https://planpenny.com/Personal finance, insurance and budgeting — clear, unbiased, no hype.enhttps://planpenny.com/personal-finance-basics-9-things-nobody-tells-beginners-d9befhttps://planpenny.com/personal-finance-basics-9-things-nobody-tells-beginners-d9befTrack spending first, build a starter emergency fund, kill high-interest debt, then invest. The 9 money basics beginners learn the hard way, in order.Fri, 18 Sep 2026 08:00:00 GMThttps://planpenny.com/13-retirement-savings-mistakes-that-quietly-cost-you-fe75ahttps://planpenny.com/13-retirement-savings-mistakes-that-quietly-cost-you-fe75aMissing the 401(k) match, cashing out old accounts, high fees: 13 retirement savings mistakes and the one simple step that fixes each of them.Fri, 18 Sep 2026 08:00:00 GMThttps://planpenny.com/getting-out-of-debt-8-things-to-check-before-you-pay-more-d1ca8https://planpenny.com/getting-out-of-debt-8-things-to-check-before-you-pay-more-d1ca8Before you put extra money on debt, check these 8 things: every balance and rate, due dates, your credit report, a small cushion and which payoff plan fits.Fri, 18 Sep 2026 08:00:00 GMThttps://planpenny.com/what-life-insurance-underwriters-check-before-you-apply-05ad6https://planpenny.com/what-life-insurance-underwriters-check-before-you-apply-05ad6Underwriting starts with records, not the blood test. 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Check these 10 things first, in this order: cash flow, due dates, debt rates, emergency fund, credit report, fees and more.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/retirement-savings-mistakes-13-warning-signs-to-fix-now-b8fafhttps://planpenny.com/retirement-savings-mistakes-13-warning-signs-to-fix-now-b8fafLeaving the 401(k) match on the table, cash sitting uninvested, high fees: 13 retirement savings mistakes, how to spot each one, and what to do this week.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/how-to-get-out-of-debt-a-7-step-plan-for-real-beginners-3746chttps://planpenny.com/how-to-get-out-of-debt-a-7-step-plan-for-real-beginners-3746cList what you owe, stop new debt, then pick snowball or avalanche. A plain 7-step debt payoff plan, plus what to do if you can't pay the minimums.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/save-money-fast-9-myths-that-keep-your-account-empty-7bda6https://planpenny.com/save-money-fast-9-myths-that-keep-your-account-empty-7bda6Skipping coffee won't fix your savings. See 9 money myths, the facts behind them, and a one-week checklist to free up cash from your biggest bills.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/auto-insurance-comparison-match-these-lines-before-price-1b71ahttps://planpenny.com/auto-insurance-comparison-match-these-lines-before-price-1b71aShort on time? Compare car insurance quotes the right way: match coverage limits, pick a deductible you can pay, and spot the gaps that cost you later.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/personal-finance-basics-the-first-10-things-to-check-now-bb9dehttps://planpenny.com/personal-finance-basics-the-first-10-things-to-check-now-bb9deNew to money management? Follow this 10-step personal finance checklist in the right order: pay, bills, debt, emergency fund, credit and more.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/retirement-savings-mistakes-13-signs-your-plan-is-off-track-09fbahttps://planpenny.com/retirement-savings-mistakes-13-signs-your-plan-is-off-track-09fbaMissing your match, money stuck in cash, hidden fees? Check 13 retirement savings warning signs and the simple fix for each one, step by step.Wed, 16 Sep 2026 08:00:00 GMThttps://planpenny.com/how-to-get-out-of-debt-a-7-step-plan-for-beginners-7fd13https://planpenny.com/how-to-get-out-of-debt-a-7-step-plan-for-beginners-7fd13List your debts, stop new charges, and pay one off at a time. A simple 7-step plan to get out of debt, with avalanche and snowball examples.Wed, 16 Sep 2026 08:00:00 GMT