The Planning & Prospering Journal https://www.pandpjournal.com/ Financial clarity for real life: practical coverage of money, insurance, investing, retirement and legacy. en-us Tue, 18 Aug 2026 13:00:00 +0000 <![CDATA[Five Signs You Need a Financial Plan, Not Just a Budget]]> https://www.pandpjournal.com/five-signs-you-need-a-financial-plan-not-just-a-budget.html https://www.pandpjournal.com/five-signs-you-need-a-financial-plan-not-just-a-budget.html Tue, 18 Aug 2026 13:00:00 +0000 <![CDATA[How to Have the Money Talk With Your Aging Parents]]> https://www.pandpjournal.com/how-to-have-the-money-talk-with-your-aging-parents.html https://www.pandpjournal.com/how-to-have-the-money-talk-with-your-aging-parents.html Fri, 14 Aug 2026 13:00:00 +0000 <![CDATA[How to Build a 90-Day Financial Reset Plan]]>https://www.pandpjournal.com/how-to-build-a-90-day-financial-reset-plan.htmlhttps://www.pandpjournal.com/how-to-build-a-90-day-financial-reset-plan.htmlTue, 11 Aug 2026 12:00:00 +0000 <![CDATA[Two Paychecks, One Risk: Close the Disability Gap]]>https://www.pandpjournal.com/two-paychecks-one-risk-close-the-disability-gap.htmlhttps://www.pandpjournal.com/two-paychecks-one-risk-close-the-disability-gap.htmlThu, 06 Aug 2026 12:00:00 +0000 <![CDATA[Build Your Retirement Scorecard: 7 Checks That Prove You Are On Track]]>https://www.pandpjournal.com/build-your-retirement-scorecard-7-checks.htmlhttps://www.pandpjournal.com/build-your-retirement-scorecard-7-checks.htmlTue, 04 Aug 2026 12:00:00 +0000 <![CDATA[Stop Naming Your Estate: The Beneficiary Mistake Costing Families Thousands]]>https://www.pandpjournal.com/stop-naming-your-estate-beneficiary-mistake.htmlhttps://www.pandpjournal.com/stop-naming-your-estate-beneficiary-mistake.htmlThu, 30 Jul 2026 12:00:00 +0000 <![CDATA[Lock In Guaranteed Income With Today's Yields]]>https://www.pandpjournal.com/lock-in-guaranteed-income-with-todays-yields.htmlhttps://www.pandpjournal.com/lock-in-guaranteed-income-with-todays-yields.htmlTue, 28 Jul 2026 12:00:00 +0000 <![CDATA[Stack the Odds: Index Funds vs. Active, What the Data Says]]>https://www.pandpjournal.com/stack-the-odds-index-vs-active-data.htmlhttps://www.pandpjournal.com/stack-the-odds-index-vs-active-data.htmlTue, 21 Jul 2026 12:00:00 +0000 <![CDATA[Stop Worshiping 800: Your Credit Score Is Not Your Report Card]]>https://www.pandpjournal.com/stop-worshiping-800.htmlhttps://www.pandpjournal.com/stop-worshiping-800.htmlFri, 17 Jul 2026 12:00:00 +0000 <![CDATA[Skip Probate, Spare Conflict: Will + Trust Together]]>https://www.pandpjournal.com/skip-probate-spare-conflict-will-trust-together.htmlhttps://www.pandpjournal.com/skip-probate-spare-conflict-will-trust-together.htmlThu, 16 Jul 2026 12:00:00 +0000 <![CDATA[Crush Debt Faster: Avalanche vs. Snowball]]>https://www.pandpjournal.com/crush-debt-faster-avalanche-vs-snowball.htmlhttps://www.pandpjournal.com/crush-debt-faster-avalanche-vs-snowball.htmlTue, 14 Jul 2026 12:00:00 +0000 <![CDATA[Build Your Family's Safety Net: Life Insurance Basics]]>https://www.pandpjournal.com/build-your-familys-safety-net-life-insurance-basics.htmlhttps://www.pandpjournal.com/build-your-familys-safety-net-life-insurance-basics.htmlThu, 09 Jul 2026 12:00:00 +0000