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Author: Samantha Hart

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The Afford Anything Gen Z Beginner’s Guide to Money
  • personal finance

The Afford Anything Gen Z Beginner’s Guide to Money

  • Samantha Hart
  • 03/01/2024
  • 0

When I first started figuring out money, it felt like everyone else already knew the secret. Textbooks were useless. This isn’t that. I’m telling you […]

Weather Forecasters Are More Trusted Than Economists
  • personal finance

Weather Forecasters Are More Trusted Than Economists

  • Samantha Hart
  • 02/07/2024
  • 0

Over the last several years, the profession of an economist has fallen to new lows. And quite frankly, they deserve the demotion they have received. […]

The S&P 500 Hit Record Highs — 4 Days in a Row
  • personal finance

The S&P 500 Hit Record Highs — 4 Days in a Row

  • Samantha Hart
  • 01/30/2024
  • 0

You open your brokerage app on a Wednesday morning. The S&P 500 just closed at an all-time high — for the fourth day in a […]

“But am I too late?” — think you missed your chance to buy a house?
  • personal finance

“But am I too late?” — think you missed your chance to buy a house?

  • Samantha Hart
  • 01/26/2024
  • 0

“But am I too late?” That’s the question I hear constantly. People see soaring prices, interest rate hikes, and they just assume the door slammed […]

“Everyone got burned: Wall Street missed the great stock rally of ”- they might have missed it, but we did not.
  • personal finance

“Everyone got burned: Wall Street missed the great stock rally of ”- they might have missed it, but we did not.

  • Samantha Hart
  • 01/10/2024
  • 0

It is hard to explain how satisfying the financial year was for 2023. After the dire predictions of Wall Street for recession and a down […]

Stock Market Rally – A Conundrum Between What You Hear From the Media and What You See in Real Life
  • personal finance

Stock Market Rally – A Conundrum Between What You Hear From the Media and What You See in Real Life

  • Samantha Hart
  • 12/08/2023
  • 0

For the last two months, the Standard and Poor’s 500 Stock Index was up 14.1% yet you do not read much about that rally in […]

Locked and Loaded…
  • personal finance

Locked and Loaded…

  • Samantha Hart
  • 11/08/2023
  • 0

Picture this: $15,000 sitting in a checking account earning 0.40% APY. Meanwhile, a coworker opened a 12-month CD last month at 4.65% and is set […]

There is a saying, “Economic expansions do not die of old age: they are murdered by the Federal Reserve.”
  • personal finance

There is a saying, “Economic expansions do not die of old age: they are murdered by the Federal Reserve.”

  • Samantha Hart
  • 09/13/2023
  • 0

Astonishingly, the U.S. economy has been so resilient for almost the last two years. Going into 2022, it was almost a unanimous consensus by all […]

Are we finally going to talk ourselves into a recession?
  • personal finance

Are we finally going to talk ourselves into a recession?

  • Samantha Hart
  • 04/12/2023
  • 0

Since the beginning of 2022, all the talk you hear in the financial press is about the upcoming recession. Many forecasts predicted we would have […]

Unemployment rate falls to the lowest level since 1969 – a 53-year low. Do we have to destroy the economy in order to fix it?
  • personal finance

Unemployment rate falls to the lowest level since 1969 – a 53-year low. Do we have to destroy the economy in order to fix it?

  • Samantha Hart
  • 02/09/2023
  • 0

The title of this posting sums up my views regarding how there could there be a recession this year with virtually everyone who wants to […]

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Featured Posts

7 Frugal Living Hacks That Actually Work (Beyond Cutting Coffee)

7 Frugal Living Hacks That Actually Work (Beyond Cutting Coffee)

  • Samantha Hart
  • 10/11/2026
  • 0

The average American household spends roughly $1,100 a year on coffee. Telling someone to skip their daily latte is the easiest frugal advice to give […]

Zero-Based Budget Google Sheets: How to Build a Zero-Based Budget in Google Sheets

Zero-Based Budget Google Sheets: How to Build a Zero-Based Budget in Google Sheets

  • Samantha Hart
  • 10/11/2026
  • 0

1. Zero-based budgeting does not mean spending everything The common misconception is simple: a zero-based budget does not tell you to empty your bank account […]

Roth Ira Conversions High Earners 2026: Roth IRA Conversions for High Earners: How to Pay Less Tax in 2026

Roth Ira Conversions High Earners 2026: Roth IRA Conversions for High Earners: How to Pay Less Tax in 2026

  • Samantha Hart
  • 10/08/2026
  • 0

Most people think Roth IRAs are off-limits once your income hits $161,000 (single) or $240,000 (married filing jointly). That’s wrong. You can still get money […]

Buy Your First Rental Property With Little Money Down: How to Buy Your First Rental Property With 3% Down

Buy Your First Rental Property With Little Money Down: How to Buy Your First Rental Property With 3% Down

  • Samantha Hart
  • 10/07/2026
  • 0

The safest low-cash path is to buy a small multifamily property, live in one unit, and rent the others. That strategy, usually called house hacking, […]

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