My name is Mike and I’m the author of The Dividend Guy Blog & The Dividend Monk along with the owner and portfolio manager here at Dividend Stocks Rock (DSR). I earned my bachelor degree in finance-marketing, own a CFP title along with an MBA in financial services. Besides being a passionate investor, I’m also happily married with three beautiful children. I started my online venture to educate people about investing and to be able to spend more time with my family. I started my career in the financial indu ...

作者背景 - 作者拥有金融市场营销学士学位、CFP头衔以及金融服务MBA学位 [1] - 自2003年开始在金融行业工作 在私人银行领域有五年客户服务经验 [1] - 是The Dividend Guy Blog、The Dividend Monk等投资网站的作者和Dividend Stocks Rock的投资组合经理 [1] 职业转型 - 2016年决定信念飞跃 举家穿越北美和中美洲九个国家旅行 并在哥斯达黎加停留三个月 [1] - 2017年辞去金融行业工作 专注于通过投资网站帮助他人管理个人财务 [1] - 创立在线投资教育平台的初衷是进行投资者教育并增加与家人相处的时间 [1]

Nashville, Tennessee, Nov. 03, 2025 (GLOBE NEWSWIRE) -- On Monday, “What No One Tells You About Money,” by personal finance expert, bestselling author and co-host of “The Ramsey Show” Jade Warshaw, became available for presale. Published by Ramsey Press, the book (ISBN: 979-8-887821-37-5) will be released on January 6, 2026, and will retail for $24.99.   In her groundbreaking new book, Warshaw flips the script on personal finance advice, showing that the toughest money battles aren’t about fighting with the ...

文章核心观点 - 传统的个人理财规则并非绝对命令 而是指导方针 在某些情况下为生存而打破规则是必要且合理的[1][2][3] 打破的理财规则与具体实践 - 在面临支付信用卡账单与保障家庭基本生存的选择时 选择暂时承担信用卡余额以渡过难关[4] - 若必须承担信用卡余额 应确保其仅为临时性 并尽可能支付高于最低还款额的金额[5] - 美国信用卡债务平均水平为6,473美元 战略性管理债务可成为生命线[5] - 因需要可靠通勤工具而进行汽车贷款 将汽车视为必需品而非奢侈品[6] - 汽车融资本身并非坏事 但应避免过度融资 并争取最低利率和额外偿还本金[7] - 目前新车贷款平均金额超过40,000美元 月供超过700美元 对多数家庭负担较重[7] - 在购房不现实的阶段选择租房 以获得灵活性、安心和更少责任[8]

文章核心观点 - 前华尔街交易员Vivian Tu为应对经济衰退提出了五项个人理财策略 这些策略的核心是从财富积累模式转向防御性的财务生存模式 [1][2] 应急资金策略 - 在经济不稳定时期 应急储蓄目标应从常规的3至6个月生活费大幅提高至6至9个月生活费 [3] - 增加储蓄缓冲的原因在于经济衰退期间失业、减薪和招聘周期延长更为普遍 此举可为个人提供更充裕的择业空间并减少因恐慌导致的错误财务决策 [3][4] 债务管理策略 - 经济衰退期间应优先偿还信用卡债务等高风险高利息债务 以避免因利率上升导致还款额快速膨胀 [5][6] - 与低息固定债务相比 偿还高息可变债务能更快释放现金流 增强预算灵活性 属于防御性财务布局 [6][7] 支出削减策略 - 反对全面削减支出的极端节俭方案 建议进行有辨别力的削减 重点减少那些不能为生活增添真实价值的便利性成本 [8] - 策略的关键在于保留真正关心的项目的预算 而非消除所有自由支配支出 以维持个人幸福感并提高计划可持续性 [8]

Every self-made millionaire has a different story of how they attained their wealth. While there are countless ways to build up your bank account, each approach requires focus, goals, commitment, a little luck and smart moves. Read More: Most Experts Say Buy Index Funds. Charles Payne Says Do This Instead Learn About: 3 Advanced Investing Moves Experts Use to Minimize Taxes and Help Boost Returns For Andrew Lokenauth, a finance expert who leverages his Wall Street background to educate his millions of fol ...

文章核心观点 - 内容创作者Humphrey Yang指出四种应避免的投资类型，包括分时度假房产、新车、三倍杠杆ETF和加密货币 [1][2] 分时度假房产 - 分时度假房产是购买度假屋的部分所有权，每年可在特定时间使用特定物业，但需要为使用特权支付高昂费用 [3] - 分时度假协议包含大量年度费用和开支，且协议 notoriously hard to get rid of，退出困难 [4] - 与自有房地产不同，分时度假房产不会增值，购买十年后出售时面临众多新物业竞争，加上协议限制导致难以出售 [4] 新车购买 - 新车属于贬值资产，一旦驶离经销商将立即损失车辆价值的10%至20% [5] - 根据CNBC数据，汽车价值在三年内将下降至原始购买价格的50% [5] - 在美国拥有汽车是生活必需，但几乎不可能以高于购买价出售，不应被视为投资 [6] 三倍杠杆ETF - 三倍杠杆ETF会放大投资回报，市场上涨1%时基金可能上涨3%，但市场下跌1%时也会下跌3% [7] - 在市场波动剧烈情况下，即使市场持平，投资者仍可能在三倍杠杆ETF上亏损 [7] - 传统ETF寻求复制指数回报，而杠杆ETF通过使用衍生品等高风险策略追求数倍于指数的回报 [7]

公司背景 - 公司所有者及投资组合经理拥有金融市场营销学士学位、CFP头衔和金融服务MBA学位 [1] - 公司创始人的金融行业职业生涯始于2003年 [1] - 公司创始人在私人银行领域有五年工作经验 [1] 业务发展 - 公司通过在线平台开展业务 旨在教育投资者并帮助其管理个人财务 [1] - 公司业务转型的契机是2016年至2017年的家庭旅行经历 [1] - 公司创始人于2017年决定离开传统金融行业 全职投入投资网站运营 [1]

Tarun Ramadorai, former Chair of the Inter-Regulatory Committee on Household Finance at the Reserve Bank of India, says the personal finance system is competing to offer products and services people may want but don't necessarily need. He tells Romaine Bostick and Katie Greifeld on "The Close" that the system must be fixed, as it's currently operating with the wrong incentives. ...

There’s no shortage of Dave Ramsey fans out there looking to build their own fortune, even up to a fraction of his $200 million net worth. Many have found the money guru’s methods to be helpful in their financial trajectory, but this doesn’t necessarily mean his advice will work for you. Be Aware: Warren Buffett: 10 Things Poor People Waste Money On For You: These Cars May Seem Expensive, but They Rarely Need Repairs “His methods, which he promotes as a universal approach to personal finance, often fail t ...