Smart Money Moves for Everyday Americans

The Schwab U.S. Dividend Equity ETF (SCHD) is one of the most searched investment products in the country right now. With a 3.45% yield, 14 years of consecutive dividend growth, and a 0.06% expense ratio, here's what makes SCHD different — and whether it belongs in your portfolio.

Sarah Mitchell·8 min read

Silver just hit $77 per ounce — a historic high — as a five-year supply deficit meets surging industrial demand from solar panels, EVs, and AI data centers. Here's what's actually driving the rally, who benefits, and whether silver belongs in your portfolio.

David Clarke·8 min read

The Congressional Budget Office just moved up the Social Security trust fund depletion date — again. If Congress doesn't act, benefits could be automatically cut by 24% in 2031. Here's what the numbers actually say, who gets hurt most, and how to plan around the uncertainty.

James O'Brien·9 min read

The average 2026 tax refund is $3,676 — up 10.6% from last year thanks to new deductions. Before you spend it, here's the priority order that will make the biggest financial difference in your life.

David Clarke·7 min read

The Roth IRA is the most underused retirement account available to most Americans. You contribute after-tax dollars, your investments grow tax-free, and qualified withdrawals in retirement are completely untaxed. Here's how to start.

Sarah Mitchell·10 min read

Economists aren't calling a recession yet, but warning signs are multiplying in 2026. Here's the financial preparation checklist that will keep you standing regardless of what the economy does next.

James O'Brien·9 min read