Saving to Invest is a personal finance blog covering topics ranging from unemployment benefits, saving money, taxes, to investing. I started it in 2008 to educate myself by writing plain-english articles covering the economy, ever changing tax laws and their impact, and various government benefits (free money) — it’s grown from there into a resource people come back to every year. This includes perennial topics like refund delays/payment schedules, contribution limits, COLA adjustments, benefit amounts, GS pay raises, etc.
About Me
I admit it — I’m a personal finance junkie when it comes to all things money, and this site is the main channel through which I share my thoughts and hopefully add value for readers. I’m married with teenage kids, have a decent household income, a growing share/funds portfolio, and hope to retire sooner rather than later. I’ve been tracking IRS refund cycles, Social Security COLA adjustments, and 401(k)/IRA limits every year since 2008, and I’m still an active investor who believes smart money management and regular investing are the real secrets to financial freedom.
You’ll also find I write and post updates on topical items that affect us financially, including stimulus programs, enhanced unemployment benefits, retirement plans, and the ever-changing tax landscape. When you mix politics and a volatile economy, you get a lot of changes in these areas that affect us all.
I hope you enjoy what I write and get something useful out of the site. I’d love to hear your feedback. I write under “Andy” rather than my full name — my day job comes with contractual limits on public commentary, so a byline keeps the site’s focus on the numbers rather than on me. What doesn’t change: every figure, deadline, and rate on this site is pulled from primary sources and re-checked on the date shown at the top of each post. If something looks wrong or out of date, tell me and I’ll fix it.
How I Research and Verify What I Publish
Every post starts with primary sources: IRS publications and instructions, Social Security Administration releases, USDA and state SNAP agency data, Department of Labor unemployment figures, and original bill text for legislation like the One Big Beautiful Bill Act. I don’t rely on press summaries or other blogs for the numbers — when something changes (a COLA adjustment, a contribution limit, a benefit amount), I go back to the source document and update the post. That’s why you’ll see a “last verified” or “last updated” date on time-sensitive articles. Spot something outdated or wrong? Email me at andys [at] savingtoinvest.com and I’ll correct it, usually within a day.
So why Saving to Invest?
I chose the title because, in my opinion, it reflects the secret to financial freedom for most people: Wealth = Savings + Investments. Simple, and it’s the basic premise of this blog and my financial philosophy. Unless you’re bestowed with family money or win the lottery, the only way to reach financial freedom is to save effectively (don’t spend more than you earn) and then invest that money effectively over the medium to long term in a diversified portfolio and retirement accounts. Easy? No — it takes work, discipline, and desire. This blog reflects that journey and tries to give you the information to make it yours too.
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Cheers, Andy