SmartFinance Guide

Combining Finances as a Couple Financial Planning for Families

Prenuptial Agreements Explained: Protecting Each Partner’s Assets

What Is a Prenuptial Agreement?In the United States, a prenuptial agreement—commonly called a "prenup"—is a legal contract that couples enter into before getting married. This document outlines how assets, debts,…

Oliver Anderson July 9, 2025

Traditional vs. Roth IRA Retirement Planning

Traditional or Roth for Self-Employed Americans: Choosing the Right IRA for Your Business

Understanding IRAs: The Basics for the Self-EmployedIf you’re self-employed in America, planning for retirement might feel like a solo journey. Without an employer-sponsored 401(k), it’s up to you to build…

Layla Johnson July 9, 2025

Social Security Benefits Explained Retirement Planning

The Impact of Spousal and Survivor Benefits on Social Security Planning

Understanding Spousal and Survivor BenefitsWhen planning for retirement, it’s essential to understand how spousal and survivor benefits fit into the Social Security system. These benefits are designed to provide financial…

Mason Moore July 8, 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

Extreme Frugality Techniques Financial Independence and Early Retirement (FIRE)

The No-Spend Challenge: How One Month Can Change Your Financial Trajectory

Introduction: Why Try a No-Spend Challenge?Imagine hitting pause on your spending habits for just one month—no online shopping sprees, no impromptu coffee runs, no “treat yourself” dinners out. That’s the…

Layla Johnson July 8, 2025

Estimated Taxes for the Self-Employed Taxes and Tax Planning

How to Track Income and Expenses for Accurate Estimated Tax Payments

Understanding Estimated Taxes in the U.S.Estimated taxes are periodic payments made to the Internal Revenue Service (IRS) on income that isn’t subject to withholding, such as earnings from self-employment, side…

Harper Rodriguez July 6, 2025

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

Green Tax Breaks: Credits and Deductions for Energy-Efficient Homes

Introduction to Green Tax BreaksMaking energy-efficient upgrades to your home isn’t just great for the environment—it can also offer significant financial rewards thanks to a range of green tax breaks…

Harper Rodriguez July 6, 2025

How to Start Investing with Little Money Investing Basics

401(k)s, IRAs, and Roth IRAs: Retirement Investing for Beginners with Small Budgets

1. Understanding the Basics: What is a 401(k), IRA, and Roth IRA?If youre just starting to think about retirement, you might be confused by all the different account options out…

Oliver Anderson July 5, 2025

How to Start Investing with Little Money Investing Basics

Reviewing Top Online Brokerages for First-Time Investors in the U.S.

Introduction: Navigating Your First Steps in InvestingIn recent years, the U.S. investing landscape has transformed dramatically. Gone are the days when you needed a hefty sum and a personal stockbroker…

Layla Johnson July 4, 2025

Prenuptial Agreements Explained: Protecting Each Partner’s Assets

Traditional or Roth for Self-Employed Americans: Choosing the Right IRA for Your Business

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

The No-Spend Challenge: How One Month Can Change Your Financial Trajectory

How to Track Income and Expenses for Accurate Estimated Tax Payments

Green Tax Breaks: Credits and Deductions for Energy-Efficient Homes

401(k)s, IRAs, and Roth IRAs: Retirement Investing for Beginners with Small Budgets

Reviewing Top Online Brokerages for First-Time Investors in the U.S.

Managing Risk When Saving for Short-Term vs. Long-Term Objectives

Engaging Financial Advisors and Attorneys: Professional Guidance for Prenuptial Planning

Estate Planning Before Marriage: Securing Family Wealth and Inheritance Rights

Refinancing an FHA or USDA Loan: Benefits, Drawbacks, and Eligibility Criteria