Elizabeth Martinez - SmartFinance Guide

Introduction to the Stock Market Investing Basics

Dividend Stocks vs. Growth Stocks: Strategies for U.S. Investors

Overview of Dividend and Growth StocksIn the landscape of U.S. equities, investors often encounter two primary stock categories: dividend stocks and growth stocks. Dividend stocks are shares of companies that…

Elizabeth Martinez July 22, 2025

How to Save Money on Everyday Expenses Saving Strategies

The Subscription Trap: Identifying and Cutting Unnecessary Monthly Expenses

1. Understanding the Subscription TrapIn today’s digital landscape, it’s never been easier to subscribe to a service or product. With just a few clicks, you can unlock music streaming, video…

Elizabeth Martinez July 21, 2025

Family Budgeting Tips Financial Planning for Families

Preparing for College Expenses: Family Budgeting Strategies for Future Tuition and Fees

Understanding the Total Cost of CollegeWhen families start preparing for college expenses, it’s crucial to grasp the full scope of costs associated with higher education in the United States. While…

Elizabeth Martinez July 14, 2025

Cash vs. Card Spending Habits Budgeting and Money Management

Emergency Funds: Should You Keep Cash on Hand or Rely on Cards?

Understanding Emergency FundsEmergency funds are a critical component of financial planning for American households. At their core, emergency funds are savings set aside specifically to cover unexpected expenses or financial…

Elizabeth Martinez July 14, 2025

Safe Withdrawal Rate in Early Retirement Financial Independence and Early Retirement (FIRE)

Adjusting Safe Withdrawal Rates for Geographic Arbitrage Within the United States

1. Introduction to Safe Withdrawal RatesWhen planning for retirement in the United States, one of the most fundamental concepts is the safe withdrawal rate (SWR). This metric helps individuals determine…

Elizabeth Martinez July 11, 2025

Tax Deductions and Credits You Might Be Missing Taxes and Tax Planning

Tax Breaks for the Self-Employed: Beyond the Home Office Deduction

Understanding Self-Employment Tax BasicsIf you’re self-employed in the United States, understanding your tax responsibilities is critical for both compliance and saving money. Unlike traditional employees, the self-employed are responsible for…

Elizabeth Martinez July 10, 2025

Catch-Up Contributions for Late Starters Retirement Planning

Catch-Up Contributions for Solo 401(k)s and Self-Employed Americans

Understanding Catch-Up ContributionsAs retirement draws closer, maximizing your savings becomes increasingly important, especially for self-employed Americans and those utilizing Solo 401(k) plans. Catch-up contributions are a valuable tool designed specifically…

Elizabeth Martinez July 10, 2025

Tracking Expenses Effectively Budgeting and Money Management

How to Set Up a Customizable Expense Tracker Using Excel or Google Sheets

Introduction to Expense TrackingIn the United States, managing your finances effectively is a crucial life skill, whether you’re a college student juggling tuition and rent or a professional planning for…

Elizabeth Martinez July 8, 2025

College Savings (529 Plans, Custodial Accounts) Financial Planning for Families

Step-by-Step Roadmap: Opening and Managing a 529 College Savings Plan for Your Child

1. Understanding the Basics of a 529 PlanIf you’re looking to give your child a head start on college savings, understanding the fundamentals of a 529 plan is crucial. A…

Elizabeth Martinez July 3, 2025