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Hi, I'm Jim. I created money101.cc to help you make better financial decisions faster.
Many financial experts like to make money complicated so you need them.
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Newest Articles
Vanguard Fully Paid Lending Program Review
Vanguard's Fully Paid Lending Program offers a way to earn additional income to lend your shares to short sellers looking to borrow them. Are these programs worth it? We review this one from Vanguard.
10 Money Moves You Must Make Before December 31
The end of the year is one of the most powerful moments to improve your financial life. A few intentional…
Can You Use a Bitcoin Miner to Heat Your Home?
Summary: Yes but it’s only a replacement for space heaters and can never replace an electric heat pump because they…
Stealth Wealth: Why True Wealth is Best Kept to Yourself
Summary: True wealth is best kept quiet, it avoids awkward conversations, requests for money, and potential kidnappings for ransom. The…
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It's never too late
It's easy to think that you're late. Whether it's with investing, your career, your business, or whatever your main endeavor is, you might feel behind. But the reality is that success can occur at any moment, whether you're 20 or 40 or 60. It's best to start now, whatever age you are.
Personal Finance is a Loser's Game
There are Winner's Games and Loser's Games, and sometimes there are games that start as Loser's Games and become Winner's Games. Personal Finance is a Loser's Game – you win by avoiding mistakes, not by making spectacular shots. Learn the difference and how you can win at money today.
What You Should Do With All the Financial Advice on the Internet
The internet is a great place to get new ideas and opinions you hadn't considered you can't blindly follow the advice. Your finances are too important to leave to internet articles written by unknown people. Instead, follow a variety of bloggers, bounce new ideas off a trusted source, and verify your decisions with a fee-only financial planner when you can.
Understanding Maslow's Hierarchy of Financial Needs
Psychology was one of my favorite subjects in school. It was like getting an instruction manual for how people worked.…
Maximize Your Savings
Best High-Yield Online Savings Accounts: 4.31% APY (January 2026)
The best savings accounts offer high-yield interest rates and don’t require you to maintain a huge minimum balance (or any…
Best 12-Month CD Rates – 4.25% APY (January 2026)
Certificates of deposit are a reliable way to earn a higher rate of interest and the 12-month term is a sweet spot for a higher rate but shorter term. This way you can get yield without locking up your funds for a long period of time.
Best No Penalty CD Rates – 4.15% APY (January 2026)
With interest rates rising, many investors want to take advantage of the highest deposit rates they’ve seen in years. A no-penalty CD lets you withdraw some or all your funds from the certificate before the maturity date without paying the penalty. Here are the best no-penalty CD rates currently available.
Put Cash In Your Pocket
47 Best Bank Account Bonus & Promotions
Check out the latest bank account bonus and promotions from best banks and credit unions. Our list of the best offers is updated daily with offers topping several hundred dollars each.
20 Best Brokerage Account Promotions and Bonuses for January 2026
Find the best brokerage account promotions and bonuses from top online brokers. Our list is updated frequently with the latest offers and deals to help you earn cash bonuses and rewards on your investment accounts.
17 Best Work From Home Online Jobs (2026)
Looking for a flexible way to earn money from home? Check out our list of the best work from home online jobs. Our picks include options for all skill levels and interests, with an emphasis on remote work with flexible hours.
How to Get Free Stock from These 8 Brokerage Companies
Discover how you can get free stock from top brokerage companies. Our guide covers the best offers and promotions from online brokers and shows you how to claim your free shares or big cash offers for ACAT transfers.
The Prime Directive of Personal Finance
There are many “money rules” but if you follow the “Prime Directive,” you won't need to remember the rest.
6.5 Big Money Decisions You MUST Get Right to Get Rich
Learn how to make the right money decisions to build wealth and achieve financial success. This post covers the Big Money Decisions where your choices can make an outsized impact on your financial future.
How to invest in yourself
If you want to grow, you have to invest in yourself. Whether you improve your skills or just buy new technology, investing in yourself can lead to many positive improvements in your work and life.
7 income streams of millionaires: an open discussion of passive income
Explore the different income streams that millionaires use to build passive income and achieve financial independence. Our open discussion covers a range of options, from real estate investing to building a business, and provides insights into how to create your own passive income streams.
Raisin New Account Bonus – up to $2,000 Cash
Raisin is a fintech company that helps you find higher yields on your savings. They have a limited offer going on right now where you can get a cash bonus depending on how much you deposit and it doesn't require a direct deposit.
16 Best Games That Pay Real Money (January 2026)
Mobile games are a fun activity in your free time. Unlike the very first phone games such as Snake or Tetris that were for entertainment only, many game apps pay real money today. From arcade games to trivia, you can have fun and make money in your spare time.
13 Best Delivery Job Apps for Making Extra Money
Delivery jobs are one of the better-paying side hustles in the gig economy. The best ones let you make money in your spare time, offer flexible payment options, and allow you to tailor your side hustle to your life. Here are 13 of the best delivery job apps and why we like them.
Is Ipsos i-Say a Scam or Legit? (2026)
Ipsos i-Say Review Product Name: Ipsos i-SayProduct Description: Ipsos iSay pays members for sharing their feedback via online surveys.Go to…
Vanguard Fully Paid Lending Program Review
Vanguard's Fully Paid Lending Program offers a way to earn additional income to lend your shares to short sellers looking to borrow them. Are these programs worth it? We review this one from Vanguard.
10 Money Moves You Must Make Before December 31
The end of the year is one of the most powerful moments to improve your financial life. A few intentional…
Can You Use a Bitcoin Miner to Heat Your Home?
Summary: Yes but it’s only a replacement for space heaters and can never replace an electric heat pump because they…
2026 Retirement Contribution Limits & Income Phaseouts Updated by IRS
Earlier this month, the IRS released the 2026 contribution limits for a variety of retirement accounts and despite their best efforts, it's formatted like an encyclopedia. Here are the limits organized in a way that is more readable.
What to do if you think the market is overvalued
The stock market may seem overvalued but you know you shouldn't try to time the market – what should you do instead?
My Biggest Investing Mistake and How You Can Avoid It
It's easy to tell people that they shouldn't react emotionally when they're investing. Don't sell when you're scared and don't…
eToro Review 2026: Learn Cryptocurrency from Experienced Investors
eToro is it one of the most comprehensive cryptocurrency trading apps in the industry as it offers trading in 15 cryptocurrencies. It also allows you to track and copy successful traders on the app.
Webull Review: A Free Investing App for Experienced Investors
Webull Product Name: WebullProduct Description: Webull is a trading platform that has $0 commissions on stocks, ETFs and options. Go to…
Build a Financial Fortress
Drawing Your Financial Map
Learn how a financial map can show you how your accounts are connected and areas where you can simplify it.
How to Build A Financial Plan without a Professional Financial Planner
You don't need to hire a financial planner to build a financial plan. We share how to build one on your own and what questions you need to answer to be accurate, complete, and effective.
How to Organize Your Financial Documents Like the Library of Congress
My simple 3-step method of organizing our financial documents is easy to follow, execute on, and will make your life so much easier when it comes to paperwork.
Do You Have a Treasure Map?
A Treasure Map is a guide to your finances in case you are unable to explain it due to death, disability, or disappearance. Learn what you should put in it to make it easier for the ones you love.
Wallet Hack Guides:
Epic Life Events
These are those events in your life that seem EPIC at the time, simply because it's your first. Looking back, they're not as daunting and we can help you get them right the first time.
Learn MoreGrand Goals
Grand Goals are laser-focused guides for achieving a financial goal. They aren't textbooks teaching you every aspect, they're a series of levers you can pull to get what you want.
Learn MoreMoney Saving Guides
These guides will show you the tactics I use to save thousands of dollars each year. And they don't involve cutting out something as vital as coffee or whatever your favorite vice might be.
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