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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 se

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 av

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...

Table of contents Phishing scams Ponzi schemes Investment fraud Identity theft Advance fee scams Credit repair scams Charity scams ...

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

Life insurance is vital in securing your family's financial future, especially for younger and middle-aged married couples. Knowing the...

In an   unfolding story  that highlights the complex interplay between technology, governance, and consumer rights, the Federal Trade...

The purpose of this post is to share the consumer protection laws that you and your spouse should be aware of, and how they protect you...

I was eight years old when it happened. I missed school because I was sick and spent the day at my grandparents' house. Mom came over...

Our most fundamental consumer rights are under attack by the new administration. The Consumer Financial Protection Bureau work has been...

CFPB was ordered to stop doing their work on February 9th by Treasury Secretary  (and acting CFPB Director) Scott Bessent, followed by...

I served a full one-year term as a Visiting Scholar at the   Consumer Financial Protection Bureau  (CFPB) and know firsthand the bureau's...

Welcome to our 17-question true and false fraud prevention quiz. This quiz is designed to test your knowledge of common fraud tactics and...

Our eyes were glued to the television. My wife and I were watching the stock market in free fall. One in four homeowners owed more on...