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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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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Leave a Comment 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 ...

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

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

Smart Money Habits to Help You Save More Every Month

By Corazon Gritar

smart money habits

Creating smart money habits is a powerful way to enhance financial stability and achieve long-term goals. In today's fast-paced world, where expenditures seem endless, adopting strategic approaches to money management is essential. This article ...

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February 13, 2025

10 Easy Ways to Save Big Money Every Day

By Len Penzo

Savvy individuals are always looking for great ways to cut costs and save money. In fact, sticking to a careful budget today is more important than ever. But individuals who want to save big money don't need to worry. Here are 10 simple tips that can ...

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February 10, 2025

Behold the Power of Compound Interest!

By Len Penzo

George Lucas continues to mislead millions of people into believing that the most powerful force in the universe is, well ... the Force. But every successful household CEO knows for a fact that Lucas is dead wrong. That is not surprising at all given ...

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December 23, 2024

6 Ways to Save Money Despite Living Paycheck to Paycheck

By Sabado Domingo

If you've been living paycheck to paycheck, starting a savings account might seem like an impossible feat. However, there are things you can do to save money, even if it's only a little bit at a time. For example: Shop Smarter One major reason why ...

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November 13, 2024

10 More Financial Old Wives’ Tales Masquerading As Rules of Thumb

By Len Penzo

There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth. I know. I don't buy it either. Still, let's assume these folks know what they're talking about; ...

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October 21, 2024

Your Christmas Fund: 12 Ways to Save $2000 Before the Holidays

By Mikey Rox

September is here and the holidays are less than three months away, so if you don't yet have enough cash stashed in your Christmas fund to cover all the upcoming expenses -- like hosting family dinners, gifts, and all that extra gas you'll use ...

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September 17, 2024

Personal Finance for Kids: My 12-Year-Old Daughter Explains Her Strategy

By Len Penzo

My daughter, Nina, turned 25 years old last month. I know it's cliche, but I truly do remember the day she was born like it was yesterday. I'm happy to say that Nina has always been a natural saver and good at managing her money -- and when it ...

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September 9, 2024

How to Save for a New Home With Spotty Income

By Len Penzo

Some of the most important things in life are always taken for granted. After all, most of us drawing a steady salary never consider how fortunate we are to get a regular paycheck. On the other hand, those who work on commission or depend on tips for ...

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August 19, 2024

Why Cutting Expenses to the Bone Isn’t Always Enough

By Len Penzo

The other day I was fueling up my car at the local gas station. While I was waiting for the tank to fill, I thought it would be a good idea to get rid of the remains of a ridiculously large bug that was splattered on the windshield. Unfortunately, ...

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August 12, 2024

Real-Life Example: Why Every Homeowner Needs an Emergency Fund

By Len Penzo

Everybody needs an emergency fund. However, believe it or not, a USA Today survey found that 70% of Americans have less than $1000 in savings. And while I can at least partially understand why those living on very tight budgets may have trouble ...

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July 8, 2024

How Eating Donuts Can Help You Stay on Budget

By Barbara Friedberg

Occasionally, my hubby picks up a donut for a breakfast treat. I usually refrain from this particular indulgence; too fattening, too many calories, etc. Yesterday, since it was such a lean sweet day, I decided to join him for a donut. I selected a ...

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June 5, 2024

20 Ways to Save $5 a Day

By Mikey Rox

Need $100 this month? Who doesn't! The trick is in finding an easy way to save that cash in small increments. The good news is you can add an extra benjamin or two to your bank account by taking advantage of these simple ways to save $5 a ...

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June 4, 2024

5 Ideas That Will Teach Kids to Save Money

By Len Penzo

As a parent of two children, I realized early on that trying to teach them the importance of saving money is a tall order. After all, we should all strive to teach kids to save money. But let's face it, how many 9-year-olds care about stuff like the ...

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May 13, 2024

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