Educate & Motivate

Strategies, teachings, and tips & tricks for anyone to reference as you’re clambering along this crazy thing we call “adulthood.”

Heather Mroczenski Heather Mroczenski

How to Change Disruptive Money Habits

You know those spending habits you have that you wish you didn’t? How often you regret swiping your card after those first couple days of dopamine wear off? Let’s look at how psychology can help with that …

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Heather Mroczenski Heather Mroczenski

Enjoying the Holidays without Breaking the Bank

The holidays are right around the corner and with them… the season of overspending and holiday debt. Contrary to popular belief, though, there actually IS a way to maintain your financial health …

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Heather Mroczenski Heather Mroczenski

Marry the House, Date the Rate

Interest rates are higher than ever and it seems dumber than ever to buy a house. But is it? My conclusion might surprise you…

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Heather Mroczenski Heather Mroczenski

How to Keep Money in your Pocket through Charitable Donations

It’s the season of giving! Did you know your charitable donations can decrease your total taxable income, meaning you’ll pay less in taxes or get more in your tax return? Here’s just about everything you need to know about using charity to your financial benefit.

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Heather Mroczenski Heather Mroczenski

Calculating Your Retirement Needs

Today we’re talking about retirement and figuring out how much you'll actually need to retire comfortably. Retirement might seem like a distant horizon, but the sooner you crunch the numbers, the smoother your sail into those golden years will be.

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Heather Mroczenski Heather Mroczenski

Understanding Tax Brackets

Understanding how progressive taxation and tax brackets work isn't just academic; it impacts your real-world finances. Knowing your tax bracket can help you make informed decisions, like how much to withhold from your paycheck, or how to strategically plan deductions and credits.

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Heather Mroczenski Heather Mroczenski

Deferred Interest vs. 0% APR

Those credit cards with 12-18 month intro rates… what does it all mean? Are you stepping on a landmine? What’s the difference between 0% APR intro rate and deferred interest? Let’s dive in…

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Heather Mroczenski Heather Mroczenski

Saving For Your Kids’ Future

Saving for your kids' future is a crucial step in providing them with a strong foundation. Let’s take a few minutes and explore different investment and savings strategies to help you pave the way for your children's financial success.

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Heather Mroczenski Heather Mroczenski

Staying Afloat Through Divorce

Divorce is already an incredibly emotionally taxing event, without adding on all the stress of finances and establishing your independence. Don’t wait until it’s over to start making moves financially. Get started ASAP so that you can get back on your feet.

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Heather Mroczenski Heather Mroczenski

The R Word

In an uncertain economic climate, it’s essential to be prepared for potential financial downturns such as a recession. Today we’ll chat about how you can make your finances just a *little* more recession-proof.

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Heather Mroczenski Heather Mroczenski

How to Start a Budget

Wanting to start budgeting but not sure how? You’re in the right place. Let’s chat about 4 different budgeting methods that you may want to start with…

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Heather Mroczenski Heather Mroczenski

The Paradox of Wealth

Acquiring money requires taking risks, being optimistic, and embracing opportunities, but maintaining and growing wealth requires humility, acknowledging the role of luck, and being frugal.

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Heather Mroczenski Heather Mroczenski

Revenge Spending and Inflation

Inflation sucks. And there isn’t really much we can do about it personally. But we CAN make sure it doesn’t bite us in the a$$.

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Heather Stevens Heather Stevens

Invest or Pay Off Debts?

Making the decision to invest your money or pay off your debts can seem like a catch-22… but I promise it’s easier than you think. Let’s take a look at the most important aspect to this decision.

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Heather Stevens Heather Stevens

Spread Kindness with Finances

I’m all about a good budgeting spreadsheet and investing strategy, but nothing makes me feel better than using my finances to help others in need.

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Start your journey

Ready to tackle your finances and finally get rid of that pit in your stomach that comes up anytime money is mentioned?