Nickel's Articles

These articles were written by Nickel, who is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

Dave Ramsey’s Baby Steps

Written by Nickel - 11 Comments

While I’ve been somewhat critical of Dave Ramsey and his “Debt Snowball” in the past, he’s definitely helped an awful lot of people get their finances in order. Thus, I thought that it might be worth spending a bit of time talking about Dave’s “Baby Steps” for getting out of debt and improving your finances. […]

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Published on January 18th, 2017
Modified on January 19th, 2017 - 11 Comments
Filed under: Debt Reduction
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How to Save Money on Life Insurance

Written by Nickel - 16 Comments

Life insurance is an incredibly important financial product. Unfortunately, it’s also relatively costly. With that in mind, I thought I’d put together some tips for saving money when you’re in the market for a life insurance policy. Get healthy Any insurer worth their salt will require a physical as part of the underwriting process. The […]

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Published on January 17th, 2017 - 16 Comments
Filed under: Frugality,Insurance
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Current High-Yield Online Savings Account Rates

Written by Nickel - 156 Comments

I frequently receive e-mails asking my opinion as to which online bank has the best high-yield savings account. I’ve used several online banks over the years for my emergency fund and look to a few factors in selecting a savings account: The interest rate (of course) Minimum deposit requirements Monthly maintenance fees The website and […]

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Published on January 13th, 2017 - 156 Comments
Filed under: Banking,Online,Saving & Investing
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Contribute to Your Roth IRA, Even if it Stretches Your Budget

Written by Nickel - 9 Comments

Your 2016 taxes are due in just over three months. That also means that you have just over three months left to make any 2016 IRA contributions that you might have been putting off. But what if you’ve neglected to contribute to an IRA because you’re not sure you can afford it? Maybe the only […]

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Published on January 10th, 2017 - 9 Comments
Filed under: Retirement,Saving & Investing,Taxes
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Dave Ramsey is Bad at Math

Written by Nickel - 693 Comments

See also: Dave Ramsey is Good at Psychology If you’re familiar with Dave Ramsey, then you’ve no doubt heard of his ‘snowball’ approach to paying down your debt. In short, Ramsey suggests that you make minimum payments on all but the debt with the lowest balance. Any additional money you have goes to that lowest […]

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Published on January 6th, 2017 - 693 Comments
Filed under: Credit Cards,Debt Reduction
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How to Get Out of Debt

Written by Nickel - 36 Comments

On the way home from work the other night, I heard a radio commercial touting a debt reduction system that (supposedly) works like no other. As I drove along, I couldn’t help but chuckle. After all, they made it sound like there’s some sort of silver bullet out there that will magically make your debt […]

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Published on January 5th, 2017
Modified on January 6th, 2017 - 36 Comments
Filed under: Credit Cards,Debt Reduction
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How to Improve Your Gas Mileage (and How Not To)

Written by Nickel - 21 Comments

With gas prices on the rise, I thought I’d highlight an article I found on Consumer Reports about ways to save on gas… and ways not to. Given the results of my latest experiment on improving gas mileage, I can vouch for pretty much all of these. 1. Drive at a moderate speed. Keeping a […]

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Published on December 30th, 2016
Modified on December 31st, 2016 - 21 Comments
Filed under: Automotive,Energy,Frugality
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The Best Places to Invest for Retirement

Written by Nickel - 5 Comments

A reader named KC recently wrote in with a question about investing for retirement: I’m 28 years old with a wife and a six month old baby. We’ve always been money-conscious, but would really like to focus our efforts. We both have Roth IRAs, but are not satisfied with them. They are heavily loaded, and […]

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Published on December 29th, 2016
Modified on December 31st, 2016 - 5 Comments
Filed under: Retirement,Saving & Investing
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11 Great Books About Money That Everybody Should Read

Written by Nickel - 21 Comments

Editor’s Note: This post was originally published in 2007. However, we feel that the books listed here are timeless, and still provide a wealth (pun intended) of information. Each and every one of them on this list is still highly recommended, and many of them still hold the top spots for personal finance best sellers. […]

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Published on December 27th, 2016
Modified on December 31st, 2016 - 21 Comments
Filed under: Best of...,Books,Reviews
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The End of an Era

Written by Nickel - 26 Comments

Nearly eight years ago – on May 1, 2005 – this site went live. In the time since then, we’ve published nearly 3,300 articles. I say “we” because, though I ran this site solo for nearly four years, it eventually became a group effort. In the spring of 2009, I took on my first two […]

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Published on March 29th, 2013
Modified on March 26th, 2013 - 26 Comments
Filed under: About/Admin
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