Michael Menninger

1 month ago | lendedu.com | Cassidy Horton |Michael Menninger

What do financial advisors actually do? It’s a fair question—and one that doesn’t always have a clear answer at first glance. You’ll find a wide range of certifications, job titles, and specialties out there, from investment managers to retirement planners to full-service financial coaches. Depending on who you ask, a financial advisor might help you invest smarter, plan for retirement, reduce taxes, or just feel more confident about your next big move.

1 month ago | lendedu.com | Cassidy Horton |Michael Menninger

You know that nagging feeling in your gut? The one that says, “I should be better with money,” or “Where does it all go?” That’s your brain asking for a budget. Budgeting isn’t about restriction… It’s about direction. You can still grab that oatmilk chai from your favorite coffee shop or take that weekend getaway with your best friends. A budget just helps you do it purposefully.

1 month ago | lendedu.com | Maryalene Laponsie |Michael Menninger

Physical gold and gold exchange-traded funds (ETFs) are two popular ways to invest in precious metals. While both allow investors to diversify their portfolios with gold, they operate in different ways. When it comes to physical gold versus gold ETFs, neither is inherently better than the other as an investment. Each has its pros and cons, and each will appeal to different investors.

2 months ago | lendedu.com | Cassidy Horton |Michael Menninger

Budgeting is one of the most powerful money tools out there. But finding the right method? That’s where things get tricky. If you’ve heard of zero-based budgeting but aren’t sure what it is or how it works, you’re not alone. This method gives every dollar a job and helps you plan your spending down to the last cent. Here’s what zero-based budgeting is, how it compares to other systems, and how to know whether it’s the right fit for you.

2 months ago | lendedu.com | Catherine Collins |Michael Menninger

When you cosign student loans for your child, you are legally agreeing to be responsible for their debt. Their private student loan will be on your credit report, and it could hurt your credit if they forget to pay their bill. However, your child may need a cosigner to qualify for a private student loan, as most students lack the credit score or income required to qualify on their own.