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Healthcare is one of the biggest financial stressors facing American families today. As someone who spends his days helping couples manage money and the home as a team, I hear the same concern repeatedly: How can we plan for our future when we have no idea what healthcare will cost? That question came up recently during a conversation on the Modern Husbands Podcast with Dr. Jordan Grumet, author of The Healthcare Heist. Dr. Grumet is a physician who achieved financial indepe

What are the scenarios you consider when planning how to protect your family? Most of my buddies bring up catastrophes that are far less likely than the accidents they're failing to protect their family against. And that was the motivation behind this post. The greatest risks to our loved ones are ordinary. According to the Centers for Disease Control and Prevention (CDC), unintentional injuries continue to be a leading cause of death and disability in the United States. Fall

Scams have always relied on deception. Artificial intelligence is making that deception much harder to recognize. That’s why I sat down with Andy Murphy, the founder of The Secure Dad®, to discuss how to protect yourself and your family. Data breaches are also surging. CNBC reported 1,803 data compromises in the United States during the first half of 2026, up from 1,732 during the same period in 2025, resulting in more than 471 million victim notices. Even more concerning, on

Imagine applying for a mortgage, auto loan, or credit card only to discover that a mistake on your credit report could stand in the way of obtaining your loan, or cost you thousands of additional dollars. Maybe an account that isn't yours appears on your report. Maybe a lender incorrectly reports a missed payment. Maybe you're a victim of identity theft and don't even know it yet. For many consumers, the Consumer Financial Protection Bureau (CFPB) has been the only entity tha

In July of 2025, I bought tickets on StubHub for my son and me to attend a World Cup game in L.A. to support the U.S. men’s national team. Watching our men’s national team is a dream we've pursued to relive since he was seven years old (pictured above). ​ The purchase went through, but the tickets never arrived. ​ Just days before the game, I received an email from StubHub stating, “There's an issue delivering your tickets, but our FanProtect Guarantee has you covered. Replac

I learned this lesson the hard way, standing in a hotel lobby with three exhausted kids while my wife searched every pocket of our backpack for the credit card we thought we'd packed. My phone was at 3%, the hotel Wi-Fi was unreliable, and neither of us could remember who had moved the card after booking the flights. What should have been the relaxing start to our vacation turned into twenty minutes of stress, frustration, and an argument. Lesson learned. We now use simple sy

TrumpRx launched with a promise to lower prescription drug prices for Americans paying out of pocket. To test that claim, I used the ChatGPT deep research tool to generate a side by side price comparison of every drug listed on the TrumpRx website and matched those prices against the lowest available GoodRx cash prices. If you’re looking for political spin here, you won’t find it. The process and result is straightforward. Some drugs are cheaper on TrumpRx. Others are cheape

These days, protecting your family’s financial future isn’t just about paying bills on time or budgeting well. It also means protecting your identity and personal data, as a shared household responsibility. That’s because even the most sensitive information isn’t as secure as you might think. According to a new Washington Post report , the U.S. government recently admitted that a unit known as DOGE accessed and shared Social Security data without proper authorization, raising

Winter storms have a way of exposing the cracks in how a household operates because many families rely on assumptions instead of plans. Someone thinks the other person checked the forecast. Someone assumes the pantry is stocked. Someone expects work, school, and childcare to “figure themselves out.” When the snow starts falling, those assumptions turn into stress. The couples who handle winter storms best are not tougher or more prepared. They are clearer about roles, expecta

Table of Contents How health insurance works How health insurance deductibles work How health insurance premiums are calculated The tax implications of health insurance Health insurance claims Health Savings Accounts (HSA) Why health insurance is the worst household chore to manage How marriage impacts health insurance Tricks to reduce health insurance costs How to keep health insurance paperwork organized How Health Insurance Works Health insurance is a type of ins

Why Social Media Financial Advice Is Showing Up in More Marriages A reel pops up in your feed promising a smarter way to invest, eliminate debt, or retire early. One partner sends it to the other with a quick “What do you think?” The advice sounds confident. The creator looks successful. And the solution seems simple. This moment plays out in countless households every day. And while social media has made financial conversations more accessible, it has also made financial mis

Table of Contents What is a Health Savings Account (HSA) What is a Flexible Spending Account (FSA)? What are the key differences between an FSA vs. HSA? Can you have an HSA and FSA? HSA vs. FSA: Which is better for married couples? What is a Health Savings Account (HSA)? A Health Savings Account allows you to set aside money on a pre-tax basis to pay for qualified medical expenses. This top-line tax deduction is not subject to taxes, including FICA (Medicare and Social Securi

For most families, the systems that protect us from fraud, predatory lenders, identity thieves, and abusive corporations operate quietly in the background. We rarely think about how many guardrails exist between our household finances and the larger forces that can destabilize them. These protections work like airbags in a car. They are rarely visible, but in a crisis, they are the only thing cushioning us from disaster. Over the past several months, however, those airbags ha

Health insurance premiums are skyrocketing across the country, and couples everywhere are feeling the pinch. Choosing a plan is no longer as simple as picking the lowest monthly premium or sticking with whatever you had last year. The stakes are higher now. Nearly everyone’s premiums are skyrocketing in 2026. Hope and I just selected our employer sponsored plan. The premiums increased by 19%. For those who purchase insurance on the marketplace (ACA / ObamaCare), your premiums

The Secure Dad realizes the profound impact and cost of a home burglary. The company I founded works to help parents understand the everyday needs to live a safer, happier life. If families don’t feel safe at home, then they can’t really be happy. Together we’ll look at the financial and emotional toll associated with burglaries, plus tips to help mitigate this risk for your family. The Financial Loss of a Burglary According to the FBI, the average burglary cost people an ave

When Americans get sick, they shouldn’t have to fear financial ruin. But under recent Trump administration actions, the safety nets that once protected families from medical debt and skyrocketing insurance costs are being dismantled, placing millions of working- and middle-class Americans at risk. A One-Two Punch: Rising Premiums and Vanishing Subsidies In 2026, the cost of Affordable Care Act (ACA) marketplace insurance plans is set to surge by 26% on average , according to

Table of contents Understand Your Coverage Needs Evaluate your needs and preferences Factors influencing the cost of your coverage needs...

It happened when I was eight years old. I was sick, so I stayed home from school and spent the day with my grandparents. My mother brought my five-year-old brother and came over to pick me up at 4:00. She decided we should remain for dinner because it began raining. I was pleased that I could keep watching one of my favorite television programs. While I was watching TV from the recliner, my five-year-old brother was peering out the window to observe the storm. Mom entered to

Table of contents Phishing scams Ponzi schemes Investment fraud Identity theft Advance fee scams Credit repair scams Charity scams Work-from-home scams Timeshare scams Can you spot the scam? Financial scams come in various forms and can be challenging to detect. With so many kinds of scams that seem to always be changing, it can be tough to determine where to report each type. Gather emails, receipts, and phone numbers so you’re prepared to complete your report. Visit the USA

If you’re a parent, few responsibilities weigh heavier than protecting your child’s future. But what happens if you’re no longer around...