Insights, Advice, and Conversations to Shape Your Financial Future

When money becomes a secret instead of a shared plan, relationships suffer. This article explores what financial infidelity looks like, why it happens, and how couples can begin the process of repair, financially and emotionally.

Ever catch yourself stressing over a five-dollar decision? This video challenges the idea that every small purchase deserves the same level of attention. It offers a simple way to think about everyday spending in the context of your full financial picture. Watch to see how this mindset can make money decisions feel less heavy.

Used thoughtfully, credit cards can do more than simplify payments. This article examines how disciplined credit card strategies can enhance financial structure, preserve liquidity, and support long-term planning goals.

A strong financial plan needs regular attention. This video explains why annual reviews help ensure nothing is missing or outdated. Russell shares a story of how an annual review helped locate a client’s lost retirement account worth over $100k.

Think your retirement savings are all accounted for? Maybe not. An estimated 31.9 million 401(k) accounts have been forgotten, often costing savers more than they expect. Find out how to recover lost accounts and prevent future losses.

A paper plan only gets you so far. Running a two-month retirement trial lets you experience your budget in real life, helping you refine your strategy and make adjustments now, before you’re relying on that plan to support your full-time retirement lifestyle.

Many families learn too late that their power of attorney is outdated, hard to locate, or never shared with the people who need it. This video explains how that delay can complicate simple financial tasks during emergencies. Watch to understand how this simple tool supports your family and reduces stress during uncertain moments.

Caring for a parent or relative changes your life financially and emotionally. This article explores the real costs of caregiving, tools like tax breaks and workplace benefits, and ways to protect both what matters: your loved ones and your own well-being.

Timing can have a major impact on your long-term financial outcomes, especially when it comes to Roth IRA conversions. In this episode, Russell Rivera explains why acting too early or too late could affect how much you pay in taxes over time. The video explores how to think strategically about timing.

The OBBBA’s 2025 updates to 529 plans expand how families can use education savings, from higher education to K–12 learning and career training, with more flexibility and increased withdrawal limits.

When winter routines slip, so can your energy, focus, and well-being. Learn how to combat seasonal sluggishness with simple habits that support your health and mindset—without needing a complete lifestyle overhaul.

Many year-end financial moves must be completed by December 31, not in March when taxes are due. This short video breaks down the key steps that can impact your 2025 planning and beyond. If you want to stay ahead and avoid last-minute pressure, it’s worth reviewing this now.

Estate planning isn’t set-it-and-forget-it. With new tax laws and life changes, now’s the time to review your estate documents to keep your legacy aligned with your goals.

Medicare open enrollment is your annual opportunity to reassess your healthcare coverage. Learn what you can change, what to evaluate, and how to avoid higher costs or gaps in coverage before the window closes.

Teaching children the value of giving doesn't require large donations. It starts with small, consistent actions. This article offers practical strategies for raising charitable kids through empathy, family involvement, and hands-on giving opportunities that grow with them.

Recently on X, I saw a post expressing surprise that there are 24 million millionaires in the United States. I can’t confirm the veracity of that number, but it likely checks out—and I think there are actually many more. In fact, YOU are likely one of them.

Ever feel like your money disappears faster than you can track it? In this video, Russell Rivera explores how using a cash-based budgeting system can help create stronger spending awareness.

Tax season will look different for 2025 thanks to the One Big Beautiful Bill Act. Learn how new and expanded deductions could affect your tax liability and financial planning for years to come.

Blended families often face hidden financial tension that traditional families might not. Different upbringings, spending habits, and priorities can lead to friction unless they’re addressed head-on. In this episode of Sidewalk Talk, Russell Riveria walks through why communication is key and where to start.

Salary gets all the attention, but your benefits package may hold just as much value. With open enrollment around the corner, now’s the time to look closely at your health plan, retirement savings, and insurance options.