Personal Finance

Friendly advice about savings, retirement, and investments

Personal Finance: Savings, Retirement, and Investments

The Best Apps for Budgeting, Debt Management, and Payments

A smartphone, an Internet connection, and a great DIY attitude are powerful tools for improving your financial goals. Just imagine: keeping track on your budget the very moment after you pay for an utility bill, depositing a check without setting foot on actual bank, or collecting money from a friend without exchanging any physical bills…. Read More

Money Management for Startup Employees

When you’re working at a startup, it’s pretty easy for money to take a backseat to more pressing priorities like putting in a 12-hour workday, maintaining your personal life, and has it really been a month since you’ve done laundry? But with the uncertainty of startup employment, the accounting quagmire of exercising options, and the… Read More

7 Essential Personal Finance Tips for Your 30s

You’ve hit the big 3-0, and there’s no getting around it, you’re an adult. The decisions you make today for your personal and financial future will impact the rest of your life. Follow these seven personal finance tips for your 30’s and you’ll be on track for a secure future. 1. Max out your 401(k)… Read More

Automatic Transfers: How to Save Without “Budgeting”

Budgeting has become a bit of a dirty word, conjuring images of poring over lists and briefly pausing in front of coffee shops before slowly, sadly moving on. But for all that personal finance gurus harp on its importance, is it really necessary for money management? The short answer is no. But is it necessary… Read More

Socially Responsible Investing: A Beginner’s Guide to Choosing Ethical Funds

If you want your investment portfolio to reflect your personal values, socially responsible investing (SRI) has a demonstrated track record of creating social change. Possibly the best-known SRI success took started in the 1970’s, when public pressure forced large institutional investors like public sector pension and university endowment funds to withdraw from South African investments…. Read More

Buying a Home: How Should I Prepare 1, 3, or 5 Years in Advance?

If you’ve been following the housing market, you know that the last couple of years have been great for home buyers finally taking the plunge. According to Freddie Mac, the average rate on a 30-year fixed rate mortgage was 3.47% in October 2016. By contrast, the average rate in 2000 topped 8%! These low financing… Read More

401(k) Trends in 2017

A major trend upcoming in 2017 is the renewed focus on the 401(k) as the main solution for tackling America’s general retirement saving problem. A March 2016 GoBankingRates survey found that 33% of Americans have zero saved for retirement. This bleak retirement picture is one factor driving the following major 401(k) trends for 2017. Small… Read More

The Best Personal Finance Blogs for Beginners, Advanced Investors, Coupon Hunters, and More

There are a lot of personal finance blogs, forums, and comment sections out there with many “armchair financial experts” giving advice. This is fine for reading anecdotes and commiserating with fellow savers and investors, but for big or high-risk personal finance decision research, make sure that you’re consuming information from sources that are edited and… Read More

401(k) Early Withdrawal: Is It Worth It?

Americans work hard to sock away money for retirement. Whether it’s through an IRA or an employer-sponsored 401(k), saving up takes hard work and discipline: they need to diligently contribute from every paycheck, take advantage of employer matches, minimize applicable fees and charges, and select funds that meet their retirement strategies. However, all that hard… Read More

Can Contributing to Your 401(k) Be a Bad Idea?

Conventional wisdom says that you should always contribute to your 401(k), no matter how young you are. For the most part, it’s great advice: Retirement plans offer a tax-advantaged way to grow your nest egg; employer-matched contributions are basically free money for your golden years; and the earlier you pay into the account, the longer… Read More

Other Captain401 Blogs

Small Businesses

Small business owners: everything you need to know about starting and running a business.

Startups

Lessons from Captain401 as a startup and our advice on scalable growth.