Schwab MoneyWise ®

Ask Carrie: Saving and Spending

Are You Thinking of Switching from a Full-Time Job to Full-Time Parent?

by Carrie Schwab-Pomerantz
May 05, 2021

Leaving your job to be a full-time parent has emotional, professional and financial implications. Be prepared.
How Can I Stop Living Paycheck to Paycheck?

by Carrie Schwab-Pomerantz
April 07, 2021

Living paycheck to paycheck can feel like you're on an endless financial treadmill. Here's how to jump off.
What Farmers Can Teach Us About Finances

by Carrie Schwab-Pomerantz
March 24, 2021

What do investors and farmers have in common? A lot. Enjoy some financial wisdom from those who work the land.
As You Build Your Financial Future, Heed the Advice of Richard Thaler

by Carrie Schwab-Pomerantz
March 17, 2021

Behavioral economist Richard Thaler shares his advice for a secure financial future.
New Financial Survey on Black Americans Is a Call to Action

by Carrie Schwab-Pomerantz
March 10, 2021

2020 Ariel-Schwab Black Investor Survey results give insight into financial inequalities—plus a signal of hope.
This International Women's Day, Let's Focus on Single Women

by Carrie Schwab-Pomerantz
March 03, 2021

Here's how single women—a growing segment of the population—can meet their unique financial challenges.
Struggling with Retirement Savings? Uncle Sam May Give You Extra Credit.

by Carrie Schwab-Pomerantz
February 24, 2021

The Saver's Credit is like a retirement match from Uncle Sam—if you qualify. Here's what you need to know.
Put 2021 on the Fast Track with a Financial Fartlek

by Carrie Schwab-Pomerantz
January 06, 2021

Applying the Swedish concept of fartlek training to your finances just might get you to your long-term goal faster.
Worried About Holiday Spending? This Is a Year to Think Differently

by Carrie Schwab-Pomerantz
November 18, 2020

Worried about your holiday budget? With a little creativity, you can be generous without spending a fortune.
7 Important Questions a Financial Plan Can Help You Answer

by Carrie Schwab-Pomerantz
October 07, 2020

Think you don't need a financial plan? Here are 7 important questions a financial plan can answer that may change your mind.
Are You Planning a Post-Pandemic Wedding?

by Carrie Schwab-Pomerantz
August 12, 2020

Did the pandemic change your wedding plans? This is a chance to rethink how much you spend and what's most important.
Seven Quick Hacks to Set Yourself Up for Financial Success

by Carrie Schwab-Pomerantz
August 04, 2020

Trying to improve your financial habits? Here are seven hacks to help you get on track—and stay there.
How Does the SECURE Act Impact Saving After Age 70?

by Carrie Schwab-Pomerantz
July 15, 2020

You're never too old to keep saving. And now the SECURE Act gives you added incentive—even past age 70.
Short on Cash? Carefully Consider Your Options

by Carrie Schwab-Pomerantz
June 30, 2020

Worried about selling in a volatile market? There's more than one way to come up with cash when you need it.
Laid Off and Worried About Money: What to Do Next?

by Carrie Schwab-Pomerantz
June 24, 2020

If you've lost your job, here are concrete steps you can take right now to help secure the present—and the future.
Survival Guide for New College Graduates in the Year of COVID-19

by Carrie Schwab-Pomerantz
June 10, 2020

For new graduates looking for a job in this difficult market, smart money management is crucial.
Redditors Asked Carrie These Financial Questions. Can You Relate?

by Carrie Schwab-Pomerantz
June 03, 2020

Times of crisis raise a lot of questions about how to manage your money. Here are three that are relevant today.
The Emotional Benefits of Strong Money Management

by Carrie Schwab-Pomerantz
May 27, 2020

Feeling financially anxious? Reduce stress by focusing on what you can control and creating a plan of action.
I’m in the Military. Should I Invest in a TSP?

by Carrie Schwab-Pomerantz
May 20, 2020

New changes in the military retirement system give greater importance to the Thrift Savings Plan (TSP). Here's why.
Stressed About Money? You’re Not Alone

by Carrie Schwab-Pomerantz
May 13, 2020

Feeling out of control of your finances takes a financial and emotional toll. These money management tips can help.
What Do Military Vets Need to Know About Their Finances?

by Carrie Schwab-Pomerantz
May 12, 2020

Veterans often face significant financial challenges as they return to civilian life. Here's how you can help them.
Looking for the Best Place to Stash Your Cash?

by Carrie Schwab-Pomerantz
April 21, 2020

There are many places to stash your cash, but the shorter your timeframe the more careful you need to be.
Today's New Financial Reality: How to Get Through the Tough Times

by Carrie Schwab-Pomerantz
April 08, 2020

Today's financial reality may mean creative budgeting, reducing expenses and getting help when needed. Here's how.
Women and Money: Why It's Important to Take Control of Your Finances

by Carrie Schwab-Pomerantz
March 04, 2020

Themes of equality and opportunity during Women's History month reinforce the importance of financial independence.
How Much Should You Be Saving?

by Carrie Schwab-Pomerantz
February 11, 2020

Everyone knows it's important to save. But how much? That depends on your goals and how long you have to reach them.
You're Saving. Should You Be Investing Too?

by Carrie Schwab-Pomerantz
January 29, 2020

You may have a sizable savings account, but don't stop there. Here's why simply saving may not be enough.
Financial Literacy: A Powerful Tool for Social Justice in 2020 and Beyond

by Carrie Schwab-Pomerantz
January 15, 2020

Financial literacy is a powerful tool for social justice.
10 Steps to Financial Security in 2020

by Carrie Schwab-Pomerantz
January 08, 2020

Are you financially ready for 2020? Here are 10 steps to help put you on track for greater security.
Money Management Tips For Couples Merging Households

by Carrie Schwab-Pomerantz
January 07, 2020

You're emotionally ready to move in together, but what about financially? Share your money concerns before sharing an address.
Are You Falling for These Financial Tricks?

by Carrie Schwab-Pomerantz
October 30, 2019

Here are 10 tricks we sometimes play on ourselves when it comes to money—and how to treat yourself better.
10 Steps to a DIY Financial Plan

by Carrie Schwab-Pomerantz
September 10, 2019

A financial plan doesn't require that you have a lot of money—and it doesn't have to cost you a penny.
Are Your Kids' Extracurricular Activities Straining Your Budget?

by Carrie Schwab-Pomerantz
August 28, 2019

Are your kids' extracurricular activities straining your budget? Don't go into debt. Plan ahead instead.
Are You Prepared for a Financial Emergency?

by Carrie Schwab-Pomerantz
August 21, 2019

Millions of Americans are unprepared for a financial emergency. Carrie provides clear-cut advice for creating a safety net.
Is It Time to Declutter Your Finances?

by Carrie Schwab-Pomerantz
July 31, 2019

Closing financial accounts you no longer need can be a good idea—but take special care with credit cards.
Is Social Media Ruining Your Finances?

by Carrie Schwab-Pomerantz
July 17, 2019

Is social media causing you to spend more than you can afford? Don't fall for FOMO.
A Millennial Asks: Is an HSA a Good Deal?

by Carrie Schwab-Pomerantz
July 03, 2019

For a young person, opting for an HSA has benefits that go beyond health insurance.
Is Your Wedding Your Top Financial Goal?

by Carrie Schwab-Pomerantz
June 19, 2019

A wedding is a magical day, but it can also be a big investment. How does it fit in with your other financial goals?
Top 10 Financial To-Dos for Today's Grads

by Carrie Schwab-Pomerantz
June 05, 2019

Graduation brings new freedoms but also new responsibilities—especially when it comes to money. Are you ready?
2019 Modern Wealth Survey Results Are In. How Do You Stack Up?

by Carrie Schwab-Pomerantz
May 29, 2019

The Schwab 2019 Modern Wealth Survey gives insights into how Americans view—and manage—wealth. Where do you fit in?
Launching a Student After College

by Carrie Schwab-Pomerantz
May 07, 2019

How can you help a new grad attain financial independence?
Are You Fooling Yourself When It Comes to Money?

by Carrie Schwab-Pomerantz
March 27, 2019

This April Fools' Day make sure you're not making some common—but foolish—money mistakes.
10 Financial Resolutions to Make—and Keep—Year After Year

by Carrie Schwab-Pomerantz
January 02, 2019

Do you make the same financial resolutions every year? When it comes to your money, that may be a good thing!
Millennials on FIRE: The Frugality Movement That’s Gaining Steam

by Carrie Schwab-Pomerantz
November 09, 2018

Some young people are embracing extreme savings methods in exchange for financial independence.
What's the Best Way to Invest Money Gifts for a New Baby?

by Carrie Schwab-Pomerantz
August 01, 2018

When investing money for a new baby, let your goals be your guide.
How Can I Explain the Power of Compound Interest to My Teen?

by Carrie Schwab-Pomerantz
July 25, 2018

When it comes to explaining compound interest, the numbers speak for themselves.
Mother's Day Tips for Teaching Your Kids about Money

by Carrie Schwab-Pomerantz
May 09, 2018

Moms play a lot of roles and financial coach should be one of them. Here are tips on how to do it.
Is Keeping Your Car Worth the Cost?

by Carrie Schwab-Pomerantz
April 30, 2018

Ditching one of your cars can save you money but there are trade-offs to consider before tossing away your keys.
Can Middle Schoolers Learn to Make Smart Money Choices?

by Carrie Schwab-Pomerantz
January 31, 2018

Learning about money is a hands-on experience. Give your kids financial responsibility and the lessons will follow.
Ten Simple Steps for Financial Success in the New Year

by Carrie Schwab-Pomerantz
January 03, 2018

It's great to have plans for 2018. It's even better to set a financial foundation so you can make them a reality.
Is It Better to Rent or Buy?

by Carrie Schwab-Pomerantz
December 20, 2017

Think you're ready to buy a home? Remember, it's as much an emotional decision as a financial one.
Tips for Finding Financial Advice

by Carrie Schwab-Pomerantz
November 15, 2017

Finding the right financial advice takes some in-depth thinking and research. Start here.
This Halloween, Don't Let These 10 Common Money Mistakes Creep Up On You!

by Carrie Schwab-Pomerantz
October 18, 2017

These 10 money mistakes are all too common. This Halloween, watch out!
How Do You Define Wealth?

by Carrie Schwab-Pomerantz
July 12, 2017

Is wealth a number or an attitude? Whatever your definition, you need to stay on top of what you have.
Just Starting Out? Take These Seven Steps Toward Financial Independence.

by Carrie Schwab-Pomerantz
June 28, 2017

Financial independence is a long-term effort but it starts right now with a few important steps.
Worried About Student Loan Debt? You’re Not Alone.

by Carrie Schwab-Pomerantz
June 07, 2017

When it comes to financial concerns for today's grads, student debt tops the charts. Here's what you can do about it.
Independent Contractors: Is Your Money Working as Hard as You Are?

by Carrie Schwab-Pomerantz
May 24, 2017

As an independent contractor, you're not only your own boss—you're your own CFO. And there's a lot to think about.
Ten Common Money Wasters—Don't Be Fooled!

by Carrie Schwab-Pomerantz
March 29, 2017

Just like an April Fools’ Day prank, these 10 common money wasters may take you by surprise. Don't be fooled!
Are You Ready for a Financially Healthy 2017?

by Carrie Schwab-Pomerantz
January 11, 2017

Need to detox your finances? This 30-day program can lead to lifelong financial health. Try it.
What's The Best Way to Invest for Your Grandchildren's College Education?

by Carrie Schwab-Pomerantz
May 25, 2016

Investing on behalf of your grandchildren is a wonderful—and generous—idea. But choosing the right investment account demands some thought.
It's Open Enrollment. HSA vs. FSA—What's the Difference?

by Carrie Schwab-Pomerantz
September 30, 2015

Open enrollment is a great time to plan for health care costs and get a tax break, too. Don't ignore it!

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