Michele Cagan, CPA
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How Much Does Your Pet Really Cost? Find Out with This FREE worksheet

How Much Does Your Pet Really Cost? Find Out with This FREE worksheet

by Michele Cagan | May 7, 2026 | Personal Finance

When I first wrote this post in 2018, I had 5 in-house pets, two dogs and three cats. In the past two years, I’ve lost two of those much-loved buddies. Now all of my current pets are seniors. And I am on the verge of bringing one or two new guys in to join our zoo....
5 Everyday Financial Terms You Need to Know

5 Everyday Financial Terms You Need to Know

by Michele Cagan | Apr 30, 2026 | Personal Finance, You Need to Know This

Finances are a huge part of everyone’s lives. They figure into almost everything we do. And we’re all supposed to understand how every piece of the financial puzzle works.  But there are so many terms that get thrown around in the financial world – and a...
What’s MAGI and Why Does It Matter?

What’s MAGI and Why Does It Matter?

by Michele Cagan | Jan 1, 2026 | Do Your Own Taxes, Personal Finance, You Need to Know This

This post was originally published March 26th, 2018. It has recently been updated to give you more recent information on MAGI and how it can affect your taxes. There’s an important tax calculation that will never show up on any of your tax forms, but it can make...
5 Tax Moves to Make Before 2025 Ends

5 Tax Moves to Make Before 2025 Ends

by Michele Cagan | Dec 12, 2025 | Do Your Own Taxes, Personal Finance, Saving and Investing, You Need to Know This

Want to lower your 2025 tax bill? This is the perfect time to make that happen.  If you wait til next year, it’ll be too late to make these 5 tax-saving moves. Tax Move #1: Max Out Retirement Accounts Put as much money into traditional retirement accounts as you...
HSA: The Best Retirement Account You’re Not Using

HSA: The Best Retirement Account You’re Not Using

by Michele Cagan | Nov 21, 2025 | Do Your Own Taxes, Personal Finance, Saving and Investing, You Need to Know This

And How to Open One Today Don’t be fooled by the name Health Savings Account (HSA)… HSAs are really retirement accounts in disguise. And if you’re eligible for an HSA, you definitely want one, because they combine all the best features of other retirement plans… and...
What’s a High-Yield Savings Account (HYSA) and Why Do I Need One?

What’s a High-Yield Savings Account (HYSA) and Why Do I Need One?

by Michele Cagan | Sep 19, 2025 | Building a Nest, Making Ends Meet, Personal Finance, Saving and Investing

Do you wish you had more emergency savings to fall back on?  Are you trying to save up for a down payment, a vacation, or a new washer/dryer? Do you want your money to work harder for you? There’s a simple way to make all of those things happen. All it takes is...
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Latest Blog Posts

  • How Much Does Your Pet Really Cost? Find Out with This FREE worksheet
  • 5 Everyday Financial Terms You Need to Know
  • Running Late? File an Income Tax Extension
  • What’s MAGI and Why Does It Matter?
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