce cups in this thing! Conveniently happens to be just around the amount of cups we estimated the average person to need to go to work. That’s so much coffee. That’s less than 3 cents per cup of coffee! If you want to follow the famous Shark Tank Invest Kevin O’Leary you can take your $2.72 in savings and invest them.

Adding all this up that’s around $53 a year for your coffee addiction in the first year and it only goes down from there. Drink more than one cup a day at home? Raise your cost by $10 to $20 depending on what type of coffee you choose to order.

Some of you are going to say that all of this isn’t worth it. The daily expense is minimal on a daily basis and you don’t notice the overall sum you spend. I get it. Like I said before I have been there. But once I realized what was happening and how much I was spending my habits completely changed. The small daily expenses truly add up and turn into major expenditures. Don’t let this happen.

Take that extra $700 or more every year and invest that money or put it into your savings account and let that money grow. You’ll still be having your coffee fix every day, but you’ll be getting it in a way that allows you to minimize your expenses and optimizes your savings.

Make sure to subscribe on our website for all the latest personal finance and investing news and advice and follow us on twitter @themodernpiggy2. Have a question about personal finance you’d like answered or have comments or concerns or just want to chat? Email us at founders@themodernpiggybank.com

Buy A House Not A Home

If you are like me, home ownership is probably a long ways away.  However, I recently read a white paper called “The Rate of Return on Everything, 1870-2015” published by the Federal Reserve Bank of San Francisco.  Theres a lot of good facts and data in there and I strongly encourage you to read it (or skim it like a certain Modern Piggy Bank Founder did… looking at you Will).  But if reading 123 pages of economic data and commentary isn’t your cup of tea I’ll spare you the burden and tell you what I found most interesting.

The paper looks at major asset classes over the time period 1870-2015 most notably bills, bonds, equities, and housing and analyzes their return statistics.  Believe it or not housing was on par with equities with average return of 7% a year.  In the post World War II era, equities have taken a marginal lead, but the investor has also needed to take on more volatility and is subject to the ups and downs of the business cycle.  Where as the housing market has been much steadier over time.  Additionally, housing does not correlate heavily to the global markets i.e. a bear market is less likely to have a significant adverse affect on housing prices.

Now home ownership has been seen as a rite of passage in America and a sign that someone is financially well off.  Unfortunately, situations like the 2008 financial crisis show how a house can sometimes not be a wise investment especially your primary residence.  I’m currently looking to apply for my first credit card which I will talk about in a later post, but I find it concerning how the Federal Government insured home loans leading up to 2008 and will loan teenagers with no grasp of the concept of credit hundreds of thousands of dollars to achieve higher education because it’s a “good investment” while private credit institutions want new credit card owners to have $200 spending limits.  Anyways, I digress.

Back on track.  You will always need a dwelling, it will always be an expense.  I will even go on to make a controversial claim that a mortgage on your primary residence is nothing more than an expense.  If you weren’t paying it down every month you would be living in an apartment paying rent.  When you go to upgrade homes you will now have a higher monthly expense with the total offset by the profits on your past home sale.  Furthermore, theres property taxes, utilities, home improvement/maintenance, etc.  Your primary residence will probably not produce a dollar of cash flow.

Enter the rental home market.  Instead of adding to your expense column you can invest your money into a home for tenants.  Sites like airbnb have made this incredibly easy for vacation spots.  Some people even rent guest rooms in their own homes to offset their housing costs.  For me, it makes sense to invest in an asset that tends to increase in value over time, although this is not always the case, while I can put it to work and pay off its expenses and maybe even a little extra.  To take it a step further the white paper previously mentioned suggests that the lower volatility will protect my downside in case things go wrong as opposed to the equity markets which are heavily correlated across the globe.

If you can fit it into your budget and are willing to do the due diligence consider investing in a rental property.  I mean not to discourage you from home ownership because it is something incredibly rewarding that I look forward to one day.  I mean to challenge your thinking so you can minimize your expenses and optimize your savings.

Whether you like what I said or hated it feel free to reach out at founders@themodernpiggybank.com and follow us on twitter @themodernpiggy2.

Trade Like A Quant

Sometimes dubbed the rocket scientists of Wall Street the meaning of quantitative analysts often takes on a broad meaning.  Quant is a fairly broad term honestly, but roughly means someone who takes an extremely mathematical approach to the markets.  While some quants use Einstein level math there are some practical lessons you can take away to use in your own portfolio.

More than anything quantitative analysts apply a rigid rules based approach to the markets.  They have specific buy and sell signals that they adhere to religiously and consistently.  This is where their great returns come from(if their algorithms are correct).  While some get blamed for things like the flash crash where the DOW dropped 9% in minutes it would be wrong to say that it was the strangest thing to ever happen in market history.  A signal for a quant could be something as simple as the 200 day moving average or as complex as analyzing S&P 500 futures contracts volume and expiration and placing an order nanoseconds before the futures expire and pocketing the spread, which is the high frequency trading world.

So how can you apply this? Well a buy and hold strategy sounds great in theory, but its harder to stick to in practice.  Sure its easy to say when the market has not had a down year since 2008, but it would have been really hard to hold onto your portfolio is 2008 when the US equity market shed about 40%.  If you haven’t experienced a massive drawdown like that imagine draining half of your savings.

So if you are someone who can’t weather massive drawdowns, and we don’t blame you if that is the case, consider taking a rules based approach.  It is great to have an investment plan that you can stick to and might even help you sleep better at night.  Here is a simple rule to get you to start thinking about what you might want to do:

Apply a short, medium, and long term moving average to your portfolio.  When conducting your rebalancing, best done once a year for tax benefits, tilt most towards the assets in upward trend above the moving averages, more towards the one that are not trending as strongly above one or two of the moving averages, and least towards those in a downtrend under the moving averages.

Note: This can be considered a trend following approach and is a popular investment style that may or may not suit you.  Over time strategies go in an out of favor so its often wise to pick a strategy that you understand and believe in and stick with it over the long term.

Building wealth takes strong discipline and taking your emotions out of investing by applying rules to a strategy that works can often help mitigate bad decisions.

Don’t Let Trading Fees Eat Your Profits Away

stacked round gold-colored coins on white surface

There’s no point to keeping extra expenses in your life, it just weighs you down in the end. Like we said before, a dollar saved is a dollar earned. Get rid of cable and pay for streaming services of what you watch, get a credit card tailored to your most popular purchase category, cook more, etc. There’s a lot that can be done. Your portfolio is a steak, do you want a fatty piece or a lean piece that will marble when its cooked and not char? In today’s day in age, when you’re managing your investments, the same thing can be done.

Traditionally, there were very high broker and platform fees. You’d even pay commissions if you were placing orders for stocks over the phone or online. Fees have gotten lower for discount online brokerages where now instead of commission, platform fees, or managing fees, you’re paying per trade. Sometimes as little as $5 per trade. And while this seems cheap, for most people starting out these trading fees can really add up and significantly decrease your invested capital.

Younger investors in their 20’s and 30’s have flocked to Robinhood which uses Apex Clearing Corp. as their clearing house because it charges $0 in fees overall. It doesn’t offer all the bells and whistles like other online brokerages such as extended trading hours or research but you can upgrade to premarket and after market hours for a minimal sum. You even have the ability to leverage your capital up to 3x which is a nice feature for more experienced investors and people looking to amplify their returns. Quick disclaimer: Leverage trading is highly risky and we do not recommend it.

So now you have an online brokerage that you hooked your bank account to for free. But businesses need to make money and now you’re probably wondering how they make theirs. To keep it simple, they invest your uninvested capital. Don’t worry, your capital is still yours to invest as you wish whenever you wish. It’s also been rumored that they also sell your order flow and trading information to High Frequency Trading firms (HFTs or firms that trade using algorithms). If these rumors are true, they sell this information for a higher premium than your traditional brokers. This shouldn’t change your investing habits unless you are trading large blocks of shares at once.

For us at The Modern Piggy Bank, we use Robinhood for our discretionary accounts and allocate only a fixed percentage towards it after allocating into our other investment accounts like a Roth IRA and 401k’s using more traditional platforms like Fidelity which recently just announced that that they were offering zero fee ETF’s from Ishares in what will be direct competition to Robinhood.

Just know your cost of investing is less than what your father paid, and less than his father. You don’t have the excuse of having hidden costs or that you’re paying fees for x,y, and z. So don’t make excuses when you can make money. We truly do trust Robinhood implicitly when it comes to our money and our accounts. While we would like to see more features added in the future if you see us on our phones, it will most likely be us with the Robinhood app open checking our portfolios.

The Questions You Should Be Asking About Your 401k

If you are a young professional like us you probably never put much thought into a 401k plan.  Sure you figured it was part of a good job offer, but now that its finally here you are not sure if you are getting the best deal.  I recently went through the process of setting one up and I will share with you what I learned.

First, what is a 401k?

A 401k is a retirement plan offered by employers.  It works by deducting a portion of your pretax earnings into an investment account, usually a mutual fund or target date fund, of your choice.  More often than not employers choose to match a certain portion of your contributions into the plan.  And while your investments grow you do not have to pay any taxes on them.

When you reach 59 1/2 you are free to withdraw your money without incurring any penalties or fees.

Now for the questions I asked before setting up my account.

What is the employer match?

I surveyed a few friends and I found employers will usually match about 3-6% per paycheck and sometimes ofter an increased rate the longer you stay with the company.  This is rare but if your employer is not matching your contributions I would not even bother.  It takes minutes to set up an IRA at any brokerage which works very similar to a 401k and probably has more options as to where you can park your money.

How long does it take to become fully vested?

This is important as it will tell you when your employer match is received.  I do not plan to leave my company anytime soon, but things happen and you want to know what happens if you do choose to leave.  If you choose to leave before you are fully vested your employer can choose to withhold the money owed to you which can result in a significantly reduced account value.

What are my investment options?

So say you have the job, you are making money, and putting away $200 a month ($400) with employer match for retirement.  It does not mean anything if you do not have good options to park your money in.  Make sure you have a breadth of funds to decide from and ask about management fees because the last thing you want is a high fee mutual fund that doesn’t do anything.

Side note: if you do not have good options you might want to consider making your 401k a portion of your overall retirement portfolio.  For example, I can almost guarantee that most plans have a S&P 500 index tracking fund.  So you could contribute the minimum amount to get the match and use that for your US equity strategy and set up a global diversified portfolio in an IRA wrapper.

Do you offer a Roth 401k?

I actually enrolled in this myself, essentially its betting that you will be in a higher tax bracket come retirement.  The Roth and traditional differ as to when you pay your taxes.  In traditional, like we discussed, you contribute pre tax and defer your taxes to retirement.  Withdrawals are taxed as regular income.  The problem is that a young 20 something year old professional is going to be in a lower tax bracket than a 55 year old executive.  Its like having the money you contributed when you were in a 15% tax bracket is now being withdrawn at 25-30% tax bracket (these are just ballpark numbers to illustrate the point).

The Roth allows you to contribute post tax paycheck money to your 401k and you can withdraw that money tax free in retirement.  In my opinion this is the superior option.  Make a little less today when you are young and it doesn’t matter and make a lot more when you are old enjoying the fruits of a successful career.

I covered mainly the basics here, but this should give you a good start.  If you have any questions, as I am sure you do, feel free to reach out to us and we’ll be more than happy to provide our two cents. You can reach us at founders@themodernpiggybank.com. Make sure to follow us on twitter @themodernpiggy2 and definitely make sure to subscribe on our website! We’ve got new content coming out every day.

What 3.9% Unemployment Really Means

I feel like every day I read about how the economy is teetering on the edge due to trade wars, tariffs, and soaring equity prices.  While it is true these things have the potential to threaten the economy that doesn’t mean you can’t enjoy the good times while they last.  I guess that kind of news just doesn’t sell well.

Now, I am not saying to spend your raise or bonus lavishly.  I am not telling you to go all in on stocks, in fact I would advise against that.  I am simply talking about how now is the time opportunity knocks.  The labor market is stretched really thin right now while people are lining their pockets with cash.  Don’t have a job? Apply.  Want to change industries? Do it.  Want to launch that business or super successful personal finance and investing blog?  There is no better time to do it than right now.   (oh wait thats us)

From my personal experience, during my job search a lot of opportunities were presented to me that probably would not have if firms were not scrambling for talent.  Additionally, during the interview process multiple hiring managers from some of America’s most competitive firms told me its a job seekers market, meaning the supply of jobs is outpacing demand, and to be aggressive when negotiating an offer.  Seniors in college especially apply for that job you don’t think you’re qualified for!

Further evidencing this claim is the Bureau of Labor Statistics Employment Situation report published each month.  You’ll notice over the past year unemployment has steadily declined and seems to have leveled off around 3.9-4.1% range.  Firms are simply running out of talent to recruit.

source: tradingeconomics.com

If you want to learn more about what sectors are benefiting the most and the BLS outlook for unemployment you can access them at BLS.gov in the news release section.  You can find last months (August 2018) here.

I urge you to take the leap now that times are good instead of waiting and regretting what could have been.

Take Advantage of Apple’s Student Sale

I was recently in the market for a new MacBook because my college laptop finally died on me.  While I was thankful that it died after I graduated navigating the laptop market can be intimidating and spending a lot of money on a product that may not be of high quality can be quite discouraging.  I am here to tell you about the great deal I got from Apple.

I love Apple products.  I find them very user friendly and capable of quite a lot.  Their OS is linux based and the Python programming language comes preinstalled on all laptops.  In fact, my advanced programming professor in college swore by his MacBook for all his personal computing needs.

I was originally turned off by the price tag this time around, but a quick talk with a genius in one of their stores brought me right back. Since I graduated college I do not need to run larger engineering programs anymore so I opted for the smaller MacBook Air.  It comes standard with 8 GB RAM which is all you should need for personal computing.  For those of you who are wondering what that means you would probably know if you needed any more RAM for your computing needs.

DISCLAIMER: Everyone qualifies for the sale not just students.

Anyways, I got a brand new MacBook Air for $900 total which includes any upgrades and taxes, but the catch is that Apple is throwing in a free pair of Beats with every order.  So I essentially got a $300 pair of headphones for free.  If you’re willing to try your luck at the resale market this means you just scored a brand new Apple laptop for $600 which is inline with even the Microsoft Surface line of products.

In my personal opinion I think Apple makes a superior product.  This presents a unique opportunity to buy a laptop for ~30% below market price in my case.  Also, if you like high quality headphones you get a FREE pair of beats.  If this sounds like something that interests you the sale is going on until 9/25 so act fast.

Take Advantage Of Your Local Public Library Now

I’ll admit I have not been to a local library in years, but recently there was some work I needed to get done and it was the quietest place I could find to be productive.  The library system has changed so much over the years I was quite amazed.  In the old days it was just rows of books and a reading area which consisted of some inexpensive tables and chairs.  Now they have added to the library with state of the art computers, a collaborative work area, private study rooms, and even a makerspace with a new 3D printer.

Now you’re probably wondering what does this have to do with my personal finances and let me tell you it has everything to do with it.  I recently found that my local library has so many resources to help you succeed, I’ll name a few so you get the idea.

  • Personal finance and tax preparation course
  • Entrepreneur resources
  • MakerSpace
  • Access to business databases including Morningstar Investment Research
  • Guest speakers
  • Software courses like Microsoft Excel
  • And many more resources to help you sharpen your skills

Morningstar Investment Research costs $200 per year and a good 3D printer can run you into the thousands of dollars.  Additionally, if you live near a big city’s library you will have even more at your disposal.  To give you an idea I looked at the New York and Boston Public library system website and found that their members get access to things like private job boards and a Bloomberg terminal.  If you’re not familiar with the Bloomberg Terminal let me explain how big of a deal it is.  You’re standard Terminal will run you $24,000 per year and is the most expensive among financial data providers.  Its capabilities are seemingly endless.  You can track down financial professionals, download excel models of your favorite stocks, look up any economic indicator, and even have access to private job boards.  One day in college my friend was teaching me how to use it and he pulled up a map of every oil pipeline in America.  Its an amazing resource to have at your disposal if you are interested in serious investing.

If you are a human I strongly believe you can better yourself by taking full advantage of resources at your local library.  It is so much more than just access to books nowadays.  Whether you are an entrepreneur, investor, inventor, or just a regular person looking to better their finances or learn a new skill it is worth checking out your local library.

Starting The Dreaded Student Loan Journey

Paying down your student loans? Yeah, us too.

College? Awesome. Student loans? Absolutely not.

I have student loans. And I hate student loans. I hate paying them every month and only watching the principal balance drop minutely. It’s a problem a lot of people have and one that is not going to be fixed anytime soon. What we’re here to discuss is how you, as a Modern Piggy Bank reader, can pay them down as quickly and as painlessly as possible. But to really understand student debt and paying them back, we’re first going to dive into some facts about it.

If you read my article on budgets, you’ll notice that I consider student loans a major category and a main part of my overall budget. And yet that’s really not enough. Sure, I make the minimum payment every month but do I really want to be in a mountain of debt forever? Of course not! I, like you, want to be debt free. Did you know according to Forbes and Credit Suisse if you have $10 in your pocket and zero debt you are richer than 15%-25% of Americans respectively.

“If you’ve no debts and have $10 in your pocket you have more wealth than 25% of Americans. More than 25% of Americans have collectively that is.”

That’s actually astonishing. So if I go up to my 18 year old cousin and hand him a $20 bill he is now in the top 75% of American households. Wake up people! Credit is great, debt can be great. Bad debt is not great. Use it wisely.

And education debt is the United States is massive and current trends only show it increasing. According to Forbes which cites MakeLemonade student loan debt in the US has reached $1.5 trillion. If you get a free minute and want to blow your mind look at these pictures to see what $1trillion would look like in cash. Crazy stuff. And we have that and more just in student debt. Forget mortgages, credit cards, car loans, and anything else you can possibly purchase on credit, student loans dwarfs them all.

Don’t go into $100,000 of debt for a $40,000 job. -Some Random NYC subway advertisement

For example purposes, Jeff Bezos (CEO and Founder of Amazon and recently anointed richest man alive) has approximately $150billion. THAT WOULD NOT EVEN MAKE A DENT IN TOTAL US STUDENT LOAN DEBT. Nor would I want Mr. Bezos to waste his money on attempting to eradicate student debt. That would just be stupid.

But let’s face it, student loan debt is a huge issue. And I’m not talking about the overall student loan debt now, I’m talking about your personal student loans that you took out to go to college.

I’ll be honest, I never really thought about my loans until senior year. I would go to school, have a great year, and then just sign whatever the school sent me for my loans and whatever my parents put in front of me. I thought they knew what they were doing. And then senior year I logged onto my account and saw the debt I was truly in.

Sure, I had known about it in the back of my mind that this debt was piling up but it wasn’t real. It was an idea floating on the outskirts of my thoughts. Let me be the first to tell you that it becomes real, real fast.

So now I’m here, staring into what seems like an insurmountable abyss of debt and just trying to figure out how to climb out of the whole that so many Americans find ourselves in. But I have a plan.

I mentioned before that I had a goal to live off one paycheck a month and save/invest the other one entirely. Unfortunately besides building a cash reserve for emergency purposes I don’t plan on saving or investing much beyond some meager contributions to a Roth IRA. And that’s because most of my excess money will be going towards student loans. I want that debt out of my life forever. I want no debt, no credit card debt, no car payments, yes a mortgage but really nothing else besides that. Don’t buy something unless you can afford it is something I truly want to live by.

So how am I getting there? I’m allocating as much as I possibly can a month towards my loans without sacrificing my health, both mental and physical. I’m riding my bike to work so I can save money on gas and put that towards student loans (I highly recommend biking or walking to work if it’s feasible for you since it not only saves money but is healthier as well).

I’m making sure I’m only eating out when it’s truly a special occasion or a time to hang out with friends. Any money left over from my social life budget goes right into loans at the end of the month.

I’m also making payments more frequently than just the once a month timeline that everyone is on. If you get a gift or a bonus in the middle of the month, use it right then to pay down your debt. I know how tempting it is to go out and get the newest and coolest thing or that item you’ve been eyeing for a while but take the temptation away. Get your money and pay your loans right there and then. You can still make your normal payment but you’ll feel so much better about paying twice or more in a month.

Something that never made sense to me was buying name brand food. Now I completely understand buying a brand for certain items, they simply taste 100x better and I won’t blame anyone for choosing the name brand, but if it’s something simple go for the generic brand. This has led me to have excess money in my grocery budget every month and the extra, you guessed it, goes right into student loans.

There are so many plans you can utilize to pay off your student loans. I’ve already started looking at refinancing my loans and consolidating them to simplify my payments. I highly advise you all to do the same. If you need some guidance, feel free to reach out to us in the Contact Us page and we will personally get back to you and help you navigate. Also make sure to share this article so your friends know they aren’t alone and there are strategies to dealing with your student loans.

Remember, student loans isn’t a debt that will disappear for you tomorrow, but follow us and you may just pay them down quicker and be debt free sooner than you ever thought possible.