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How to Combat the Credit Card Debt Epidemic in America

How to Combat the Credit Card Debt Epidemic in America

In November 2017, Americans’ outstanding credit card debt increased by over $11 billion, officially surpassing $1 trillion in total. Although this record high may indicate that consumer confidence is rising in the United States, it could be a warning sign of a major...
How to Lose All of Your Money in the Stock Market

How to Lose All of Your Money in the Stock Market

It is no secret that investing in the stock market is often the most appealing method of earning money. After all, much of the public still holds onto popular misconceptions regarding stocks — the biggest being that such investments will garner short-term results,...
How Much Does Investing Truly Cost?

How Much Does Investing Truly Cost?

Investing is one of the best methods of building wealth over a long period of time. However, many people struggle to find additional money to invest every year. Additionally, investment fees are an expense that few people take into consideration. Plus, if you pay for...
Financial Resolutions Everyone Should Make For the New Year

Financial Resolutions Everyone Should Make For the New Year

New Year’s resolutions are a common phenomenon in the United States. People resolve to eat better, lose weight, or stop smoking. Some will fail, but others will be able to maintain their goals. While many seem to make resolutions that pertain to their physical...
Three Reasons Why You May Want to Keep Your Mortgage

Three Reasons Why You May Want to Keep Your Mortgage

As you approach the end of your time in the workforce and look ahead to retirement, you may feel the urge — or even the obligation — to pay down a majority of your debt while you still have discretionary income. While this is an excellent idea in some regards, it may...
Welcome!

Welcome!

This is the first post on David S. Chang’s blog dedicated to taking a smart approach to finance and wealth management. Come back soon!