Dr.Emily Spencer

Proven salary negotiation scripts and strategies for 2025 — whether you are accepting a job offer or asking for a raise at your current employer.

Discover 20 proven strategies to save money on groceries and cut your food bill by $200-600/month. Meal planning, Aldi vs Kroger, couponing, and more for US families.

Debt snowball vs avalanche — which method gets you out of debt faster? Compare both strategies with real numbers and find out which approach fits your situation best.

Learn how zero based budgeting works step by step. Assign every dollar a purpose, eliminate debt faster, and save thousands using this proven US personal finance system.

Personal loan vs credit card — compare interest rates, fees, and use cases to decide which is the smarter borrowing option for your financial situation.

Learn the 7 proven steps to improve your credit score fast — from disputing errors to reducing utilization — and watch your score climb in 30 to 60 days.

Learn how to file your federal and state taxes completely free in 2025 — with IRS Free File, Direct File, and the best free tax software options.

Compare the best car insurance companies of 2025 and learn how to cut your premiums by hundreds of dollars without sacrificing coverage.

Learn how to invest in index funds as a beginner — from choosing a brokerage to buying your first fund — and start building wealth with as little as $100.

Home equity loan vs HELOC — understand the key differences, pros and cons, and which option makes more financial sense for your situation in 2025.