The 6 Most Important Pieces Of Financial Advice

Michelle Mastro   Sun, September 28, 2025   Business Insider

I've worked in global banking for 25 years. These are the 6 most important pieces of financial advice I tell family and friends. 

• Racquel Oden has worked in global banking for over two decades.

• Some of the advice she gives family and friends is to focus on retirement as soon as possible.

• She also says to prioritize investments over student loan debt and CDs over regular savings accounts.

This as-told-to essay is based on a conversation with Racquel Oden, US head of wealth and private banking at HSBC. It has been edited for length and clarity.

8 Ways Lifestyle Creep Keeps You From Building Your Wealth

Joel Lim  Sun, September 28, 2025  GOBankingRates

You’re making decent money. You don’t feel like you overspend. And you don’t have a ton of bills. So, you wonder, why aren’t you building more wealth? You should be doing much better right now than you feel like you are, you figure. So what’s happening? You’re not alone. Only 22.1% of Americans have more than $100,000 invested and it is at that financial point that your wealth really starts to grow, according to 24/7 Wall St.

Read on to explore the everyday actions you’re taking or not taking, that are holding you back from joining that 22%.

Rachel Cruze: 4 Reasons Why Many High Earners Live Paycheck to Paycheck

Ashley Donohoe   August 28, 2025   GOBankingRates

The Ramsey Solutions “State of Personal Finance in America” study noted that 53% of Americans lived paycheck to paycheck, including 72% of individuals with incomes below $50,000. More surprisingly, this financial struggle was also a reality for 36% of six-figure earners.

In a recent video, personal finance expert and author Rachel Cruze broke down why so many high earners still struggle to live on their incomes and build wealth.

Avoid These 4 Common Mistakes When You Get Rich Overnight

September 4, 2025   by  Laura Bogart  GoBankingRates

You’re about to score a financial touchdown. Maybe you’ve crushed it at work and landed a sweet promotion. Perhaps you’ve won a lottery or stumbled into a side hustle that suddenly pays off. As you near the end zone, heart pounding, head full of dreams, you can’t afford (literally) to fumble. Whether you’re blindsided by unexpected taxes or tripped up by bad financial advice, you have a lot to lose if you drop the ball.  

If there’s one thing Brandon Copeland, former NFL linebacker turned financial expert, knows, it’s how not to fumble good fortune — whether that’s a game-changing play or a sudden influx of cash. As founder of Copeland Media and Athletes.org, and the author of “Your Money Playbook,” Copeland now dedicates his time to making financial education more accessible for everyone, from high earners to those just trying to get a handle on their first paycheck. 

11 Genius Things Rachel Cruze Says To Do To Become Wealthy

Terence Loose  Tue, September 23, 2025  GOBankingRates

Rachel Cruze, money expert and daughter of financial guru Dave Ramsey, has made a name for herself by giving people solid, actionable advice on how to make an achievable budget, control spending and build wealth. She’s the author of “Know Yourself, Know Your Money,” host of “The Rachel Cruze Show,” and a prominent influencer on social media channels.

Here are 11 of her top tips that GOBankingRates pulled from her YouTube channel on how to manage your money to live better, save more and achieve financial freedom.

Why High-Earning ‘Henrys’ Don’t Feel Any Richer Despite Six-Figure Salaries

Jessica Wong  August 24, 2025 5 min read  Moneywise

They pull in six-figure salaries but don’t think they’re rich. More money, same exact problems —

HENRYs, or “High Earners, Not Rich Yet,” are a surprisingly large class of Americans who pull in big bucks but still feel financially strapped.

7 Key Signs You’re Wealthier Than You Think

Caitlyn Moorhead  Mon, September 22, 202  GOBankingRates

Controversial but consummately successful podcaster Joe Rogan once said he felt like he’d “made it” financially when he had enough money to eat at a restaurant at night without feeling guilty and stressed about what it cost the following day.

Rogan’s net worth is now estimated at $200 million, which is all the money in the world — unless you’re Elon Musk. Rogan’s $200 million fortune he made bloviating opinions is less than 0.05% of Musk’s $395 billion fortune he made building cars and rocket ships.

10 Genius Things Warren Buffett Says To Do With Your Money

Elyssa Kirkham  Sun, September 21, 2025   GOBankingRates

Warren Buffett is commonly referred to as the most prophetic and respected investor of all time. He is also known for his folksy charm and memorable quotes about the art of investing. As the “Oracle of Ohama” has an estimated net worth of around $150 billion, the proof is in the pudding.

When you’re aiming to reach the top of the mountain and want a competitive advantage, it’s usually wise to follow the footprints of those who have successfully made the climb before you, to the tune of billions of dollars. Your odds of investing success can increase exponentially if you learn and apply Buffett’s best investing tips.

Worth 1,000 Words

Adam M. Grossman  |  Aug 2, 2025 Humble Dollar

IN THE ANCIENT WORLD, before the invention of the printing press, the most common way to retain information was to build what’s known as a memory palace. The idea was to link words to images, because images are easier to remember.

I’ve found that this strategy works well in personal finance, and earlier this year I described some of the images that I rely on most. Below are several more.

What We Lose When We Retire

Jonathan Clements  |  Aug 26, 2023

WHEN WE RETIRE, we win back control over our daily life. Gone is the boss, the expectation that we’ll be at work at a certain hour, the worry about what the next office email will bring. We have a degree of freedom that, in many cases, we last knew when we were students contemplating a long summer vacation.

But even as we gain that freedom, there’s also much that we lose. If we’re to be happy retirees, we need to think hard about how we’ll cope with these losses. For some, what’s lost won’t seem all that bad. But for me—someone for whom work has been so central to my life—the seven losses below loom large.