Education
Your weekly hike through finance with insights from subject matter experts, real-world solutions and information to guide you to financial freedom.
Education
Your weekly hike through finance with insights from subject matter experts, real-world solutions and information to guide you to financial freedom.
Recent Blogs
From Digital 401(k) to Trusted AI Advisor How 3Nickels Is Redefining Financial Management—Again
A recent article Financial Wellness Is Watching You—and That’s Not Always a Bad Thing applauded...
Better Together The Age of Aligned & Explainable AI Advisory
After helping build some of the nation’s earliest 401(k) systems in the 1980s and co-founding...
What is “Income Replacement?”
When you save for retirement, you may notice retirement planners use the phrase “income...
Buy-Now, Pay Later (BNPL) Data Is Coming to Your Members’ Credit Scores
Recently1 FICO announced it will introduce BNPL data to credit scores this Fall. This announcement...
How SB 305 Will Transform Retirement for 600K Workers Are You Ready for July 2025?
Disclosure: This article is for general informational purposes only and does not constitute legal,...
Will Tariffs Affect Me Personally?
With all the noise in the press, figuring out how tariffs will actually affect you personally is...
How Do You Choose a Retirement Age?
Let us rephrase this question: When can you afford to retire? The answer depends on three factors:...
The Costliest Emergency Expenses Brace for Impact
When an unexpected financial emergency strikes, it can drastically impact your savings....
Final Expenses: What They Are and How to Plan for Them
Although dealing with final expenses is a crucial aspect of life planning, it is an aspect we...
Oh hey there, you've found this personal finance blog!
Now what?
When you read a finance blog, you’re looking for easily-digestible thoughts about what you need to do. That’s when you start to ask some hard questions.
Saving money is hard, am I right?
What am I supposed to be doing that relates to my financial situation?
What if I’m too tired to read and want a personal finance TLDR?
What’s the best budgeting app out there?
Can I read this finance blog and download a companion finance app that will actually help me?
Do I need to do a Personal Finance 101 class to figure things out?
How am I supposed to buy a house in this economy?
These questions and many more like them are normal, and that’s part of our goal here at 3Nickels. We ask the hard questions and talk about personal finance in ways that everyone can understand. With the help of our app, 3Nickels, we can help you understand and reach your goals. Let’s start to normalize these conversations about finance with “That’s Normal”.