Strong financial planning and budgeting create stability, clarity, and confidence over time. Without a clear plan, money decisions often feel reactive instead of intentional.
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There are two big problems with “nanny tax”.
One, most people who hire a babysitter don’t believe that they could be affected by “nanny tax”. It seems like it should only apply to families that have a live-in au pair or a full-time nanny. You just have a sitter cover an occasional date night and take care of the kids during the summer break. That doesn’t call for dealing with taxes, does it?
Read MoreBudgeting has a bad rep. Let’s try to rescue it.
What is the single best predictor of your ability to, someday, retire with a measure of financial stability?
If your guess is high income levels or winning the lottery, guess again. Research has demonstrated that consistent saving behavior is the ultimate key.
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