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Smart Money

Ibotta Review Cover Image
Smart Money

Is Ibotta Legit? Is it Worth it? The Ultimate Review

December 19, 2019 - by Philip at Avocadoughtoast - Leave a Comment
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So I finally decided to write my Ibotta review. I talk about Ibotta a lot on this site. Here’s why: I used to clip coupons for maybe a month before …

The opportunity cost of holding money
Smart Money

The Opportunity Cost of Holding Your Money in Cash

July 7, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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Do you have a stash of cash under your mattress? There are many reasons why you could be holding your money in cash instead of doing something else with it: …

11 short-term financial goals
Smart Money

11 Short-Term Financial Goals You Should Achieve This Year

December 5, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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It’s a brand new year. Are your finances where you want them to be? If you’re like me, then you’re probably shaking your head in disappointment. Instead of setting an …

Smart Money

What is Financial Independence and How to Achieve it

October 27, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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What is financial independence? I want you to take a second and imagine what your life would be like if you didn’t have to work. If all your financial worries …

Personal Capital review
Smart Money

Personal Capital Review: My #1 favorite personal finance tool

December 17, 2019 - by Philip at Avocadoughtoast - Leave a Comment
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I think you’ll agree with me when I say that there’s something very addicting to tracking your net worth. Watching my money grow is one of my guilty pleasure – …

what is 6 figures?
Smart Money

How Much is 6 Figures? Here’s What 6, 7, 8 and 9 Figures Actually Means!

November 18, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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We’ve all heard something like: “He has a six-figure salary”. If you don’t know what having a 6 figure salary means, don’t worry. You’re not alone. How much is 6 …

Dave Ramsey Total Money Makeover Review
Smart Money

Total Money Makeover Review: my review of Dave Ramsey’s book

September 24, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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The Total Money Makeover, written by Dave Ramsey, is near the top of pretty much all “best personal finance book” lists. And rightfully so. It’s sold over 4 million copies. …

Smart Money

How to calculate your income percentile

December 17, 2019 - by Philip at Avocadoughtoast - Leave a Comment
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Are you in the 1% or closer to the 99%? We all like to compare ourselves to other people. It’s unavoidable and happens in every industry, fashion, fitness, and yes, …

Dave Ramsey's 7 Baby Steps Header
Smart Money

Dave Ramsey’s 7 Baby Steps Summarized

September 24, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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I’m sure you’ll agree with me when I say that getting your financial life in order is not easy. It’s way too easy to become overwhelmed when it comes to …

Smart Money

What is a Credit Score: A Primer

September 24, 2020 - by Philip at Avocadoughtoast - Leave a Comment
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We all have a general idea of what “credit score” means but how many of you can define it in concrete terms? Credit Score Definition: Here’s the definition of a …

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