<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>PlanPenny</title><link>https://planpenny.com/</link><description>Personal finance, insurance and budgeting — clear, unbiased, no hype.</description><language>en</language><item><title>Find Your Retirement Savings Gap Using Only Your Paystub</title><link>https://planpenny.com/find-your-retirement-savings-gap-using-only-your-paystub-60a42</link><guid isPermaLink="true">https://planpenny.com/find-your-retirement-savings-gap-using-only-your-paystub-60a42</guid><description>Grab one paystub and a calculator. These 6 steps show roughly how much you may need for retirement and what it could take per paycheck to close the gap.</description><pubDate>Mon, 09 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How to Save for a $1,000 Car Insurance Deductible Fast</title><link>https://planpenny.com/how-to-save-for-a-1000-car-insurance-deductible-fast-cc497</link><guid isPermaLink="true">https://planpenny.com/how-to-save-for-a-1000-car-insurance-deductible-fast-cc497</guid><description>Can&#x27;t cover your car insurance deductible? See what to save each month, where to find the cash, and what to do if you crash before you&#x27;re ready.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Where to Find Your Insurance Deductible and What It Means</title><link>https://planpenny.com/where-to-find-your-insurance-deductible-and-what-it-means-9cd57</link><guid isPermaLink="true">https://planpenny.com/where-to-find-your-insurance-deductible-and-what-it-means-9cd57</guid><description>Your deductible is on your policy&#x27;s declarations page. Learn how to read it for car, home and health plans, and what you would pay on a real claim.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Moving Your Emergency Fund to a New Bank Without a Cash Gap</title><link>https://planpenny.com/moving-your-emergency-fund-to-a-new-bank-without-a-cash-gap-8966f</link><guid isPermaLink="true">https://planpenny.com/moving-your-emergency-fund-to-a-new-bank-without-a-cash-gap-8966f</guid><description>Switching banks? Open the new account first, test a small transfer, and keep cash in the old one until it clears. Here is the safe order, step by step.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>401(k), HSA or Roth IRA? The Order to Fund Them First</title><link>https://planpenny.com/401k-hsa-or-roth-ira-the-order-to-fund-them-first-1454f</link><guid isPermaLink="true">https://planpenny.com/401k-hsa-or-roth-ira-the-order-to-fund-them-first-1454f</guid><description>Limited money to invest? Use this 6-step order for your 401(k) match, HSA, and Roth IRA, with 2026 limits and a $500-a-month example you can copy today.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Debt Management Plan Rules That Keep Your Payoff on Track</title><link>https://planpenny.com/debt-management-plan-rules-that-keep-your-payoff-on-track-f829a</link><guid isPermaLink="true">https://planpenny.com/debt-management-plan-rules-that-keep-your-payoff-on-track-f829a</guid><description>On a debt management plan? Learn the 9 rules that keep it alive, what one missed payment can cost, and how to build a small cushion on a tight budget.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Income Changed? When to Raise or Lower Your Deductible</title><link>https://planpenny.com/income-changed-when-to-raise-or-lower-your-deductible-bbc84</link><guid isPermaLink="true">https://planpenny.com/income-changed-when-to-raise-or-lower-your-deductible-bbc84</guid><description>A simple cash test and easy break-even math to decide when to raise or lower your car, home, or health deductible after your finances change.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Which Retirement Account to Fund First: A 5-Step Order</title><link>https://planpenny.com/which-retirement-account-to-fund-first-a-5-step-order-5e40d</link><guid isPermaLink="true">https://planpenny.com/which-retirement-account-to-fund-first-a-5-step-order-5e40d</guid><description>Have extra money for retirement? Use this 5-step order for your 401(k), HSA, and IRA, with 2026 limits and a real dollar example you can copy today.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>True Net Worth: What to Count and What to Leave Out</title><link>https://planpenny.com/true-net-worth-what-to-count-and-what-to-leave-out-89aa9</link><guid isPermaLink="true">https://planpenny.com/true-net-worth-what-to-count-and-what-to-leave-out-89aa9</guid><description>Your bank balance is not your net worth. Learn what to count, what to skip, and how taxes and home selling costs can change the number you think you have.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Pay Before the Statement Closes to Cut Credit Utilization</title><link>https://planpenny.com/pay-before-the-statement-closes-to-cut-credit-utilization-ddd5e</link><guid isPermaLink="true">https://planpenny.com/pay-before-the-statement-closes-to-cut-credit-utilization-ddd5e</guid><description>Paying on the due date can still show high utilization. Learn how paying before your statement closing date lowers the balance the bureaus see.</description><pubDate>Sun, 08 Nov 2026 08:00:00 GMT</pubDate></item><item><title>How Insurance Underwriters Judge Your Risk (and Your Price)</title><link>https://planpenny.com/how-insurance-underwriters-judge-your-risk-and-your-price-10000</link><guid isPermaLink="true">https://planpenny.com/how-insurance-underwriters-judge-your-risk-and-your-price-10000</guid><description>Underwriters use your age, health, driving record, home and credit data to set your premium. See what they check and what you can change first.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Debt-to-Income Ratio: How Lenders Read It and How to Cut It</title><link>https://planpenny.com/debt-to-income-ratio-how-lenders-read-it-and-how-to-cut-it-8b154</link><guid isPermaLink="true">https://planpenny.com/debt-to-income-ratio-how-lenders-read-it-and-how-to-cut-it-8b154</guid><description>Add your monthly debt payments, divide by your gross monthly income, multiply by 100. See worked examples, what lenders look for and 7 ways to lower it.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Risk Tolerance Changed? How to Rebalance Without Panic</title><link>https://planpenny.com/risk-tolerance-changed-how-to-rebalance-without-panic-8d71c</link><guid isPermaLink="true">https://planpenny.com/risk-tolerance-changed-how-to-rebalance-without-panic-8d71c</guid><description>Your comfort with risk shifted after a job change, a baby or a bad market. Here is a 6-step plan to adjust your portfolio slowly, cheaply and on purpose.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Pay Cut and Credit Card Debt: A Plan to Stay Current</title><link>https://planpenny.com/pay-cut-and-credit-card-debt-a-plan-to-stay-current-f5008</link><guid isPermaLink="true">https://planpenny.com/pay-cut-and-credit-card-debt-a-plan-to-stay-current-f5008</guid><description>Got a temporary pay cut? Protect your credit with this plan: a bare-bones budget, a script to ask your card issuer for a hardship program, and what to avoid.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Grocery Bill Audit: Cut Costs and Still Buy Your Favorites</title><link>https://planpenny.com/grocery-bill-audit-cut-costs-and-still-buy-your-favorites-17920</link><guid isPermaLink="true">https://planpenny.com/grocery-bill-audit-cut-costs-and-still-buy-your-favorites-17920</guid><description>Audit your grocery spending in 4 weeks without dropping the brands you love: track receipts, sort must-haves from habits, and cut waste first. Free method.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Got a Tax Refund? A Simple Plan That Protects Your Budget</title><link>https://planpenny.com/got-a-tax-refund-a-simple-plan-that-protects-your-budget-fe4ef</link><guid isPermaLink="true">https://planpenny.com/got-a-tax-refund-a-simple-plan-that-protects-your-budget-fe4ef</guid><description>Park it, wait 72 hours, then split it: bills, high-interest debt, emergency fund, fun. Example splits for a $2,000 refund and mistakes to avoid.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Credit Card Debt Before a Career Change: A 90-Day Plan</title><link>https://planpenny.com/credit-card-debt-before-a-career-change-a-90-day-plan-9b7dd</link><guid isPermaLink="true">https://planpenny.com/credit-card-debt-before-a-career-change-a-90-day-plan-9b7dd</guid><description>Switching careers with credit card debt? Build a cash cushion, cut your interest rate and protect your credit score before you quit, step by step.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Index Funds Explained: How They Work and How to Start</title><link>https://planpenny.com/index-funds-explained-how-they-work-and-how-to-start-c3320</link><guid isPermaLink="true">https://planpenny.com/index-funds-explained-how-they-work-and-how-to-start-c3320</guid><description>What is an index fund, how is it different from an ETF, and what are the real risks? A plain-English breakdown plus 6 steps to make your first purchase.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Find Hidden Subscription Charges on Your Bank Statement</title><link>https://planpenny.com/find-hidden-subscription-charges-on-your-bank-statement-e3917</link><guid isPermaLink="true">https://planpenny.com/find-hidden-subscription-charges-on-your-bank-statement-e3917</guid><description>A 9-step, one-hour audit to spot forgotten subscriptions, free trials that rolled over, and bank fees on your statements, plus how to cancel them.</description><pubDate>Sat, 07 Nov 2026 08:00:00 GMT</pubDate></item><item><title>Pay Off Debt or Build an Emergency Fund? Do Both This Way</title><link>https://planpenny.com/pay-off-debt-or-build-an-emergency-fund-do-both-this-way-a8454</link><guid isPermaLink="true">https://planpenny.com/pay-off-debt-or-build-an-emergency-fund-do-both-this-way-a8454</guid><description>You can pay down debt and build savings at once. This 4-stage plan shows how to split each paycheck, protect your credit, and stop new debt piling up.</description><pubDate>Fri, 06 Nov 2026 08:00:00 GMT</pubDate></item></channel></rss>