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Buying a new car, use the 20/4/10 rule

What Is the 20/4/10 Rule of Car Buying?

January 29, 2023October 5, 2022 by Professor B.T. Effer

Buying a new car is one your biggest financial decisions. The 20/4/10 rule states you put 20% down, on a max 4 year loan and 10% of your monthly budget…

Categories Cars
5 Pillars of Personal Finance: Income, Savings, Spending, Investing, and Protection

The Five Pillars of Personal Finance

January 29, 2023October 1, 2022 by Professor B.T. Effer

Personal Finance is made up of 5 foundational pillars: Income, Spending, Savings, Investing, and Protection. What do each of these …

Categories Personal Finance
Credit Factors in the FICO credit score and their weights

How To Read & Understand Your Credit Score

January 29, 2023September 30, 2022 by Professor B.T. Effer

Your credit score can save you thousands in costs over your life. But what is your credit score? How is it calculated? And most important…

Categories Credit Score
Personal Finance will help you get rid of your debt and grow your wealth

What Is Personal Finance?

January 29, 2023September 28, 2022 by Professor B.T. Effer

Personal Finance is all the decisions that go into managing your money, paying off debt, growing wealth through saving & investing, and …

Categories Personal Finance
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