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The following is an excerpt from the study guide portion of my latest book, A Couple with Common Cents.

As I observe marriage relationships, I find that one spouse likes to take more risks than the other. This is true in my own marriage.

But each spouse also has his and her own ways of taking risks that the other person does not.

Perhaps you love to travel, explore new places, or climb mountains like my wife, Lori. When you take a first glance at us, you might think she’s the one prone to more “risk,” if you just look at what she likes to talk about or how she drives the car.

Or perhaps you can handle more fiscal risk. You spend money on investments or opportunities that don’t have a clear guarantee. There’s a huge upside if it goes right, but there’s also potential for loss.

In your marriage, I would bet that one of you is financially more conservative than the other. One of you likes to save, while the other one spends. One of you will give away all your money, while the other one says, “Slow down!” Continue Reading…

Falling Interest Rates

Ryan Eidson  —  April 29, 2016

The following is an excerpt from my book, A Couple with Common Cents:

a couple with common cents book excerpt

Tabitha was all excited and tired at the same time. She already missed Ruth and Hannah, and all that they experienced together. Now it was Sunday, and Tab was going home with the other ladies in the van.

Linda said, “Tab, you seem different today than you did on Friday. Is something wrong?”

“No, not really.”

“Are you sure?”

“Well I am excited to see my family. But my heart is just so heavy with all the changes I want to see happen.”

“What changes?”

Tab wasn’t sure whether to tell her or not, with the possibility of the others in the van listening in. Continue Reading…

Money is top-of-mind in April as income taxes are due for US citizens. April is designated as National Financial Literacy Month.

What is financial literacy?

Financial literacy is the ability to use and understand money in everyday life. It’s the skills to succeed with your household finances.

Financial literacy includes the ability to: Continue Reading…

Do you feel like you’ve lost control of your life?

Is it spinning too fast, and you have a hard time finding your landing gears to get to a destination for rest?

Or is it going to slow, and you’re having a difficult time getting your bearings greased up so that you can get back in your groove?

awareness-attitude-actions

“follow the lines” by flickr user Nicolas Alejandro | cc by 2.0

Whichever way your life is going right now, fast or slow, there are three aspects of your life that you can control: Continue Reading…

Back in ancient Rome, the tax collector was a person that everyone despised. People knew that when the tax collector would visit, he would collect extra and line his pockets with your hard-earned coins.

Today, the function of the tax collector is spread out through several functions. Retail businesses collect sales tax on goods and send that sales tax to the state. Tax preparers, software, and CPAs determine your annual tax liabilities (after businesses have already collected payroll taxes from every W-2 and remitted them to the IRS). And the list goes on.

Today is tax day in the US. Americans spend more on taxes than on food + housing + clothing!

Aren’t you glad the tax collector is done with his visit for this year?