We are living in a K-Shaped Economy
There have always been differences in economic outcomes across households, but in recent years many economists have described the United States as […]
Author: Robert Gephart
401(k) Contribution Limits and New Rules for 2026
The IRS has released its updated 401(k) contribution limits for the 2026 tax year. These annual adjustments are driven by inflation and […]
The Dollar’s Decline
In the first half of 2025, the U.S. dollar lost 11% of its value against a basket of international currencies—its steepest drop […]
U.S. Credit Rating Downgrade: What It Means
In May, the United States lost its last remaining AAA credit rating when Moody’s downgraded the country to Aa1. This move followed […]
What are tariffs and how do they affect me?
A tariff is a tax on imported goods and services. They are a form of trade regulation that governments use to protect […]
What can I do with money left over in a 529 Plan?
A 529 Plan is a tax efficient way to save money to pay for qualified education expenses. You can use funds from […]
What should I do with extra cash?
From March 2022 through July 2023, the Federal Reserve rose the bank lending rate from 0% to 5.25%. It was a huge […]
Undocumented Workers: Boosting the Economy, Curbing Inflation?
Some days, it feels like this economic boom can’t continue. What is holding it up? Why doesn’tinflation continue to rise and cause […]
What is the latest buzz about Artificial Intelligence?
Artificial Intelligence (AI) is the latest buzz word in the financial market. Companies make sure tomention their AI efforts in conference calls. […]
Changes to Inherited IRA’s – The 10 Year Rule
In 2019, Congress passed the SECURE Act. It has since been amended by the SECURE Act 2.0 in 2022. These acts changed […]