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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

A Few Fun Statistics About the Average Coupon User

By Erica Quinn

How often do you use coupons when you are shopping online or in local stores? One of the best ways to save money is by using coupons. It's no secret that more people are looking for smart ways to reduce costs – and coupons are one of the easiest and ...

Continue reading A Few Fun Statistics About the Average Coupon User

January 21, 2026

How to Make Saving Fun by Turning It Into a Game

By Mikey Rox

We all want to save money, but for many us, saving is difficult. It may be hard because we don't make enough money to send to our savings accounts, or perhaps we're spending too much of what we earn on frivolous things. Even so, saving isn't ...

Continue reading How to Make Saving Fun by Turning It Into a Game

January 20, 2026

The 50 Biggest Money Mistakes Household CEOs Make

By Len Penzo

I'm not ashamed to admit I make mistakes. After all, everybody screws up occasionally; for us humans, mistakes come with the territory. For example, I remember the time I decided it would be great fun to play Wii golf for eight consecutive hours. ...

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January 19, 2026

19 Things Your Millionaire Neighbor Won’t Tell You

By Len Penzo

Although having a million bucks isn't as impressive as it once was, most people still consider it as a sign of financial success. And judging by the number of actual millionaires enjoying life in the world today, there are apparently quite a lot of ...

Continue reading 19 Things Your Millionaire Neighbor Won’t Tell You

January 5, 2026

Is Saving 15% of Your Income Enough For Retirement?

By Barry Bensen

From the moment we start working, we're already thinking about retirement. Over the course of several decades, countless people put aside funds to ensure that when they are older and ready to hang their hats for the remainder of their life, they have ...

Continue reading Is Saving 15% of Your Income Enough For Retirement?

December 31, 2025

An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

By Paula Pant

I have a confession. Normally I spend a lot of time emphasizing the importance of cultivating habits that reduce your desire to spend. But I have one habit that makes me want to spend more money. It's a practice -- something I do almost daily -- ...

Continue reading An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

December 24, 2025

Moron Alert: How One Man Paid $87,500 in Partially Avoidable IRA Fees

By Joe Saul-Sehy

Over the years I've read plenty of articles and blog posts about lying, cheating, and dumb advisors. While lying and cheating advisors are a topic for another day, I know from experience that there are plenty of morons in the advisory business. ...

Continue reading Moron Alert: How One Man Paid $87,500 in Partially Avoidable IRA Fees

December 22, 2025

Saving Money Is Easy When You Know This Simple Trick

By George Diaz

If you search Google for "how to save money," you'll get 396 million results. With that many results, how is it possible that people still have trouble saving? I'm sure that one of your New Year's resolutions is to save more money too. Let me use ...

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December 10, 2025

How to Save For an Emergency Fund

By Corazon Gritar

Over 31 million injuries that require medical attention occur each year in the United States. If you're injured and don't have an emergency fund, you'll have to cover the insurance co-payment -- or sometimes even the total payment -- on your own. ...

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December 2, 2025

11 Retirement Saving Tips for Twentysomethings (& Older Folks Too)

By Len Penzo

For most twenty-somethings, saving for retirement is typically far far down their priority list. After all, it's tough to get motivated preparing for an event that won't arrive for 30 or 40 years. Heck, I know thirty-somethings and even a few ...

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October 13, 2025

Save Money Faster By Turbo-Charging Your Change Jar

By Len Penzo

I have already shared my frustrating supermarket misadventure where I had the misfortune of getting behind a nice lady who paid for her groceries with a giant bag of quarters. I used that little episode to talk about about the benefits of ...

Continue reading Save Money Faster By Turbo-Charging Your Change Jar

August 18, 2025

A Tried-and-True Wealth Creation Guide

By Sabado Domingo

falling behind

You work hard day after day. However, you feel that instead of working for your money, you could make money work for you. It's likely that you know people with lots of free time and can afford to take an occasional day off. They may have the same ...

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July 2, 2025

How to Maximize Savings Interest with Minimal Risk

By Len Penzo

The only time I ever eat two pieces of cake at one sitting is every year on my birthday. Oh, I know... eating two pieces of cake isn’t good for my waistline. But the birthday excuse hasn’t failed me yet. Speaking of excuses, one of the most common ...

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June 16, 2025

5 Tips for Saving Cash to Start a Business

By Corazon Gritar

Are you thinking of joining one of the 32 million small businesses in the United States? If so, you'll need to save money to get it going. But saving cash to start a business can be tricky. With that in mind, here are several smart tips that will ...

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May 27, 2025

Is It Better to Borrow From Your 401k or Take an Early Withdrawal?

By Anum Yoon

In the case of a financial emergency, you might have to borrow from your 401k plan to find the money you need. This is never an ideal scenario. Especially because taking money out of such accounts can severely set back progress you've made in saving ...

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May 20, 2025

Why It Pays to Start Saving Early for Retirement

By Sabado Domingo

No one is suggesting it's easy for someone in their 20s to imagine retirement but the day does come. Saving early for retirement is important because for every year you delay it, time becomes an increasing enemy. With life expectancy increasing ...

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May 7, 2025

Saving Made Easy: How I Saved $36,000 in 12 Years by Doing This Simple Trick

By Marie C. Franklin

Want to know a trick for saving made easy? I want everyone to pull up a chair and get comfortable because I'm about to tell you a story that may seem hard to believe. But it is the absolute truth. Awhile back, I made a decision that forever changed ...

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May 5, 2025

How To Enjoy Your 20s and Save Money While You’re At It

By Corazon Gritar

If you're like many Gen Zers, you probably suffer from a severe case of FOMO (fear of missing out) because, well ... everybody knows YOLO (you only live once). As a result, you might treat yourself to expensive trips, or nights on the town, because ...

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April 15, 2025

Money Problems? Here’s Why You Never Have As Much as You Think

By Tex Freitag

It's a common experience for millions of people to take a peek at the bank account balance, only to learn that there isn't nearly as much money available as anticipated. What happened to it? Perhaps you immediately implicate your spouse or ...

Continue reading Money Problems? Here’s Why You Never Have As Much as You Think

April 2, 2025

3 Financial Building Blocks That All Parents Should Teach Their Kids

By Enero Febrero

No one is born knowing about money, and some people don't figure it out at any point during adulthood. That's understandable when you're taught about basic financial building blocks as a child. Readers of Len's blog have taken it upon themselves to ...

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March 19, 2025

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