32 posts in this category
Credit card rewards can return hundreds—or thousands—per year if you use them right. Here's a stage-by-stage strategy for expats, from your first secured card to premium travel cards.
T-bills or high-yield savings? As an expat in a high-tax state like California, the answer isn't obvious. Here's my updated 2026 breakdown with current rates, tax math, and a simple cash strategy.
From zero credit history to 720+ in under a year—here's the exact roadmap I followed as an expat, with updated 2026 strategies for building, protecting, and leveraging your US credit score.
The definitive 2026 guide to HSA, FSA, and HDHP for expats in the US—with updated IRS contribution limits, comparison tables, and practical tips from four years of navigating the system myself.
Navigate US open enrollment with confidence—I've curated essential guides on HSAs, HDHPs, and FSAs to help expats decode America's complex benefits system.
Ray Dalio reveals how the Fed's unusual economic maneuver transferred wealth from government to households, creating today's resilient economy—but warns of a looming debt spiral ahead.
Most homebuyers only compare monthly payments to rent, but at 7% interest, you'll pay over 80% of your loan amount in interest alone—here's how to avoid that trap.
Credit card rewards can save you hundreds on travel and purchases—but only if you're truly disciplined enough to avoid the spending traps that fund these programs.
Secured credit cards require a refundable deposit but report to credit bureaus just like regular cards—making them a powerful tool to build credit when you pay on time.
While critics mock TreasuryDirect's design, 90% of users rate it excellent or good—and 4 million funded accounts prove functionality beats aesthetics.
Treasury bills offer 4.5%+ APY exempt from state and local taxes—a significant advantage if you're in a high-tax state like California over standard high-yield savings.
FSAs let expats in the US save thousands on healthcare and childcare through pre-tax dollars—but enrollment timing and use-it-or-lose-it rules require strategy.