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The earlier you start saving for college, the more you can benefit from the power of compound interest. Compound interest refers to the process of earning interest not only on your initial investment but also on the accumulated interest over...

Proof of work consensus means you must exert energy to produce something of value. This idea also translates across time because young adults use energy to create value to store later in time in old age to use when necessary....

Buying a used car can be a very scary endeavor . The sentiment of buying something someone else has used naturally makes one question the whole process . However, Cars are one of the most turned around commodity in the...

Have you been wondering how to build your credit score? In your financial life, the three-digit number that lenders use to decide the likelihood in which they will be recompensed on time if they grant you a loan or a...

Our number one goal at Middle class investing is to help readers improve their financial lives, and we regularly partner with companies that share that same vision. Some of the links in this post may be from our partners. Here’s...

Growth stocks are companies that are expanding their profits (or revenues) at a faster-than-average pace enabling their investors to earn big returns through capital appreciation . Ever Wonder why people invest in growing companies that are sometimes NOT Profitable ?...

An index fund is a type of fund with an underlying portfolio built to track the components of a specific financial market, such as the Standard & Poor’s 500 Index (S&P 500) These funds are equally distributed among the underlying...

Online jobs are becoming more popular because of the ease of access and comfort from working from your own living room. Doesn’t matter if you stay at home with the Kids or work full time and want to earn a...

HSA accounts are a Triple Tax Advantaged account that puts money pre-tax directly from your paycheck, Grows tax free and is withdrawn tax free specifically for medical reasons. Health Savings Accounts (HSA) is the best retirement fund and investment vehicle...

This will be a compilation of the best credit cards of 2019 and beyond . Many people own different types of credit cards but they are a blessing and a curse at the same time. Having credit cards allows you...

Dividends are payouts from companies that are rewarded for being shareholders and stock owners of that specific company.  A quality dividend portfolio can help you generate safe, steadily growing income each year whether stock prices move up or down. With...

The best house resale upgrades for your NOT forever house are the ones that bring in the most increase in house value. The more you can increase the price of your house by doing these upgrades the better you have...

Buying your first house is one of the most , if not the most important life decision for a middle class family. But there are some things you should consider before attempting to buy a house. There are many families...

A 401(K) is a type of retirement account that allows you to invest in the stock market pre tax and defers that payment until your retirement.  Retirement accounts are miracles in the modern world, They efficiently insured people future by...

Buying a house is exciting, but it’s a long process that can be filled with emotional highs and lows. If home buyers make too many of their decisions based on emotions alone, they’ll run the risk of buying a home...

Financial Independence is to live stress free because you have Savings so even if you lose your job you would still be able to provide for your family . These Are the steps : Make a Budget Build your emergency...

A Loan and other kinds of credit are great financial tools, if used and wielded wisely. In this debt-addicted society, most people seem to forget that taking out a loan of any kind is a huge responsibility- one that can...

Emergency funds are dynamic accounts that range from $2000 equivalent to a hospital E.R visit up to 6 months of expenses in case of a job loss. Typically they are left in a savings account earning 2% interest. Keeping your...

In order to accurately assess your budget, you have to assess your assets and liabilities and make sure your assets are greater than your liabilities . Figuring out your budget is the first step to start in any project whether...

The working class in America is salary or wage labor that illustrates manual and industrial work includes blue-collar jobs and most pink collar jobs .  It usually means people exchanging their physical labor for money. There’s a lot of talk...