<?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>Does Deployment Change Your Life Insurance? What to Check</title><link>https://planpenny.com/does-deployment-change-your-life-insurance-what-to-check-eca46</link><guid isPermaLink="true">https://planpenny.com/does-deployment-change-your-life-insurance-what-to-check-eca46</guid><description>What happens to SGLI and private life insurance when you deploy: war exclusions, lapse protection, beneficiaries and a 30-day pre-deployment checklist.</description><pubDate>Thu, 29 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Split Your Emergency Fund Across 3 Accounts the Safe Way</title><link>https://planpenny.com/split-your-emergency-fund-across-3-accounts-the-safe-way-a8120</link><guid isPermaLink="true">https://planpenny.com/split-your-emergency-fund-across-3-accounts-the-safe-way-a8120</guid><description>A three-bucket plan for your emergency fund: how much goes in checking, in a high-yield savings account and in a no-penalty CD, all FDIC insured.</description><pubDate>Thu, 29 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How Much Should You Have Saved for Retirement by 30?</title><link>https://planpenny.com/how-much-should-you-have-saved-for-retirement-by-30-16627</link><guid isPermaLink="true">https://planpenny.com/how-much-should-you-have-saved-for-retirement-by-30-16627</guid><description>A common target is one year of salary saved by 30. Do the 5-minute math to find your number, what counts as savings, and how to catch up if you&#x27;re behind.</description><pubDate>Thu, 29 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Budget Groceries Across 3 Stores Without Overspending</title><link>https://planpenny.com/how-to-budget-groceries-across-3-stores-without-overspending-c0191</link><guid isPermaLink="true">https://planpenny.com/how-to-budget-groceries-across-3-stores-without-overspending-c0191</guid><description>Shopping at a warehouse club, a discount store, and a supermarket? Set one total, split it into three envelopes, and use a carry-over rule for bulk buys.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Missed a Life Insurance Payment? Here&#x27;s What Happens Next</title><link>https://planpenny.com/missed-a-life-insurance-payment-heres-what-happens-next-8acff</link><guid isPermaLink="true">https://planpenny.com/missed-a-life-insurance-payment-heres-what-happens-next-8acff</guid><description>Still covered for 30 days after a missed premium. What happens when the grace period ends, how to reinstate a lapsed policy, and options if money is tight.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Rent Just Went Up? How to Keep Saving Without Going Broke</title><link>https://planpenny.com/rent-just-went-up-how-to-keep-saving-without-going-broke-e7281</link><guid isPermaLink="true">https://planpenny.com/rent-just-went-up-how-to-keep-saving-without-going-broke-e7281</guid><description>A one-weekend plan for a surprise rent increase: which bills to cut first, how to shrink savings without stopping, and a 30-day test for whether to move.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Build a Dividend Portfolio With Just $50 a Month</title><link>https://planpenny.com/how-to-build-a-dividend-portfolio-with-just-50-a-month-76702</link><guid isPermaLink="true">https://planpenny.com/how-to-build-a-dividend-portfolio-with-just-50-a-month-76702</guid><description>Yes, $50 a month is enough for a dividend portfolio. See real numbers over 5 to 30 years, which account to open first, and the fund checks that matter.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Close an Old Credit Card Without Hurting Your Score</title><link>https://planpenny.com/how-to-close-an-old-credit-card-without-hurting-your-score-b57be</link><guid isPermaLink="true">https://planpenny.com/how-to-close-an-old-credit-card-without-hurting-your-score-b57be</guid><description>Closing an old credit card can drop your score if you do it in the wrong order. Follow these 7 steps to close it with little or no change to your score.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Find Hidden Life Insurance Exclusions in 5 Simple Steps</title><link>https://planpenny.com/find-hidden-life-insurance-exclusions-in-5-simple-steps-eb295</link><guid isPermaLink="true">https://planpenny.com/find-hidden-life-insurance-exclusions-in-5-simple-steps-eb295</guid><description>Stop paying for coverage that won&#x27;t pay out. Learn exactly where to look in your policy to find hidden exclusions and avoid surprise denials.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Savings Rate With Several Incomes: A Simple Way to Do It</title><link>https://planpenny.com/savings-rate-with-several-incomes-a-simple-way-to-do-it-ddbe3</link><guid isPermaLink="true">https://planpenny.com/savings-rate-with-several-incomes-a-simple-way-to-do-it-ddbe3</guid><description>Paycheck, side gig, rental, tips? Add every dollar the same way, subtract taxes, and get one honest savings rate. Step-by-step with a worked example.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Do Minimum Credit Card Payments Hurt Your Credit Score?</title><link>https://planpenny.com/do-minimum-credit-card-payments-hurt-your-credit-score-f6918</link><guid isPermaLink="true">https://planpenny.com/do-minimum-credit-card-payments-hurt-your-credit-score-f6918</guid><description>Paying the minimum on time protects your score, but a high balance still drags it down. See the math, the timing rules, and what to pay instead.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Retirement Savings Goal: Work Backward From Your Expenses</title><link>https://planpenny.com/retirement-savings-goal-work-backward-from-your-expenses-6e495</link><guid isPermaLink="true">https://planpenny.com/retirement-savings-goal-work-backward-from-your-expenses-6e495</guid><description>List what you will spend, subtract Social Security, adjust for inflation, then multiply the gap. A 5-step retirement math example you can copy today.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Life Insurance Risk Classes: How Underwriters Set Your Rate</title><link>https://planpenny.com/life-insurance-risk-classes-how-underwriters-set-your-rate-1ecdb</link><guid isPermaLink="true">https://planpenny.com/life-insurance-risk-classes-how-underwriters-set-your-rate-1ecdb</guid><description>See how insurers pick your life insurance risk class, from Preferred Plus to table ratings, what moves you up or down, and how to prep before applying.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>How to Write a Goodwill Letter to Remove Late Fees</title><link>https://planpenny.com/how-to-write-a-goodwill-letter-to-remove-late-fees-1a2ff</link><guid isPermaLink="true">https://planpenny.com/how-to-write-a-goodwill-letter-to-remove-late-fees-1a2ff</guid><description>Learn exactly how to write a goodwill letter to remove late payments. Get a free template, step-by-step guidance, and tips to improve your credit score.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>A Monthly Budget for People Who Hate Math: 3 Numbers Only</title><link>https://planpenny.com/a-monthly-budget-for-people-who-hate-math-3-numbers-only-59dc7</link><guid isPermaLink="true">https://planpenny.com/a-monthly-budget-for-people-who-hate-math-3-numbers-only-59dc7</guid><description>Hate math? Build a monthly budget with just three numbers: what comes in, what must go out, and what&#x27;s left. Simple steps, an example, no spreadsheets.</description><pubDate>Wed, 28 Oct 2026 08:00:00 GMT</pubDate></item><item><title>High vs. Low Deductible for Teen Drivers: The Smart Choice</title><link>https://planpenny.com/high-vs-low-deductible-for-teen-drivers-the-smart-choice-2a5b5</link><guid isPermaLink="true">https://planpenny.com/high-vs-low-deductible-for-teen-drivers-the-smart-choice-2a5b5</guid><description>Confused by high or low deductibles for your teen? Learn the real cost difference and pick the option that protects your budget best.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Car Repair Sinking Fund: How Much to Save Each Month</title><link>https://planpenny.com/car-repair-sinking-fund-how-much-to-save-each-month-196d3</link><guid isPermaLink="true">https://planpenny.com/car-repair-sinking-fund-how-much-to-save-each-month-196d3</guid><description>Build a car repair sinking fund with a simple yearly worksheet, divide by 12, and automate it so the next brake job doesn&#x27;t land on a credit card.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Roth or Traditional IRA for Index Funds: How to Decide</title><link>https://planpenny.com/roth-or-traditional-ira-for-index-funds-how-to-decide-14c54</link><guid isPermaLink="true">https://planpenny.com/roth-or-traditional-ira-for-index-funds-how-to-decide-14c54</guid><description>Roth or Traditional IRA for your index funds? Use a simple 4-question test and a clear example to see which account keeps more of your money.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Find Forgotten Subscriptions in Your Bank Statement Fast</title><link>https://planpenny.com/find-forgotten-subscriptions-in-your-bank-statement-fast-20cde</link><guid isPermaLink="true">https://planpenny.com/find-forgotten-subscriptions-in-your-bank-statement-fast-20cde</guid><description>A step-by-step way to scan 12 months of bank and card statements, spot forgotten subscriptions, cancel them, and stop new ones from sneaking back in.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item><item><title>Check Your Credit Report Free Without Lowering Your Score</title><link>https://planpenny.com/check-your-credit-report-free-without-lowering-your-score-38438</link><guid isPermaLink="true">https://planpenny.com/check-your-credit-report-free-without-lowering-your-score-38438</guid><description>Checking your own credit report never lowers your score. Here is where to get it free, what to look for line by line, and how to dispute an error.</description><pubDate>Tue, 27 Oct 2026 08:00:00 GMT</pubDate></item></channel></rss>