WELCOME, CRASHER
Money tips
that respect your time.
Spend Less Time
Spend Less Time
WHAT WE DO
We can all be Money Crashers
Anyone, at any stage of life, can get good with money. It just has to be explained straight. That’s what we do, one short tip at a time.
Educate
Every post teaches one useful thing. No lectures, no jargon, no filler.
Research
We compare rates, fees, and current promotions across the market. You just pick from the winners.
Enrich
We work with top financial brands to get you offers and bonuses you won’t find on your own.
AS SEEN ON
Latest Money Tips
New tips every day. Browse the latest, or get the next one in your inbox.
-
Raising Your Auto and Home Deductibles Can Cut Premiums 15-30%
Raising your deductible from $500 to $1,000 or higher cuts your annual premium, sometimes by 15-30%. If your emergency fund can absorb the higher deductible, you’re self-insuring the gap and pocketing the savings every year you don’t file a claim. Ask your insurer to quote two or three deductible levels at renewal.
-
Sequence of Returns Risk – Why Early Retirement Losses Hit Hardest
A market downturn early in retirement, when you’re actively withdrawing from your portfolio, does far more damage than the same downturn mid-career. Selling shares at depressed prices to fund living expenses permanently reduces the portfolio’s ability to recover. Keep one to two years of expenses in cash or short-term bonds so you’re never forced to sell in a down market.
-
The Home Sale Exclusion Is One of the Largest Tax Breaks Available
Live in your primary residence for at least two of the last five years and you can exclude up to $250,000 of profit from capital gains tax when you sell, or $500,000 for married couples. Keep records of home improvements, which raise your cost basis and shrink the taxable gain. Learn the residency rule before you list, not after.
-
Your Marginal Tax Rate Is Not What You Pay on All Your Income
The US tax system is progressive. You pay each bracket’s rate only on the income that falls within it. In the 22% bracket, you don’t pay 22% on everything you earn, just the portion above the bracket line. Never turn down a raise out of fear of “jumping a bracket.”
-
Your Mortgage Rate Affects Your Total Cost More Than the Purchase Price
A 1% difference in mortgage rate on a $350,000 loan costs or saves roughly $70,000 in total interest over 30 years. Get quotes from at least three lenders, including banks, credit unions, and mortgage brokers, before committing. Rates vary more than most buyers expect, and lenders are competing for your business.
-
Re-Shop Your Health Plan Every Open Enrollment – The Default Costs You
Most employees auto-renew last year’s health plan without checking whether their premiums, deductible, or covered providers changed. Plans reprice every year, and the cheapest option for your situation often shifts, especially if you added a dependent or a new prescription. Compare your options every open enrollment before the window closes.
WHY WE DO IT
Money Crashers’ mission
Money should work for you, not the other way around. We keep you on the right side of that deal with tips you can act on the day you read them.
We only write what’s useful.
Every piece starts with the same question: how useful is this to our readers? When the honest answer is “not very,” we don’t publish it.
We do the homework so you don’t have to.
We run the numbers, read the fine print, and weigh the alternatives. You get the conclusion, not the pile of research.
Trust is our No. 1 priority.
No clickbait headlines. Affiliate partners don’t buy our opinions. When a product isn’t worth it, we say so.