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Education

What’s a CeFT? A Look At Financial Professionals’ Designations

If you’re looking for a financial advisor, one of the first things you may notice is the array of letters behind their names. (For example, mine include MS, CFP®, CFT-I™, and CeFT®.) Chances are you don’t know what all these designations mean, and your eyes may glaze...

Feelings about Student Loan Forgiveness are Complicated

I appear monthly on South Dakota Public Broadcasting’s “In The Moment” program, hosted by Lori Walsh. In a recent segment, she asked me to address the emotions around student loan forgiveness, especially for those who had no debt or did not qualify for such programs....

What’s Behind Soaring College Costs and What You Can Do

Since I first wrote on the increasing cost of a college education in 2011, has anything changed? The short answer is “no.” The cumulative increase in college tuition has been much higher than the cumulative increase in inflation over the past 40 years. Between 1980...

Winners and Losers If Non-Compete Agreements Are Banned

If the U.S. Federal Trade Commission (FTC) is successful in getting a new rule enforced, non-compete agreements may soon become illegal in all 50 states. This potentially gives employees reason to celebrate, while employers may feel despondent. Not surprisingly, while...

My State Flunked Financial Literacy. How About Yours?

My CFP peers across the nation are probably tired of hearing me sing the praises of living in South Dakota. One of them recently emailed some disturbing news that put some sour notes in my “South Dakota is God’s Country” song. A recent national survey that ranked the...

Teaching Money Skills Essential For 21st Century

For our ancestors, even as recently as the 19th Century in many places, survival skills were hands-on. If you didn’t know how to build a house, farm, hunt, butcher animals, sew, and cook, you couldn’t provide well for your family. Money skills were largely...