Leaving a job with an outstanding 401(k) loan? You could be hit with unexpected taxes if you’re not careful. This post breaks down what happens when a plan loan is "offset," what qualifies as a Qualified Plan Loan Offset (QPLO), and how to avoid paying unnecessary taxes by understanding your rollover options. Simple, practical advice—no jargon required.

Refinancing your mortgage can save you serious money — but only if you do it at the right time. From dropping interest rates to better credit scores and rising home values, this post breaks down when it actually makes sense to refi and when it might be better to wait.