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George Kamel watched a TikToker break down the startup costs for a vending machine side hustle and landed on a number: $3,330.22. His advice was direct: save it in cash, not borrowed or on a credit card. If you cannot save the full amount, you cannot afford the business yet. I've been studying side-hustle economics ... I Want to Start a Vending Machine Business: Should I Really Save $3,330 in Cash First?...

A caller phoned The Clark Howard Podcast on May 11, 2026 with a marital bet on the line. He had an 810 credit score. His wife wanted to help his brother, sitting at 690, by adding him as an authorized user on the couple's largest credit line. The husband worried that if they stumbled on ... Clark Howard Settles Credit Score Debate: How to Help a Family Member Without Risking Your Own...

Caleb Hammer's Financial Audit show has built a following on one premise: confront people drowning in debt with the math they have been avoiding. His episode with a guest named Veronica delivered one of the bluntest verdicts he has ever rendered. “You can't be trusted to have debt. You don't have the behavior for it. ... I Have $30K in Credit Card Debt Across 3 Cards and Don't Budget: Am I Beyond Help?...

George Kamel went on The Iced Coffee Hour with Graham Stephan and revisited one of the most replayed moments of his career. The caller was Katie, from rural Kentucky, earning $36,000 a year at the USDA and sitting on $136,000 of debt. She had a prize-winning racehorse she refused to sell. Kamel's response, “Katie, the ... “I make $36k a year with $136k in debt and won't sell my prize-winning horse: am I making a financial mistake?”...

David from Marana, Arizona called into Talking Real Money with a question many retirees carry quietly. “I have a $100,000 variable annuity as part of my traditional individual retirement account held at Edward Jones.” His question was simple: when retirement starts, does he tap the annuity first or the rest of the IRA? Host Don ... I have a $100K variable annuity in my IRA: should I withdraw from it first in retirement?...

Adrianne's call to The Ramsey Show is one of the clearest cautionary tales I've seen. Adrianne, a restaurant general manager earning $65,000 annually, called the show with a problem she could not outrun. “I've been pretty good about my finances for a while. Not saying I'm the greatest. Obviously, I made bad choices. I have ... “I've Been Bankrupt Twice and Just Bought a $52,000 Truck on a $65,000 Salary: How Do I Stop the Pattern?”...

Nicole Lapin recently took a sledgehammer to one of personal finance's most repeated platitudes. On her show Money Rehab, talking with real estate agent Glennda Baker, she flipped the script on the “renting is throwing money away” crowd: “When you're buying, you're throwing away money. You're not going to get a lot of these fees ... Renting vs. Buying: Why Financial Advisors Say the 'Right' Choice Depends on Your Life Stage, Not Your Wallet...

Pete from Massachusetts called into The Clark Howard Podcast last week with a flex most savers will never match. “Recently had a caller asking about bank account bonuses and whether they should continue to do them. Definitely worth it, but what you didn't mention is the best practice is to keep these accounts open at ... “I've Been Beating Banks With Bonus Accounts for 10 Years: Here's the System That Earned Me Thousands”...

I've been studying portfolio concentration for years, and one stat from Schwab's On Investing podcast keeps echoing in my head. In 2022, the Magnificent Seven fell roughly 40% while the S&P 500 dropped 18%. Our data confirms the pain: SPY shed 20% that calendar year, while Meta Platforms (NASDAQ:META) collapsed 64%, NVIDIA (NASDAQ:NVDA) fell 51%, ... The Magnificent Seven Fell 40% While the S&P Dropped 18%: Here's How Much Tech Concentration You Can Actually Afford...

Introduction For decades, semiconductor cycles followed a fairly predictable sequence. Demand improved, companies bought more equipment to make more chips, unit shipments increased so that supply exceed demand, and pricing eventually weakened as oversupply returned to the market. Investors therefore learned to focus primarily on unit growth because pricing historically lagged demand rather than led ... The Semiconductor Upcycle Is Being Driven by Memory Pricing, Not Unit Growth...

Although the chip complex has spent the last six months looking unstoppable, Wall Street is starting to whisper that the heat may finally be coming out of the trade. A Reuters analysis is warning that the “sizzling” semiconductor trade is at risk of cooling and could stall the broader US stocks rally. The iShares Semiconductor ... Wall Street Is Worried About a 'Sizzling' Semiconductor Trade. History Says Cooling Periods Like This Set Up the Next Leg Higher...

A caller named Teresa phoned into The Ramsey Show with her husband listening in. She had a simple question: “My husband and I are in Baby Step 3, and I want to spend $400 on a new kitchen appliance.” The appliance was a flour mill for making homemade bread. Her household had just finished four ... We're Debt-Free With $1,800 Saved and Want to Spend $400 on a Kitchen Appliance: Should We Wait?...

The $1,000 starter emergency fund has been gospel in personal finance circles for two decades. Andrew, host of The Personal Finance Podcast, thinks it sets people up to fail. On a recent episode titled How to Manage Your Money (and Still Enjoy Life), he said: “If you're trying to pay off debt and you only ... Stop Saving $1,000 for Emergencies: Here's the 1-3-6 Method Financial Advisors Say Actually Works...

Angela called into the Rich Habits Podcast with a problem most of us would happily trade for: she and her spouse, both 40, just netted $175,000 in cash from a home sale and want to know whether to throw it at their $475,000 mortgage at 5% or invest it. Co-host Robert Croak did not hedge. ... We're 40 with $175K cash and a $475K mortgage at 5%. Should we pay it down or invest instead?...

XRP (CRYPTO: XRP) whale wallets just hit an all-time high. 332,230 wallets now hold at least 10,000 tokens, per on-chain analytics firm Santiment. However, XRP slipped back below $1.45, and is currently trading in the $1.42 to $1.45 range and down roughly 2% over the past 24 hours. The whale buying has been building since ... XRP Whale Wallets Hit Record High But Price Slips Below $1.45 Again...

Every investor eventually faces the same question: when does the certainty of a bond beat the upside of a stock? Evan from the Investing for Beginners Podcast laid out a clean answer, and the math right now is closer than most people realize. On a recent episode, Evan said, “if I was able to get, ... Bonds at 7 percent could beat the stock market. Here's when to make the switch....

The Senate confirmed Kevin Warsh as Fed Chair today in a 54-45 vote—the closest in modern history. He replaces Jerome Powell on Friday May 15, and his first FOMC meeting is scheduled for June 16-17. Bitcoin (CRYPTO: BTC) is trading just under $80,000 as he prepares to take the role, after this morning's hot PPI ... Kevin Warsh Confirmed as Fed Chair: The 5 Things That Could Decide How Bitcoin Reacts...

A 71-year-old widow we'll call Margaret has $1.4 million in a traditional IRA, rolled over from her former 401(k), and writes checks every December for $5,000 to $10,000 split between her church and a local food bank. She itemizes those gifts on her return. She also pays full freight on every dollar of IRA distribution ... The QCD Move That Turns 401(k) RMDs Into Tax-Free Charitable Gifts at 70...

The Allianz 2025 Annual Retirement Study put a number on something many Americans already felt: confidence in their financial future has eroded at a measurable rate. Overall financial confidence dropped 13 percentage points from 2020 to 2025, falling from 83% to 70%. The decline is not evenly distributed, and the underlying macro data explains much ... The Allianz 2025 Annual Retirement Study Found That Financial Confidence Has Fallen 13 Points Since 2020...

The Allianz 2025 Annual Retirement Study added a single statistic that shifted the conversation about retirement readiness. The big takeaway is that 67% of Americans worry Social Security will not last through their full retirement, up from 57% in 2024. A ten-point jump in twelve months is the kind of move that signals something beyond ... The Allianz Study Found That 67% of Americans Worry Social Security Won't Last Their Full Retirement...