Yes, if you get over $1,000 back each year. How to adjust your W-4 for a smaller refund, what that cash is really worth, and the penalty line to stay above.
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Matt Schuberg, CFP®Yes, if you get over $1,000 back each year. How to adjust your W-4 for a smaller refund, what that cash is really worth, and the penalty line to stay above.
Matt Schuberg, CFP®Should you ask for a raise or switch jobs? Compare your best realistic raise to the offer minus what leaving costs, like unvested match. Real numbers inside.
Matt Schuberg, CFP®Should you use savings to pay off credit card debt? Usually yes: keep one month of essentials in cash and send the rest to the card. See the 22% APR math.
Matt Schuberg, CFP®Paying your credit card twice a month lowers the balance reported to the bureaus. Here's when it helps your score or saves interest, and when once is enough.
Matt Schuberg, CFP®Should you save for a house or invest? If you buy within three years, keep it in cash. Five or more years out, invest. See the real math and the in-between.
Matt Schuberg, CFP®Zero-based budget vs 50/30/20: use 50/30/20 if needs fit in half your take-home pay, zero-based if they don't. See both run on a real $90,000 paycheck.
