Ryan Wilcox

Charlotte

Content Writer at Townsquare Media

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Articles

Can you pay taxes with a credit card?

6 days ago | thepointsguy.com | Eric Rosen |Ryan Wilcox

The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Too Much in Savings? 3 Warning Signs You're Missing Out on Growth

1 week ago | fool.com | Ryan Wilcox

KEY POINTS Keeping more than a few months' worth of expenses in savings can limit long-term growth. Investing today means you can earn more through compound interest. Putting savings before debt payoff can cost you, too. Saving money is never a bad thing. But saving too much -- in the wrong places -- can actually hold you back from earning more. I learned this the hard way when I realized my growing emergency fund wasn't earning much, while potential investments sat ignored.
The One Mistake That Makes Your 0% APR Offer Useless

1 week ago | fool.com | Ryan Wilcox

Opening a credit card with 0% intro APR can be a smart way to pay off debt or fund a large purchase. But there's one mistake that can wipe out that benefit in an instant: making a late payment. Issuers reserve the right to cancel your promotional APR period if you pay late even once. That means the interest you thought you were avoiding could kick in earlier than expected, defeating the entire purpose of getting a 0% intro APR card.
Here's What Happens When You Withdraw $10K -- It's Not What You Think

1 week ago | fool.com | Ryan Wilcox

Withdrawing $10,000 from your checking or savings account might not be a big deal for some. But no matter the reason, your bank's going to let the federal government know about it. Here's what happens when you take out $10,000 or more -- and why you probably don't need to worry about it. Your bank files a report with the governmentFinancial institutions must file a report -- known as a Currency Transaction Report, or CTR -- for any cash withdrawal or deposit over $10,000.
Why $50K in Savings Is Probably Too Much

1 week ago | fool.com | Ryan Wilcox

KEY POINTS Savings accounts often earn minimal interest, limiting your potential return. After building a solid emergency fund, extra cash should go to more lucrative options. CDs and investment accounts can help your money grow faster. Having lots of money in the bank is never a bad thing. But once you've built up a sizable amount in savings -- say, $50,000 -- it's time to ask: Is some of that money better off elsewhere?
4 Retirement Saving Rules You Can't Afford to Break

1 week ago | fool.com | Ryan Wilcox

KEY POINTS Start saving as early as you can to maximize compound growth. Aim to save 10%-15% of your income each year -- including any 401(k) match. Automate your contributions and increase them as you get closer to retirement age. Retirement might feel far off for some, but the truth is that your future comfort depends on what you do (or don't do) today. The good news is, you don't need to be a financial expert or start with a six-figure income.
The Fee That Banks Count on You Forgetting

2 weeks ago | fool.com | Ryan Wilcox

Overdraft fees aren't just costly -- they're built to catch you off guard. Banks rely on the fact that most people either won't notice overdraft fees or won't have the time and energy to dispute them. It's one of the most consistent revenue streams in retail banking -- banks made $12.1 billion on overdraft fees in 2024 alone, according to the Financial Health Network. Keep reading to learn how overdraft fees work -- and what you can do to avoid them.
3 Savings Accounts Paying Over 4% APY in May 2025

2 weeks ago | fool.com | Ryan Wilcox

If your savings account still pays less than 1.00% interest, it's time for a change. Many online banks are offering more than 4.00% APY in May 2025. That's a strong return with basically no risk -- just like traditional accounts, your money is FDIC insured up to $250,000. Here are three of the best high-yield savings accounts right now, each offering over 4.00% APY and all the flexibility of a traditional bank account. 1.
Only 16% of Americans Know the Best Long-Term Investment

2 weeks ago | fool.com | Ryan Wilcox

KEY POINTS Only 16% of Americans say stocks are the best long-term investment. The S&P 500 Index has delivered better long-term returns than gold, bonds, and real estate. Index funds offer a simple, low-cost way to invest in the S&P 500. According to a recent Gallup poll, 37% of Americans think real estate is the best long-term investment, while 23% say it's gold. In a distant third, with just 16% of the vote? Stocks -- by far the highest long-term earner on the list.
4 Signs You Should Skip CDs, Despite Rates Over 4%

2 weeks ago | fool.com | Ryan Wilcox

KEY POINTS CD rates are high, but high-yield savings accounts are offering comparable returns. HYSAs offer easy, fee-free access to your cash while CDs do not. If you're looking for flexibility alongside a strong APY, you'll be better off with an HYSA. Certificate of deposit (CD) rates are strong right now -- as high as 4.55% APY. But how do you know when locking your money up is the right choice?

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