Money sitting in a bank should feel safe. Not “probably fine,” not “it’ll work out,” but locked-down, sleep-easy, zero-stress safe. That feeling disappears fast once a balance creeps past $250,000, … [Read More...]
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The “Loud Budgeting” Trend and Transparent Money Conversations
Money talk just got loud—and not in a chaotic, stressful way, but in a confident, unapologetic, no-more-hiding kind of way. Quiet budgeting had its moment, whispering “maybe next time” when plans got … [Read More...]

Using a 401(k) for a Down Payment: The Pros and Risks in 2026
A house key can feel heavier than gold, especially in a market that refuses to sit still. Prices keep climbing, savings accounts feel painfully slow, and suddenly that 401(k) starts looking less like … [Read More...]

Utah’s $7,522 Healthcare Annual Cost And What It Means for Residents
Utah doesn’t mess around when it comes to healthcare costs. That $7,522 annual price tag doesn’t just sit quietly in the background—it demands attention, sparks questions, and pushes people to rethink … [Read More...]

10 Signs Your Financial Advisor May Be Paid by Commission
Money advice should feel clear, honest, and aligned with your goals. When something feels off, it … [Read More...]

Families Spending 20% of Income on Childcare — Budget Impacts
The cost of raising children has always been significant, but the numbers today are jaw-dropping. … [Read More...]

Rethinking Financial Literacy — Skills That Matter More
Money education has always been framed as a list of dos and don’ts: balance a checkbook, understand … [Read More...]

How Utilities Affect Colorado’s Low Property Tax Rate
Low property taxes sound like a dream, right? Colorado proudly sits near the bottom when it comes to … [Read More...]
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The Free Financial Advisor is not an investment advisor and the comments posted herein are opinions of the authors. While they have been professionals at one time, since the authors are not currently registered investment advisors or brokers, their opinions should be considered those of amateurs.





