Andy | Saving to Invest

AI Infrastructure Investing: How to Think About the Trade Behind the AI Boom

By mid-2026, the AI story on Wall Street has shifted. It's no longer just about which company has the smartest chatbot — it's about who's pouring concrete, stringing transformers, and laying fiber to keep the whole thing running. Big Tech is now projected to spend somewhere between $500 billion and…

Using AI to Invest in Stock Market Momentum: How I Made a Quick $4000 in 3 Trading Days

Right now, the stock market is booming despite all the geopolitical risk, inflation, and other headwinds. In particular, a lot of AI-related stocks are booming thanks to the massive amounts of money being spent by the largest companies in the world. The current investing climate is definitely not one for…

Are Adult Kids Still on Your Cell Phone Plan? What the Numbers Say

Here’s a question that comes up at a lot of family dinners: “So… when are you getting your own phone plan?” If you’ve been on the giving or receiving end of that conversation, you’re not alone. A surprisingly large share of American adults — well into their 20s and beyond…

How to Invest Without FOMO: Smart Strategies for 2026

Does it feel like you missed the recent crypto surge or AI tech stock rally? This feeling is the Fear Of Missing Out, or FOMO. It drives many investors to buy at the peak and sell in a panic. This is a story that keeps repeating through history during any…

Are You Upper Middle Class? 2026 Income Thresholds and a State-by-State Breakdown

Nationally, upper middle class means a family of three earning roughly $133,000 to $400,000 — but the honest answer depends heavily on your state. In Mississippi (MS) you can hit the tier at around $89,000, while in Massachusetts (MA) the bar starts near $181,000. The full state-by-state table is below.…

How to Save Money and Time on Your Next Vacation Using AI plus Social Media

You know the drill: you open a browser tab to check flights, then another for hotels, then one more for rental cars, and suddenly you have 18 tabs open and no idea which deal is actually the best one. Two hours later, you book something — probably not at the…

Updated 2026-2027 State Unemployment Max-Min Benefits with Qualifying Wage Table

Here are the latest maximum and minimum unemployment payments for each state, including the minimum wage base earnings to qualify for these benefits. With a worsening economy and ongoing job losses, it its important to keep these unemployment benefits in mind. Always apply for benefits via your state's official website…

Avoid Costly Mistakes When Inheriting an IRA in 2026: The Annual RMD Rule You Can’t Skip Anymore

If you inherited an IRA anytime after 2019, there's a good chance you've been told the rule is simple: empty the account within 10 years, take distributions whenever you want in between. That's no longer entirely true, and the IRS's penalty-free grace period for getting it wrong ended after 2024.…

2026–2027 Senior Deduction: The New $6,000 Tax Break for Ages 65+ (Do You Qualify?)

For retirees on a fixed income, every tax break matters. The $6,000 Senior Bonus Deduction added by the One Big Beautiful Bill Act (OBBBA) is one of the most straightforward new benefits in the law: if you're 65 or older, you get an extra $6,000 subtracted from your taxable income,…

Master Your Money: The Ultimate Personal Income and Spending Roadmap (2026 Update)

Your gross paycheck is the starting line for everything. Before you can invest, before you can build an emergency fund, before you can make any financial progress, you need a clear picture of where money enters your life, where it leaks out, and what's actually left to deploy. Most people…

Quarterly Estimated Taxes This Year: What Freelancers Actually Need to Know

Last year, a friend of mine who'd been freelancing for three years got hit with a $1,400 penalty from the IRS — not because she didn't pay her taxes, but because she paid them all at once in April. She'd been doing this since she started. Nobody told her it…

Tech Layoffs and the AI Shift: What Ongoing Job Cuts Mean for Your Career and Wallet

Imagine waking up to a notification that your company just reported record-breaking profits. You feel a sense of security until, moments later, a second alert hits: 40% of your colleagues are being let go. This isn't a hypothetical — it's the recent reality for thousands of employees at Block, the…

Could Your 2026 Tax Refund Double As a Stimulus Check? Experts Weigh In

The economic landscape of 2026 has many Americans wondering: could tax refunds be used as a form of financial stimulus? With inflation still a concern and financial challenges lingering from prior years, experts are brainstorming ways to put more money in taxpayers' pockets. One idea gaining traction is the possibility…

Trump’s Tariffs in 2026: Where Things Actually Stand This Week

The 10% global tariff surcharge currently in effect on most US imports expires by law at 12:01 a.m. on July 24, 2026 — this week — and there's no extension bill moving through Congress to stop it. What happens after that is genuinely unsettled, so here's the full timeline of…