David Marshall 
For small business owners, cash is more than just money — it’s oxygen. Without steady cash flow, even profitable businesses can suffocate. Rent, payroll, inventory, and utilities don’t wait for customers to pay their invoices. Managing the timing of money in and money out is often the hardest part of keeping a business alive. In … Read more
Student loans are one of the heaviest financial burdens many Americans carry. With average balances ranging from $20,000 to over $100,000 depending on degree, it’s no surprise that borrowers are constantly searching for relief. One option that often comes up is refinancing. But refinancing isn’t for everyone. Done right, it can lower your interest rate … Read more
For millions of students, loans are the only way to make higher education possible. But not all student loans are created equal. The choice between federal and private student loans can shape your financial life for decades after graduation. With student debt in the U.S. topping $1.7 trillion in 2025, understanding how these loans differ … Read more
When you’re trying to grow your savings, the options can feel overwhelming. Do you keep your money in a savings account for easy access? Or lock it in a certificate of deposit (CD) for a higher rate? Both tools are safe, straightforward, and insured by the FDIC or NCUA, but they serve different purposes. Choosing … Read more
For most people, saving money feels like a slow climb uphill. You set cash aside, but the interest barely makes a dent — especially if your money is sitting in a traditional savings account paying just 0.01%. That’s where high-yield savings accounts (HYSAs) come in. In a world of higher interest rates, HYSAs have become … Read more
A Line That Says It All “Small hands signed this immigration policy. Big hands would have torn it up.” The words may sound flippant, even mocking, but they capture a deeper truth. Small hands symbolize pettiness, fear, and insecurity. Big hands represent vision, courage, and the ability to lift others up. The newly announced $100,000 … Read more
Refinancing is one of those financial terms people throw around like it’s always a good move. “Rates are down? Refinance!” “Need cash? Refinance!” But here’s the truth: refinancing a mortgage can either save you thousands of dollars or cost you more than it’s worth — depending on when and how you do it. With the … Read more
If you’re carrying a balance on a credit card, you’ve probably felt the sting of high APRs. With average credit card rates hovering above 20% in 2025, even a modest balance can snowball into crushing debt. That’s why balance transfer credit cards — often advertised with 0% APR introductory offers — look so appealing. But … Read more
If you’ve ever opened a credit card statement and felt confused by the numbers, you’re not alone. One of the most important — and often misunderstood — numbers on that page is the APR, or Annual Percentage Rate. APR determines how much it costs to carry a balance on your credit card. It’s the difference … Read more
When the Federal Reserve changes interest rates, it’s not just a headline for Wall Street. It shapes what you pay on your credit card, what you earn on your savings, and whether it makes sense to refinance your mortgage. On September 17, 2025, the Fed cut its key federal funds rate by 0.25 percentage point … Read more
