WELCOME, CRASHER
Money tips that respect your time.
WHAT WE DO
We can all be Money Crashers
Anyone, at any stage of life, can get good with money. It just has to be explained straight. That’s what we do, one short tip at a time.
Educate
Every tip teaches one useful thing and opens with the takeaway, in a box we call Just the Tip. No lectures, no jargon, no filler.
Research
We compare rates, fees, and current promotions side by side. You just pick from the winners.
Enrich
We work with top financial brands on offers and bonuses, and we flag the ones you can only get through us.
AS SEEN ON
Latest
New tips every day. Browse the latest, or get the next one in your inbox.
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Original Medicare Has No Out-of-Pocket Limit – Add One Before You Need Care
Original Medicare puts no yearly limit on your out-of-pocket costs. Cap them with a Medigap policy like Plan G or a Medicare Advantage plan. If you choose Medigap, buy it in your six-month open enrollment window, when insurers can’t turn you down or charge more for your health.
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Buy Medigap in Your Six-Month Window – Don’t Count on Fall Open Enrollment
Apply for a Medicare Supplement (Medigap) policy in the six months that start once you’re 65 or older and enrolled in Part B. In that one-time window, insurers can’t turn you down or charge more because of your health. In most states, Medicare’s fall open enrollment offers no second chance, so don’t wait for it.
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Best Medicare Supplement Insurance Companies – Same Benefits, Different Insurers
Every Medigap Plan G pays the same benefits no matter who sells it, so you’re choosing the insurer on price, service, and financial strength. Choose Mutual of Omaha if a large, established insurer matters more to you than the lowest premium, especially if you share a home and qualify for its household discount where it’s available.
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Losing Your Medicare Advantage Plan Gives You a Guaranteed Right to Medigap
If your Medicare Advantage plan is ending, you have a limited-time right to buy a Medicare Supplement (Medigap) policy without being turned down or charged more for your health. Use it by returning to Original Medicare instead of joining another Advantage plan, and apply before your old plan ends so your coverage has no gap.
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In Your 50s, Max Your Catch-Up Contributions and Build a Bond Cushion
From the year you turn 50, catch-up rules let you add $8,000 a year to a 401(k) and $1,100 to an IRA beyond the regular limits. Raise your contributions to use them. Shift gradually toward bonds until a few years of retirement withdrawals sit in bonds and cash, so a crash can’t force you to sell stocks low.
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Micro-Investing App Fees – $4 a Month Costs 9.6% a Year on $500
To see what a micro-investing app’s flat monthly fee costs you, multiply it by 12 and divide by your balance. On a small balance, that yearly percentage can be close to or above the 10% a year large U.S. stocks have averaged since 1928. Until it falls under 1%, invest through a broker with no account fee.
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Best Credit Cards for Costco – Its Own Card Wins Only at the Pump
Pay at Costco with a Visa, the only credit card its U.S. warehouses take. Get the Costco Anywhere Visa if you buy gas there, since it pays 5% on up to $7,000 a year. In the warehouse its 2% only matches a no-fee 2% card, and Robinhood’s Gold card beats it at 3% for a $50 yearly membership.
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Your Gut Sells Low and Buys High – Write Your Investing Rules Down First
Your gut tells you to sell after a drop and buy after a run-up, the reverse of buying low and selling high. While you’re calm, write a one-page plan that sets your mix of stocks and bonds, monthly buys, rebalancing date, and reasons to sell. Then automate what you can and follow the plan, not your gut.
WHY WE DO IT
Money Crashers’ mission
Money should work for you, not the other way around. We keep you on the right side of that deal with tips you can act on the day you read them.
We only write what’s useful.
Every post starts with the same question: how useful is this to our readers? When the honest answer is “not very,” we don’t publish it.
We do the homework so you don’t have to.
We run the numbers, read the fine print, and weigh the alternatives. You get the conclusion, not the pile of research.
Trust is our No. 1 priority.
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