Posts by: Teri Monroe

by Teri Monroe

6 Debt Avalanche Wins That Outperform the Snowball for Most People Paying off debt requires a strategy. Two popular methods—snowball and avalanche—often spark debate. The snowball foc... read the story

by Teri Monroe

10 Credit Score Myths That Keep You Paying Higher Rates Credit scores influence everything from mortgage rates to insurance premiums. Yet misinformation keeps many borrowers pa... read the story

by Teri Monroe

8 Rental Property Clauses That Blow Up During Evictions Leases are supposed to protect both landlords and tenants. But during eviction proceedings, certain clauses don’t hold... read the story

by Teri Monroe

9 Long-Term-Care Myths That Blow Up Family Budgets Long-term care is one of the biggest financial wild cards in retirement. Nursing homes, assisted living, and in-home car... read the story

by Teri Monroe

10 HSA Power Plays That Cover Real Medical Bills in Retirement Health Savings Accounts (HSAs) are among the most powerful retirement tools. They combine tax-free contributions, growth... read the story

by Teri Monroe

Will IRMAA Push Your Part B Premium Higher Than Your Raise This Year? Medicare premiums aren’t one-size-fits-all. Higher-income retirees pay extra through Income-Related Monthly Adjustment... read the story

by Teri Monroe

8 Medicare Part D Decisions That Change Your Annual Drug Costs Drastically Prescription drug costs remain one of the biggest worries for retirees. Medicare Part D was designed to help, but the pr... read the story

by Teri Monroe

Could Your Social Security Be Smaller Because of a Single Earnings Gap? Social Security benefits are calculated based on your highest 35 years of earnings. That means even one missing year can... read the story

by Teri Monroe

10 Social Security Timing Rules That Change Your Lifetime Payout Social Security isn’t just about claiming benefits—it’s about when and how. Timing rules can increase or shrink yo... read the story

by Teri Monroe

Are You Paying “Phantom Interest” Because You Chose the Wrong Payoff Strategy? Many borrowers don’t realize they may be paying what’s called “phantom interest.” This hidden cost appears when ... read the story