Love bargain hunting? So do we, check out Amazon’s Daily Deals … and see what you can find today!
We’re different from other personal finance “experts.” We’re maximalists who focus on growing income and wealth, rather than cost cutting, to use money to become truly free.
20 money strategies from a Wharton MBA will ave you thinking about your finances in a new way.
2023 state-by-state cost of living report. We break down all the data and find the cheapest place to live.
Financial products ‘stacks.’ We find the best financial products in each category.
We want, and we want you to get, the most out of life.
That doesn’t mean skipping coffees until you’re 65 just to scrimp by in retirement when you’re already old, like most personal financial advice will tells you to do.
We believe the path to financial freedom is through focusing on growing income, not cost cutting.
Most personal finance advice is not written by true experts. We’re different. Our writers and editors:
A reader writes in to reach out for help with balancing their emerging career with their new Mom responsibilities ...Fact checked by John Wayman Dear Personal Finance Guru, I am a devoted mother of two beautiful children, and I find myself torn between my desire to...
Don't apply to the Victoria's Secret Credit Card without reading our review first! We go through the benefits and risks, and pros and consFact checked by John Wayman If you're a frequent shopper at Victoria's Secret, you might want to consider applying for a credit...
Are you curious about what is the difference between a charge card and a credit card? Not to worry, we've got you covered with all the details and a clear explanation. Fact checked by John Wayman When it comes to managing your finances, there are many tools at your...
Thinking about ditching your savings accounts and wondering how do money market accounts work? We've got you covered...Fact checked by John Wayman Are you looking for an investment option that offers reasonable returns with easy accessibility? You might want to...
Thinking about getting a new bank account and wondering how many bank accounts can you have? We reveal the answer...Fact checked by John Wayman If you're like most people, you probably have one or two bank accounts that you use for handling your finances. However,...
Need a credit card fast? Store credit cards tend to have the easiest approvals. We pick the Top 5 easiest store credit cards to getFact checked by John Wayman If you're looking to improve your credit score or just want to take advantage of store-specific promotions,...
Thinking about getting a credit card from your favorite store? Many have tempting offers, but is it worth it? We explain...Fact checked by John Wayman Are you looking for ways to save money while shopping? If so, you may have been offered a store credit card at a...
Love to find the bargains and shop a lot at TJ Maxx? You might be considering if the TJ Maxx credit card is worth it ... we break it down for you ... Fact checked by John Wayman If you love finding the deal, you probably shop at places like, T.J. Maxx, Marshalls, and...
If you're a bargain hunter and love to hunt through Marshalls, you might be wondering if the Marshalls credit card is worth it. We take a careful look at the features, benefits, pros, and cons. Fact checked by John Wayman If you're a big bargain shopper like we are...
Frequent Container Store shopper and thinking about if the Container Store Credit Card is worth it? We have you covered and break down the pros and cons.Fact checked by John Wayman If you're a regular shopper at the Container Store, you might have considered getting...
Are you wondering: Can I Build Credit with a Store Credit Card? We give you the quick answer plus all the nuances if you're curious...Fact checked by John Wayman Can I Build Credit with a Store Credit Card? An Overview of the Benefits and Risks In today's world,...
The Yotta Credit Card is easily the most unique and differentiated card we've been. We explain the details...Fact checked by John Wayman Discover the Benefits of Yotta Credit Card In today's fast-paced world, credit cards have become an essential financial tool. They...
Have a credit card you haven't used in awhile and wondering what happens if you don't use your credit card? We break it down...Fact checked by John WaymanCredit cards are ubiquitous and have simplified our financial lives in many ways. They offer convenience,...
Are you a little tired of constantly having to renew your credit cards and wondering Why Do Credit Cards Expire? We reveal the answer!Fact checked by John WaymanUnderstanding Why Credit Cards Expire Credit cards have become a necessity in today's world. They enable us...
Considering a few different types of loans? Are credit cards in the mix and you're wondering are credit cards installment or revolving?Fact checked by John WaymanIf you're confused about credit cards, don't worry - you're not alone. Here, we’ll break down the basics...
Confused about how credit card interest rates work? Wondering are credit cards fixed or variable rate? We explain it all...Fact checked by John WaymanUnderstanding the Difference Between Fixed and Variable Rate Credit Cards Credit cards have become an essential tool...
Do you own or run a small business? If so, you've probably wondered this common question: Are Credit Card Fees Tax Deductible?Fact checked by John WaymanA Guide to Understanding the Tax Implications of Credit Card Fees Credit cards are a convenient way to make...
Need to build credit and thinking about getting a secured card? We answer just how much will a secured credit card raise my score?Fact checked by Cathy Gresham If you’re looking to improve your credit score, a secured credit card may be a viable option. However,...
Are your credit card bills starting to pile up and you're wondering just how much credit card debt is too much?Fact checked by Cathy Gresham How Much Credit Card Debt Is Too Much? A Guide to Managing Your Debt Credit cards can be a great tool for managing your...
Ever wonder why are some credit cards metal and other aren't? Maybe you have a friend with one and are curious...Fact checked by Cathy Gresham Why Are Some Credit Cards Made of Metal? Credit cards have come a long way since they were first introduced in the early 20th...
Every wonder why are some restaurants charging credit card fees, while others do not? We explain what's going on behind the scenes Fact checked by Cathy Gresham I love to eat at restaurants. Probably too much. ? My wife and I probably dine out at least twice a week...
Need a new bank? Or maybe you're picking one for the first time. We've got you covered with our guide on how to choose a bank ...Fact checked by Cathy Gresham As a seasoned finance professional with years of experience in the finance and banking industry, I have come...
Getting rejected by credit cards despite having good credit? It happens, we walk through likely causes of the issue below.Fact checked by Cathy Gresham You've worked hard and been disciplined to earn your high credit score. But now, you're application for a new credit...
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If you're struggling to get your cards paid off, you're probably wondering which credit card to pay off first...Fact checked by Cathy GreshamPaying off your credit card can be super stressful. In addition to mounting debt, you probably feel like you have a small army...
Founder/Owner/Editor/Author
Cody is the founder and owner of Personal Finance Guru. His day job is as a management consultant at one of the Top 3 firms (think Mckinsey, Bain), where he advises Fortune 500 C-suite clients on their most important and pressing business problems. He completed his business education at Harvard Business School.
After seeing the lack of personal finance education for regular people, Cody started the website with the mission to provide everyone access to information that will help them achieve their financial goals.
Cody approaches personal finance from a maximalist perspective, shunning typical advice around simply not buying a cup of coffee instead of more effective methods like investing in yourself to quickly grow your income.
He believes in saving money and investing for the future, but he also knows that you need to enjoy life today. That’s why Cody approaches money with a sense of humor and a positive attitude. He knows that if you’re not having fun while you’re growing your wealth, then what’s the point?
Cody approaches life with the same gusto that he brings to personal finance. He loves to travel and experience new cultures, and he is an avid reader and learner. He also enjoys playing sports (especially tennis) and spending time with his family and friends.
Editor & Author
Cathy Gresham is a finance whiz.
After earning her MBA from The Wharton School, she has worked in strategy at some of the world’s largest and most influential financial companies for 20+ years. Notably, she has worked for the biggest credit card issuers and networks and brings an insider’s perspective to how credit card products work behind the scenes.
Cathy is passionate about personal finance and investing, and loves helping people learn about these complex topics. Her wit and humor make learning about money fun, and she’s always happy to share her knowledge with others.
Cathy enjoys spending time with her family and friends when she’s not crunching numbers or developing investment strategies. She’s also an avid runner, and can often be found pounding the pavement on her morning jog.
Author
John has always been fascinated by money, wealth, and investing. He got a front row seat into how Ultra High Net Worth individuals, families, and entities manage their money while working for years in Goldman Sachs’ Private Bank.
He learned a great deal about personal finance and wealth management from some of the most experienced professionals in the industry.
Now he enjoys helping all kinds of people grow their wealth and achieve their financial goals.
When he’s not advising clients, Cody enjoys playing golf and spending time with family and friends.
At Personal Finance Guru, we want to help you maximize your lifestyle through personal finance. You can trust the integrity of our independent financial advice. Our opinions are our own and have not been provided, reviewed, approved, or endorsed by any advertiser or financial product provider. To support and grow the site, however, we may receive compensation from the issuers of some products.