Josh Patoka

Josh is a personal finance writer with his prior professional experience as a transportation operations supervisor for an S&P 500 company.

He paid off $80,000 in consumer debt and uses his experience of getting out of debt and changing careers to write about many personal finance topics including making money, saving money and investing.

He has been featured in the US News and World Report, Student Loan Hero, and more.

What is an IRA?

Are you trying to figure out the best way to save for retirement? An IRA (Individual Retirement Account) allows you to save and also keeps your income tax bill as low as possible. Almost anyone can open an IRA even

Man laying down on a grey couch changing the tv channel with a remote

How to Avoid TV Cancellation Fees

Let’s be honest. Cable TV doesn’t have the same appeal that it had 20 years ago now that you can stream the same channels at a cheaper price. Before cutting the cord, it’s important to avoid cable cancellation fees to

Investor at desk

Yieldstreet Review: Pros, Cons and How it Works

Are you looking for unique passive income ideas besides the stock market? One option is to invest in physical assets including real estate, artwork and marine vessels. The investment performance for these assets doesn’t consistently move in the same direction

4 percent rule

The 4 Percent Rule: What You Need to Know

Determining your annual retirement expenses and savings goals can be difficult when you still have several years left to work. To make the planning process easier, many retirement planners and retirees use the 4% rule to estimate their yearly retirement

Red green and blue stripped houses that look like rental properties

15 Places to Buy Rental Real Estate

Being able to buy rental real estate is a dream for many as a way to earn passive income. Although you can become a millionaire, through diligent saving and stock market investing, real estate is a timeless way to make wealth

Girl with a big smile pushing a grocery cart

Sam’s Club vs. Costco: A Comprehensive Review

Do you want to save money shopping? Warehouse clubs are one way to save money on groceries, gas and your other purchases. Most likely, you have a Costco or Sam’s Club store near you. Both clubs can be cheaper than

TD Ameritrade Review

TD Ameritrade Review

With so many online brokers to choose from, it can be difficult to pick one and start investing. TD Ameritrade is a popular choice for many new and experienced investors for its in-depth research tools, commission-free trading and many investment

Mom holding her two children while looking at their tablet while sitting on their couch

18 Best Life Insurance Rates By Age

We all want to pay the best life insurance rates so we can protect our families at the most affordable price. With so many life insurance companies to choose from, your premium cost can be your most important decision factor when

A study group with their tutor working

How to Start a Tutoring Business

Do you like teaching but need flexible working hours? One option is to start a tutoring business. It’s possible to tutor high school students preparing for the SAT and ACT, adult students learning English, or even kindergarten students. There’s a

Man stamping a check with a notary stamp

How to Make Money as a Notary

Maybe you think bank tellers and employees of select businesses are some of the only people who can be a notary. The truth is, almost anybody can make money as a notary as a side hustle or an additional business

Discover Bank Review

Are you looking for a bank with the best interest rates and no fees? An excellent option is Discover Bank. Yes, these are the same people who issue the Discover Card. This Discover Bank review will help you learn more about

Women evaluating search engines on their computer to make money

How to Become a Search Engine Evaluator

Are you looking for a way to work from home? If you have a computer and smartphone with internet access at home, being a search engine evaluator lets you achieve this goal. Search engines like Google and Bing don’t provide