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  • December 17, 2025
  • Dhruva
  • Investment

Inflation-Protected Bonds Fail a Key Test: Do TIPS Really Help When Inflation Is High?

Inflation manifests itself in various forms, such as grocery store prices, rent renewals, and the long-term calculations of retirement. If you’re a saver or a retiree living on “safe”...
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  • December 14, 2025
  • Dhruva
  • Saving Strategies

Debt Snowball vs Avalanche: Which Payoff Method Fits You?

If you’ve Googled “Debt Snowball vs Avalanche: Which Payoff Method Fits You?”, you’re probably not asking for theory. You want a plan you can follow, keep following, and finish....
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First, What a U.S. Credit Report Is
  • December 14, 2025
  • Dhruva
  • Money Basics

How to Read Your U.S. Credit Report

If you’ve ever opened a credit report and felt your brain go, “nope”, you’re not alone. How to Read Your U.S. Credit Report (Without Freaking Out) is less about...
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Credit Score 101 How U.S. Beginners Build a 700+ FICO
  • December 13, 2025
  • Dhruva
  • Money Basics

Credit Score 101: How U.S. Beginners Build a 700+ FICO

Developing a robust U.S. Building a strong credit score in the U.S. can be a challenging process. credit score can be a challenging process. Developing a robust U.S. economy...
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Budgeting for Car Ownership in the U.S Upfront, Monthly & Surprise Costs
  • September 14, 2025
  • Dhruva
  • Budgeting Tips

Budgeting for Car Ownership in the U.S : Upfront, Monthly & Surprise Costs

Introduction: Why Car Ownership Budgeting is Essential Owning a car in the United States is more than just monthly payments and fuel-ups—it’s a complex puzzle of predictable and surprise...
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  • September 10, 2025
  • Dhruva
  • Investment

Investment Psychology: 10 Biases That Cost You Money

You can have a solid plan, a careful budget, and the best spreadsheet on earth, yet still make painful mistakes with money. The reason is simple. We are human....
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  • September 10, 2025
  • Dhruva
  • Investment

Investment Starter Plan: Your First 5 U.S. Investments for Simple, Diversified Growth

Investing involves placing money into assets that have the potential to grow or generate income over time. Saving is parking cash for near-term needs. You need both, yet they...
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  • September 10, 2025
  • Dhruva
  • Investment

FIRE Investment Guide: Lean vs. Fat FIRE and How to Pick Your Path

The FIRE movement is about financial independence so you can retire early or simply work on your terms. At its heart is a simple idea. When your passive income...
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  • September 7, 2025
  • Dhruva
  • Investment

Investment Mistakes 101: The 7 Beginner Errors Costing You Money and How to Avoid Them

Starting your first investment can feel like learning a new language while juggling. There are charts, funds, fees, risk levels, and a constant stream of opinions. The encouraging part...
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  • September 7, 2025
  • Dhruva
  • Investment

Risk vs. Return in Investment: A Personality-Based Playbook to Build a Portfolio You Can Actually Stick With

Risk is the possibility that an outcome is different from what you expect, including the chance of loss. Return is the gain you hope to earn for taking that...
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