Tired of paying your debt yet never making a dent? Financial companies make sell you on how simple and safe loans and credit cards are. Fun fact, they are lining their own pockets with your money. After all, money is time and time is your life. It's as if they…

What's the secret to financial freedom? Replacing bad habits with good habits is the simplest way to a wealthy life. And right now is a good time for us to change our habits and our mindsets. Millennial earnings are low compared to median wages — lower than Gen-Xers or Baby…