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Check FAQAbout Devon
I am a journalist based in the Bay Area (Calif.). I write about culture, race, gender, the environment, personal finance, lifestyle and careers as a freelancer. I graduated from Boston University’s College of Communication (‘15) and was subsequently handpicked to participate in NerdWallet’s Writer Startup Program. I ended up working at the company for nearly two years, putting my service-journalism skills to use first in the higher education and student loan beat and later as a general personal-finance reporter. I took the opportunity to write about the issues affecting women, minorities, low-income individuals and first-generation students as often as I could. I pioneered new content formats and even started a social-media ready series of profiles about people who’ve paid off student debt. I covered financial news and dug into 1,000-line spreadsheets, immersed myself in the shady world of paid surveys, talked to presidents of lending companies and financial planners as well as debt advocates and people struggling with debt and fluctuating incomes. My work has been featured in the LA Times, Mashable, Business Insider, MarketWatch and USA Today, among others. Feel free to reach out regarding article assignments, project proposals or if you have any questions. (Email works best — ************)
Portfolio
Unlock a Wealthier Retirement With an IRA
Individual Retirement Accounts (IRAs) offer significant advantages for retirement savings, complementing 401(k) plans. They have separate contribution limits, allowing for additional savings without reducing 401(k) contributions. IRAs provide access to a wider range of investment options compared to the limited choices in 401(k)s. Roth IRAs, in particular, offer tax-free withdrawals in retirement, providing a strategic advantage against high retirement tax bills. Unlike traditional IRAs and 401(k)s, Roth IRAs do not require minimum distributions, offering flexibility and a financial cushion in later years. Exploring investment options beyond a 401(k) can lead to a more secure and wealthier retirement.
Is It Really Worth the Effort to Have a High Credit Score?
A high credit score is crucial for accessing the best financial tools and securing favorable loan rates. While most Americans have a good credit score, improving it can future-proof finances, especially in competitive rental markets. Credit scores are determined by factors like payment history and amounts owed. Strategies to improve scores include setting up autopay, paying down debt, and keeping old accounts open. Despite seeming insignificant, a good credit score is vital for financial health and borrowing at lower interest rates.
3 Places I'd Rather Park My Cash Than a CD
The article discusses alternatives to certificates of deposit (CDs) for parking cash, highlighting high-yield savings accounts, checking accounts, and Roth IRAs as preferable options. High-yield savings accounts offer competitive rates with liquidity, checking accounts provide a buffer for fluctuating incomes, and Roth IRAs offer long-term retirement benefits with tax-free withdrawals. The choice of financial products should align with individual financial goals and needs.
Keeping an Extra $5,000 in a CD? Here's Where You Should Move It Instead
With interest rates on CDs previously attractive, the changing financial landscape now suggests a shift towards high-yield savings accounts (HYSAs) for better liquidity and competitive rates. As American debt levels rise, maintaining liquid cash is crucial to avoid reliance on credit cards. HYSAs offer flexibility with fewer withdrawal restrictions compared to CDs, which often require locking funds for extended periods. The article advises considering account fees, withdrawal limits, and additional perks when choosing a HYSA, emphasizing the importance of aligning financial products with personal financial goals.
What is burial insurance and how can you use it?
Burial insurance, also known as final expense insurance, is a type of life insurance designed to cover end-of-life expenses such as funerals and medical bills. It is typically available to individuals aged 45 to 85 and offers coverage amounts between $2,000 and $50,000. Burial insurance is easier to qualify for than traditional life insurance, making it a viable option for older adults or those with health issues. However, it tends to be more expensive per dollar of coverage compared to traditional life insurance. There are two main types: simplified issue, which requires no medical exam but some health questions, and guaranteed issue, which requires no health information but is more costly. The article highlights the importance of comparing quotes from different insurers to find the best rate.
3 Reasons I Switched to a High-Yield Savings Account
The author discusses the benefits of switching to a high-yield savings account (HYSA) from a checking account, highlighting three main reasons: the potential to earn an annual percentage yield (APY) bonus, higher returns compared to traditional savings accounts, and minimal account requirements. The article emphasizes the importance of maximizing savings, especially in a high-inflation environment, and the flexibility offered by HYSAs without stringent conditions. The author shares personal experiences of financial challenges and the advantages of maintaining a HYSA for emergency funds.
Here's How Much the Average 30-Year-Old Has in Their 401(k)
The average 30-year-old has $30,000 in their 401(k), with a median balance of $11,357, according to Vanguard. Without further contributions, this amount could grow to about $231,000 by age 65, which is below the estimated $1.8 million needed for a comfortable retirement. The article suggests having one's annual salary saved by age 30 and three times that by age 40. It offers tips for catching up on retirement contributions, such as calculating retirement needs, securing employer contribution matches, considering an IRA, and taking advantage of catch-up contributions for those 50 or older.
Here's What Happens When You Max Out Your 401(k)
Maxing out a 401(k) can optimize retirement savings by reducing taxable income, but it also involves trade-offs such as potential tax liabilities on withdrawals during retirement. Early withdrawals from a 401(k) incur penalties, highlighting the importance of having an emergency fund. To balance retirement savings with current expenses, individuals should create a flexible budget, maintain emergency savings, consider high-yield savings accounts for accessible funds, and consult financial advisors for tailored advice. While maxing out a 401(k) is beneficial, alternative methods may be suitable for those with other financial priorities.
Here's How Not Having Kids Became the Most Affordable Life Choice
The article explores the growing trend of choosing a childfree lifestyle due to the high cost of living and stagnating incomes in the United States. It highlights the significant financial burden of raising children, including child care costs, and discusses how wage stagnation and rising inequality have made it more challenging for many to afford parenthood. Additionally, it touches on the increasing social acceptability of being childfree, suggesting that financial and cultural factors are contributing to this shift.
Here's How Not Having Kids Became the Most Affordable Life Choice
The article discusses how the rising cost of living and stagnating incomes have made the decision to remain childfree a more financially viable option for many. It highlights the significant financial burden of child care and the stagnation of wages for most workers since the 1970s, despite increased productivity. The cultural shift towards the acceptability of a childfree lifestyle is also noted as a contributing factor.
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