Personal finance systems for spending, saving, debt, and investing.
Education & Certification
Latest Articles
All articles for the active domain.
Investing
Diversification: Definition, How It Works
Diversification is an investing strategy in which the investor spreads investments across different types of asset classes in order to reduce the risk of loss.
Aug 1, 2026
Taxes
Cost Basis: What It Is, How to Calculate It
Cost basis is the original purchase price of an asset. Cost basis affects the profit and tax due on an asset sale. There are three ways to calculate cost basis.
Aug 1, 2026
Taxes
401(k) Taxes on Contributions and Withdrawals in 2025-2026
Contributions to a traditional 401(k) are not subject to income taxes but are subject to Medicare and Social Security taxes. You pay income taxes on withdrawals.
Aug 1, 2026
Taxes
14 Types of Tax-Free Income & Nontaxable Income
The IRS casts a wide net when it collects taxes, but it doesn't collect on everything. Here are 14 types of nontaxable income.
Aug 1, 2026
Taxes
Taxes on Stocks: What You Have to Pay & How to Pay Less
Profits from stock sales are subject to capital gains tax. The rate you pay depends in part on how long you owned the shares. Dividends are also taxable.
Aug 1, 2026
Taxes
State Residency Rules for Tax Purposes
You can be a statutory resident of one state even if you have a home in another state. Spending 183+ days a year in a state can create statutory residency and tax bills.
Aug 1, 2026
Budget Planner
When is Cyber Monday?
Cyber Monday is known for major online sales, and it falls on Dec. 1 this year.
Aug 1, 2026
Budget Planner
How Much Money Should I Save Each Month?
Many experts suggest saving between 10% and 20% of your monthly paycheck. If that's not realistic for you, any savings is good savings.
Aug 1, 2026
Budget Planner
Is Giftflation Blowing Up Your Holiday Budget? Here’s How to Fight It.
Feeling the pinch of giftflation? Here’s what’s behind rising gift costs and how you can celebrate without overspending this holiday season.
Aug 1, 2026
Budget Planner
Texas Sales Tax: Rates, Calculator, Who Pays
In Texas, the state sales tax is 6.25%, but local taxes of up to 2% can also be tacked onto purchases.
Aug 1, 2026
Investing
Taxes on Investments in 2025-2026, and How to Reduce Your Bill
Taxes on investments include tax on capital gains, dividends, mutual funds, 401(k)s and home sales or real estate. What you pay depends on several factors.
Aug 1, 2026
Taxes
Form W-9: What It Is, How to Fill It Out
A W-9 is an IRS form used by businesses and other entities to collect taxpayer identification numbers from independent contractors and individuals.
Aug 1, 2026