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To help you nip some of these irrational (and often pervasive) bad money decisions in the bud, we’ve mapped out the most common overspending traps that tend to trip up people throughout the course of the day—and then offered tips for subverting them.

A Day In The Life Of An Overspender: 9 Money Traps -- And How to Avoid Them Every hour of the day presents a spending temptation. So we've mapped out a 24/7 guide to common overspending money traps to watch for—and banish.

After 20 years, is the 4% rule still relevant? Most planners interviewed say yes — but only as a rule of thumb, and certainly not for everyone.

Retirement: Is the 4% rule still relevant? Is the 4% rule, which has guiding financial plans for years, still relevant for retirees?

The EITC is available to anyone who files a return, with varying credit amounts depending on your level, your marital status and how many you have.

The $65 Billion Tax Credit You Don't Have to Be Rich to Get More than 27 million taxpayers were eligible for the earned income tax credit last year. Did you claim your share?

Wishing you a successful 2015!

There’s still time to do some important moves to ensure that your tax bill is as low as possible for the 2014 tax year.

The Four Best Year-End Tax Planning Tips I don't know about you, but the time between Christmas and New Year's I'm wrapping up the year by collecting receipts and statements for tax preparation. It's not fun, but I want to get a leg up on getting the best tax breaks for the year. There's still time to do some [...]

Wishing you a wonderful holiday full of joy & laughter!

if you’re willing to overlook a few of his, shall we say, flaws, good old Scrooge also possessed some qualities that make him a pretty decent role model for achieving a secure and meaningful .

What Scrooge Can Teach You about Retirement Planning Sure, he was tight-fisted. But Scrooge's money habits are a useful model for reaching your retirement goals.

Be careful to whom you actually listen to. It can be detrimental to your . There are some advice givers you should ignore.

5 Financial Advice Givers You Need To Ignore You've probably needed some money advice recently. Whether that was about saving, spending or investing. The thing is, money advice comes at you from every direction and there is an endless supply of it. Who did you turn to? Family, friends, online ...

To help come up with some creative , USA TODAY asked five leading national experts to offer their ideas. Here are their suggestions:

Retirement: New Year's resolutions for wealth, health Some possible New Year's resolutions: Start thinking about your taxes for next year, get up and moving, focus on being healthy,

This is a case study for what one of my clients recently did with approximately one million dollars to create a tax-free while having access to his .

Tax-Free Risk-Free Income | David Hoyt | Hoyt Financial Group One should always have safe and tax-free income if they are able!