Debt-Free Education a Head Start for Success

Watch this video on YouTube Here’s a strategy to give yourself a strong start toward career success: graduate from college with little or no debt. This may be harder than it used to be, but with planning and commitment it can still be done. You might consider...

The Deeper Costs of College Debt

Watch this video on YouTube Not only is a college education a door to higher wages, but providing that education is an important segment of our economy and a huge source of good paying jobs. In 2017 the average salary for the country’s 624,822 full-time college...

Sarah Swantner’s MS and Pioneering Financial Therapy Internship

Watch this video on YouTube It’s not every day that a college student gets to be the first person in the US to accomplish something. It’s rarer when that student’s pioneering achievement is also a “first” for their university. The student is Sarah...

How to Help Grandkids Pay for College

Watch this video on YouTube One financial goal held by many of my clients is to help pay for their grandkids’ education. This generosity can foster gratitude and family closeness. Unfortunately, it can also foster resentment and family misunderstandings. Here...

Read Rick’s Columns At KFG Blog, No Longer In Rapid City Journal

The ending of a long-time business relationship is often a time of difficult emotions. This has been true for me this month after learning that the local newspaper will no longer run my weekly columns. The Rapid City Journal, owned by Lee Enterprises, has been cutting...

Financial Health and Survival Instincts

Watch this video on YouTube My research in psychology, along with 35 years of experience working with people and their finances, suggests that how we handle money is more instinctual than cognitive. It’s more a factor of our brains’ hard-wiring than it is...