Studiogicoverdraft protection is a fee, not a feature.
You know your FICO score but not your net worth. That is not financial literacy. That is a credit card commercial.
same mistake. different month.
A W-2 tells you what you earned. It does not tell you why you have nothing to show for it. That gap is the system failing, not you.
rent cleared. $47 left.
Every unassigned dollar at the start of the month has the same destination. Nowhere specific. Gone by the 20th.
The HSA is the only account that is pre-tax going in, grows tax free, and comes out tax free. Most people use it as a debit card and lose the compounding entirely.
PMI is a fee you pay to protect the lender, not yourself. Most homeowners pay it for years without noticing it on the statement.
A tax refund is not a bonus. It is the IRS returning money you overpaid all year, interest free.
coffee's cold again.