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Financial Planning
Practical financial planning tools, strategies, and guides for career shifters. From runway calculators to scenario modeling - plan your finances before you make your move.


Sandwiched? Support Family Without Sacrificing Your Own Life
Many midlifers delay retirement, reduce savings, or tap long-term investments to meet family needs. While supporting loved ones is deeply meaningful, doing so without a plan can quietly derail your future financial independence.
The good news? With the right strategy, you can show up for your family without compromising your own freedom timeline.

The Richuel Team
2 days ago4 min read


Mastering Your Monthly Expenses: A Guide for Career Shifts in 2026
Doomscrolling LinkedIn over holiday coffee? If you're contemplating a career shift in 2026—with kids' activities, mortgage payments, and that nagging "what if" question—you're not alone. Understanding your household's monthly expenses is crucial. It's not just about cutting back on lattes; it's the foundation for every smart financial decision in the year ahead. The Importance of Your Monthly Breakdown Fixed expenses, such as your mortgage and utilities, typically consume 50-

The Richuel Team
Dec 23, 20253 min read


Reaching CoastFIRE: A Guide for Couples
A Reddit poster on r/CoastFIRE believes she and her husband have reached CoastFIRE and is looking for tips on how to talk to her husband about it. However, he doesn’t believe they can coast and worries it’s “frivolous and delusional.” This really resonated with me. I often run the numbers to reassure my lifelong thrifty saver husband that we’re in good shape to give ourselves some room to coast and enjoy life a little. I’m on a mission to help this Reddit poster show her husb

The Richuel Team
Oct 1, 20254 min read


Mastering Your Finances: How to Stop Chasing That Nut
Anyone who’s seen South Park’s “Got a Nut” episode knows the feeling. Mr. Mackey goes from school counselor to ICE agent—not because it fits his passions or values, but because losing his job means he’s scrambling to cover his $7,000-a-month bills that later inflate to $10,000 to cover taxes and lifestyle.

The Richuel Team
Sep 5, 20254 min read


Not Just for Billionaires: Beat the Big Beautiful Bell to 2025’s Best Tax Breaks
Scored an ID.4 for $129/month before EV tax credits end. Picture this: The Big Beautiful Bell just tolled, and the starting gun has fired on the 2025 Tax Credit Relay. You don’t need a billionaire’s bank account—to sprint for savings. This is your chance to win big before the finish line. The race? It’s a limited-time Olympic dash for federal perks on electric vehicles, home improvements, and those juicy state and local tax (SALT) deductions. The competition? Every other Amer

The Richuel Team
Jul 21, 20254 min read


Own Your “Freedom Money” Number: A Practical Guide for Households
Do you know where your money needs to be? Discover how to take control and calculate that all-important money number to achieve financial freedom. What it Means to Own Your “Freedom Money” Number Why is this number so important? It all starts with that long-term goal to be able to make all the right life decisions and financial trade-offs together along the way. Knowing that you will hit that number in the future with a high level of certainty helps you go from unnecessary ov

The Richuel Team
Jun 26, 202510 min read


Generative AI: The Future of Personal Financial Management
Understanding the Rise of AI in Personal Finance A recent report by Experian reveals a growing interest among U.S. consumers in using generative AI for personal financial management. Surprisingly, some individuals actually prefer this technology over traditional human advisors. Let’s explore some of the compelling findings from the study. Key Benefits of Generative AI Consumers highlighted several areas where generative AI proves especially helpful: Savings and Budgeting : 6

The Richuel Team
Mar 31, 20253 min read
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