Find FINANCIAL FREEDOM…

The Tools, Tips, And Technology You Need For Your Tomorrow.

What Is FinTech Freedom?

Historically, the road to financial freedom has been confusing and difficult to navigate. 

Today, thanks to new technology a number of financial technology "fintech" startups have made it possible to find financial freedom. However, the sheer volume of new resources available has made it difficult to know where to begin.

FinTechFreedom is here to give you a roadmap and step-by-step process in order to put your personal finances on the path to financial freedom

FinTechFreedom

Latest Articles

Attorneys

By Jeff McLean | Jul 2, 2023

I just came across a bill from an attorney for services rendered for a famiy friend who has since deceased. Our family friend and his late wife made the decision earlier in their life that they would give all of their assets to St. Jude's Hospital upon their passing. It was known among some local …

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What Percentage of U.S. Students Take a Personal Finance Course?

By Jeff McLean | May 19, 2022

The Visual Capitalist put out this excellent graphic showing “What Percentage of U.S. Students Take a Personal Finance Course?”

5 Reasons Every New Small Business Owner Needs to Hire a Bookkeeper

By Fintech Freedom Editorial Team | Apr 19, 2022

At the start of owning a business, money can be tight. Even if your financials are in good shape, it can be tempting to wear as many hats within your company as possible to cut costs. However, when it comes to bookkeeping, the investment is always worth it. Unless you are a professional accountant, having …

Read more5 Reasons Every New Small Business Owner Needs to Hire a Bookkeeper

Best budgeting apps for 2022: Are they worthy of managing money?

By Fintech Freedom Editorial Team | Mar 30, 2022

 What should you do to increase savings? Not just for saving, paying multiple bills can be a nightmare when a lot of necessary spending comes in your way. People struggling with their numerous debts only wish to know how to simplify their debt. They often consider bill consolidation programs to repay your bills. But this …

Read moreBest budgeting apps for 2022: Are they worthy of managing money?

Kalshi

By Jeff McLean | Dec 26, 2021

Today, you can seemingly bet on anything thanks (or maybe no thanks) to the internet. One interesting new player in this space is Kalshi. Kalshi says it is a trading platform but really is a bet based on a real world event driven contract. For example, will it snow more than x inches in any …

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Interest Rates Explained

By Jeff McLean | Mar 12, 2021

The topic of interest rates can be both boring and hard to understand all at the same time. This article will outline high level the different types of interest rates as well as how they work.  The Federal Reserve  First, there are interest rates that are controlled by the Federal Reserve. The lowest rate is …

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US 10-Year Treasury Yield

By Jeff McLean | Jul 25, 2020

US 10-Year Treasury Yield…July 1980: 10.1%July 1985: 10.5%July 1990: 8.5%July 1995: 6.5%July 2000: 6.0%July 2005: 4.3%July 2010: 3.0%July 2015: 2.3%July 2020: 0.6% — Charlie Bilello (@charliebilello) July 23, 2020

Put These Charts On Your Wall…2020 Edition

By Jeff McLean | Jul 18, 2020

Charlie Bilello over at Compound Advisors just recently published this great article…“Put These Charts On Your Wall…2020 Edition“

June 2020 Top Picks

By Jeff McLean | Jul 5, 2020
June 2020 Fintech Freedom

Here are some of the best personal finance and fintech posts from June 2020. To see previous months' top picks click here. Favorite Video This 8-year-old’s financial knowledge is mind blowing Favorite Podcast Exploitation Economy – Professor Scott Galloway Colleges have largely been able to make more money because of the fact that the federal …

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May 2020 Top Picks

By Jeff McLean | Jun 7, 2020
May 2020 Fintech Posts

Here are some of the best personal finance and fintech posts from May 2020. To see previous months' top picks click here. Banking & Budgeting Free Finance Courses For Students and Professionals Alike – The Simple Dollar A good rundown of some good online personal finance courses Credit & Debt  Scott Galloway on The Future …

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The Ultimate Guide To Buying & Selling Real Estate

By Jeff McLean | Jun 1, 2020

The largest and most overwhelming purchase and sale most people will ever make is on real estate. The most common of which is a home. When it comes to making this decision there is a vast amount of information available. However, most of the information covers only pieces of this transaction. This article compiles all …

Read moreThe Ultimate Guide To Buying & Selling Real Estate

Learn How To Learn

By Jeff McLean | May 15, 2020

Today, more than ever traditional industries – especially high margin industries – are being commoditized and transitioned by technology. Now more than ever software as a service (SAAS) as well as other technologies such as AI driven by the growth of data science is making what traditionally was

April 2020 Top Picks

By Jeff McLean | May 9, 2020
April 2020 Top Articles

Here are some of the best personal finance and fintech posts from April 2020. To see previous months' top picks click here. COVID-19 Capitalists or Cronyists? – Professor Galloway A number of excellent takeaways from this great article. Here is one: “However, no more. Modern-day “capitalism” in America is to flatten the risk curve for …

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Davey Day Trader Global

By Jeff McLean | Apr 25, 2020

I am a big fan of Barstool Sports. Dave Portnoy is hysterical in this clip on CNBC.

6 Steps To Protect Your Identity

By Jeff McLean | Apr 13, 2020
6 Ways To Protect Your Identity From Identity Theft - FinTechFreedom

Identity theft is a growing problem that everyone must take proactive action on. Here are easy to follow steps to protect you and your family from becoming a victim of identity theft online. The Equifax breach has exposed a hidden truth that most of you were already aware of – your personal data has not, …

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March 2020 Top Picks

By Jeff McLean | Apr 5, 2020
March 2020 Top Picks

Here are some of the best personal finance and fintech posts from March 2020. To see previous months' top picks click here. COVID-19 Since the last update the World has changed quite rapidly as much of the World has been dealing with the rapid spread of this virus. The following are resources for those needing …

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February 2020 Top Picks

By Jeff McLean | Mar 4, 2020
February 2020 Top Picks

Here are some of the best personal finance and fintech posts from February 2020. To see previous months' top picks click here. College Costs I’m Glad My Parents Crushed My College Dreams – Financial Mechanic With the student loan debt crisis growing each day this is a unique perspective many will appreciate.  Fintech Every Company …

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January 2020 Top Picks

By Jeff McLean | Feb 5, 2020
January 2020 FintechFreedom

Here are some of the best personal finance and fintech posts from January 2020. College Costs I’m Glad My Parents Crushed My College Dreams – Financial Mechanic With the student loan debt crisis growing each day this is a unique perspective many will appreciate. Fintech Every Company Will Be a Fintech Company – Andreessen Horowitz …

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The Ultimate Guide To Estate Planning In The Digital Age

By Jeff McLean | Feb 3, 2020
The Ultimate Guide To Estate Planning In The Digital Age - FinTech Freedom

What would happen to everything you own if you were to pass away tomorrow? Do any of your family members or loved ones know where your online passwords are for everything? Do they have access to your Facebook account or to your bank account?  Or would they be left scrambling to piece everything together? Given …

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Merry Christmas

By Jeff McLean | Dec 25, 2019

Merry Christmas! This year, Allison and I were truly blessed to welcome our daughter Mary into our life. She is truly the greatest gift. Today, we welcome our creator and savior Jesus Christ and know that for all things it is He who comes first. Thank you to all of you for continuing to help …

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Top Resources & Articles On Buying Real Estate 

By Jeff McLean | Dec 24, 2019

The largest and most overwhelming purchase most people will ever make is in a new home. When it comes to making this decision there is a vast amount of information available. To get an overview of the state of housing The following resources will help you better understand the facts and figures surrounding homeownership.  There …

Read moreTop Resources & Articles On Buying Real Estate 

November 2019 Top Posts

By Jeff McLean | Dec 8, 2019
November 2019 Top Persoal Finance & FinTech Articles

Here are some of the best personal finance and fintech posts from November 2019. Credit & Debt $69 Trillion of World Debt In One Infographic – Visual Capitalist Last month we looked at total U.S. debt composed of $23 Trillion in government debt, $13.5 Trillion in U.S. consumer debt and $1.4 trillion in U.S. student …

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The Case For Simplicity

By Jeff McLean | Dec 1, 2019
The Case for Simplicity - FintechFreedom

Polina Marinova does an excellent weekly newsletter on Substack. You can easily subscribe here. This week's was especially good so I wanted to share. Good morning, friends! One of life’s great ironies is that simplicity has become pretty complicated. Technology was supposed to make our lives easier — and it has, in many ways — except it …

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5 Things About Self Directed IRA You May Not Be Aware Of

By Fintech Freedom Editorial Team | Nov 24, 2019
Self-directed IRA FinTechFreedom

A self-directed IRA provides various alternative investment options that are generally prohibited under traditional IRAs or 401(k). Self-directed IRAs are administered by trustees or custodians but are directly managed by the account holders. A Self-directed IRA is more flexible as compared to regular IRAs because it allows investors to distribute capital in a much broader …

Read more5 Things About Self Directed IRA You May Not Be Aware Of

October 2019 Top Posts

By Jeff McLean | Nov 9, 2019
October 2019 Fintech Freedom

Here are some of the best personal finance and fintech posts from October 2019. Banking & Budgeting & Bitcoin Will Bitcoin Ever Be Regulated? – Albaron Ventures The growth of bitcoin as well as other cryptocurrencies (including Facebook’s Libra) will continue to grow and as a result want to be regulated. This article explores just …

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5 Things To Do Before Moving Out for the First Time

By Jeff McLean | Oct 26, 2019
5 Things To Do Before Moving Out

Moving out of the house for the first time is one of the biggest steps you will ever take in your life. Yes, it’s thrilling. Yes, it’s scary. And that’s what makes it such a perfect introduction to life on your own.  Living independently will take some getting used to, particularly when it comes to …

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September 2019 Top Posts

By Jeff McLean | Oct 2, 2019
September 2019 Top Personal Finance Articles

Here are some of the best personal finance and fintech posts from September 2019. Banking & Budgeting Non-Banks Jumping Into Banking Roles – Money Under 30 Fintech companies will continue to lead the charge when it comes to innovation within the banking and overall financial sectors.  Credit & Debt America’s Wealth Hinges on Its Ability …

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Learning How To Learn

By Jeff McLean | Sep 15, 2019

Learning How To Learn – Why It Has Never Been More Important! The book “The World Is Flat” was first published back in 2005. In it, the author Tom Friedman mentioned a story about why it is so important to be able to “learn how to learn” This sentiment was important then and I would …

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3 Reasons To Avoid Whole Life Insurance

By Jeff McLean | Sep 8, 2019
3 Reasons To Avoid Whole Life Insurance

Have you ever wondered why you should avoid Whole Life insurance? These following two examples will show you why you should avoid purchasing a Whole Life policy. Lessons Learned: Whole Life Insurance Policies First Example: Trust Yourself Not The Insurance Company Just the other day I was looking at a whole life policy statement that …

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August 2019 Top Posts

By Jeff McLean | Sep 2, 2019
August 2019 Top Fintech

Here are some of the best personal finance and fintech posts from August 2019. Podcasts Ignatian Detachment – Bishop Robert Barron  I really love listening to Bishop Robert Barron. Here is a homily Bishop Barron gave on St. Ignatius of Loyola on the negative and harmful impact that things like money, power, and honor can …

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4 Options for a Great Career Without College Debt

By Jeff McLean | Aug 30, 2019
College is expensive and growing costlier by the minute. As a result, more young adults are saying, “No thanks” to a four-year degree and finding more affordable ways to launch their careers. Instead of starting their adult life with nearly $30,000 in college debt, these financially savvy young adults are finding career paths that cost less to enter and offer a faster return on investment. Are you questioning whether college is right for you? Before spending thousands of dollars on a degree you’re not sure about, consider one of these alternative career paths instead. Join the Trades New college grads may earn more than newly employed blue-collar workers, but within ten years, tradespeople with at least a one-year certificate earn nearly as much as workers with four-year degrees. Not only that, but people who enter the trades start earning an income sooner and take on less debt at the start of their career. The average trade school degree costs $33,000 (in some cases, all you need is an apprenticeship). Meanwhile, a four-year degree from a public university costs $9,970 on average, and attending a private or out-of-state public university can be even more costly. Work in the Gig Economy When most people think of the gig economy, they think of side gigs like driving a rideshare or walking dogs. However, the gig economy encompasses far more than these part-time jobs. Designers, developers, handymen, IT technicians, caregivers, chefs, and more can find clients and earn high hourly rates. Popular gig economy apps have made it easier than ever to hire self-employed professionals. While working in the gig economy can be riskier than securing a full-time job, it’s a good fit for go-getters who value the freedom and flexibility to work wherever, whenever. Enter Public Service High student loan debt paired with low wages in the non-profit and public sectors makes it challenging for college graduates to afford a career in public service. While it’s possible to receive loan forgiveness in exchange for your public service, you have to make payments for 10 years before you can qualify. Even then, you might be denied. If you want to give back, there’s another way. High school graduates can join AmeriCorps, a national service program designed for young people. Unlike Peace Corps, most AmeriCorps programs don’t require a college degree to join. While AmeriCorps positions are time limited, graduates can use the professional experience they gain to advance their careers. AmeriCorps VISTA members also receive non-competitive eligibility for federal jobs following their service. Join the Military Whether you join the military for a few years to reap the GI bill benefits or stick it out until retirement, military service can be a smart way to start your career. There are drawbacks, of course, like the risk of deployment and not having control over where you’re stationed. However, for many young adults, that’s a fair tradeoff for a stable income, great benefits, and on-the-job training. If you don’t expect to stay in the service for the long run, choose a military career that readily translates to the civilian workforce. Listing your infantry job on a resume might not get you far in the civilian world, but including your military service in health science, cybersecurity, or human services may. If you’re interested in a career path that requires a bachelor’s degree or higher, college is likely the right choice for you. Even then, it’s important to research job growth and salaries to make sure you’ll be able to pay off your student loans and afford a good quality of life. For everyone else? If you’re not confident college is for you, don’t go into debt just because it seems like the thing to do. There are a lot of ways to earn a great living without college, and if you do decide you need a degree, you can always go back to school in the future.

College is expensive and growing costlier by the minute. As a result, more young adults are saying, “No thanks” to a four-year degree and finding more affordable ways to launch their careers. Instead of starting their adult life with nearly $30,000 in college debt, these financially savvy young adults are finding career paths that cost …

Read more4 Options for a Great Career Without College Debt

July 2019 Top Posts

By Jeff McLean | Aug 1, 2019
July 2019 Top Personal Finance Tips

Here are some of the best personal finance and fintech posts from July 2019. Podcasts Naval Ravikant – How To Get Rich More insight here than you would expect from the simple yet achievable title! One you will likely want to listen to more than just once and might even suggest setting your calendar to …

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The 4 Pillars Of Money Management In Retirement

By Jeff McLean | Jul 25, 2019
The 4 Pillars Of Effective Money Management In Retirement

The following article is a guest post from Brittany Fisher over at Financially Well. As retirement age draws near, it is normal to start worrying about money. Will you be able to live on your retirement income? Have you saved enough? What sacrifices will you have to make?  It’s a smart idea to think about …

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7 Proven Passive Income Ideas

By Jeff McLean | Jul 8, 2019
7 Proven Passive Income Ideas Fintech Freedom

This article discusses passive income investing options. FinTech Freedom is not responsible for investing loses or risks. Please see our disclosure statement. Just the term “Passive Income” brings with it feelings of joy and excitement! Passive income generally involves either an investment in time or money. This post will highlight ways to generate passive income …

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Fintech Freedom’s June 2019 Top Posts

By Jeff McLean | Jul 4, 2019
Top Personal Finance and Fintech articles June 2019 Fintechfreedom

Happy 4th of July! Here are some of the best personal finance and fintech posts from June 2019. Podcasts Bishop Barron: Catholicism and the Modern Age – Jordan Peterson Podcast While not a personal finance or fintech related post I highly recommend this podcast discussion between Jordan Peterson and Bishop Robert Barron. While your personal …

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What You Need to Know About Retiring Overseas

By Jeff McLean | Jul 1, 2019
What You Need to Know About Retiring Overseas FinTech Freedom

The following is a guest post from Jon Dela Cruz. Jon is a researcher with iCompareFX where he looks at how the world’s leading overseas money transfer companies operate. Outside of work, Jon likes bicycling around town. Statistics show that of all the American expats who live overseas, around 23% are retired. In addition, about …

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Simplify & Automate Your Finances

By Jeff McLean | Jun 28, 2019
Simplify & Automate Your Finances Fintech Freedom

We have a habit of making our lives more complicated than they need to be. This includes our finances. The more I write the more I see how easy it can be to fall into the trap of complexity. This is especially true – although not always obvious – when it comes to our finances. …

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The Digital Banking Software Landscape

By Jeff McLean | Jun 19, 2019
Digital Banking Landscape | FintechFreedom

Mobile banking apps have never been so popular, and digital banking software requirements are high on the agenda. Here’s our development checklist for 2019.

Optimize Your Money

By Jeff McLean | Jun 16, 2019

As interest rates have continued to climb from historically low levels it is important that you optimize your money. This is especially true for cash accounts such as checking and savings. The best way to do this is to check with your bank and or brokerage to see if your “Core” account is a simple …

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Fintech Freedom’s May 2019 Top Posts

By Jeff McLean | Jun 10, 2019
May 2019 FinTech Freedom

Here are some of the best personal finance and fintech posts from May 2019. Credit & Debt What Generation’s Debt Changed the Most in the Last Year? – Experian A look at how debt levels have changed since 2017 for each generation. Spoiler alert – a rip-roaring economy has only served to increase debt levels …

Read moreFintech Freedom’s May 2019 Top Posts