financial planning
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How to Enjoy the Holidays Without Overspending
The holidays can be expensive, but with realistic planning and mindful decisions, you can enjoy the season without damaging your financial health.
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Why Your First Job Matters
New Research Reveals the Lasting Impact of Your First Job A new study from Columbia University and the National Bureau of Economic Research reveals that your first job after college plays a bigger role in shaping your long-term income than your choice of major. The research found that the quality and timing of that first…
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Saving $5 a Day Adds Up
Saving $5 a day in a high-yield savings account could grow to nearly $21,000 in 10 years. Here’s how compound interest makes your money work for you.
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Practical Steps to Reach $1 Million
For most people, hitting a net worth of $1 million isn’t about luck or inheritance—it’s about planning, smart financial habits, and consistency over time. Here’s how to build toward this milestone.
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Inflation and Investing: Smart Strategies
With grocery bills rising and inflation running hotter than the Federal Reserve’s target, many households are asking how to protect their savings.
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Fed Rate Cut: What It Means for Your Savings
The Federal Reserve cut its benchmark rate by a quarter point this week—its first reduction of 2025 after holding rates steady for five straight meetings.
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Colleges Can Limit Student Loans by Major
Starting July 1, 2026, colleges will gain expanded authority to restrict how much students can borrow in federal loans — and the rules could vary depending on a student’s major.
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ABLE Account Updates in the 2025 Tax Bill
Congress is moving forward with a new tax bill packed with big updates—and ABLE accounts are on the menu of items being effected by these updates.
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Introduction to Investing is Live—And We Want Your Feedback! ????
A Message from Penny Forward Founder and CEO, Chris Peterson Hey there, Penny Forward family! I’m absolutely thrilled to share some big news: our brand-new course, Introduction to Investing, is officially in beta and ready for our monthly and yearly members to dive into. This has been one of the most-asked-for courses in our community,…
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Black Friday, Budgets, and Bright Ideas for the Holidays
This week, the holiday season officially kicks off with Black Friday sales! Your inbox is likely overflowing with deals for things you need, things you want, and let’s be honest—things you didn’t even know you wanted until the word “SALE” popped up. It’s exciting, right? But before we dive into our carts (online or otherwise),…