All posts by Ellaine, NP

When I graduated as a nurse practitioner, I was faced with a dilemma: Should I pay off my student loans first or should I start investing? It’s really an age old question but very common.  To answer this question, we’ll first have to analyze your student loan interest rate vs. the investing expected return. Student Loan Interest …

In reality, almost everything has risks. When you invest, you take a certain level of risk. There are different types of risks when it comes to investing.  There is no guaranteed return for any type of investments. Typically, the higher the risk, the higher the reward. This is why it’s very important to assess your risk tolerance …

Back when I didn’t know anything about personal finance, I used to always look at my bank account and wondered where all my money went.  If you feel the same, you might be making one or few of these money mistakes.  We’ve all made money mistakes and you know what? That’s ok! All we can do is learn …

Life can be crazy and unpredictable, in ways we cannot even imagine especially during the last two years dealing with this pandemic.  Most people got laid off, lost their jobs and unable to cover their basic finances. According to new data from GoBankingRates, 69% of Americans have less than $1,000 saved in cash…and a staggering 45% have $0 …