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I'm Jim and I created WalletHacks.com to help demystify money. For too long, experts have made it complicated so they can make money off you.

We offer no products, no services – just information to help you become better with your money.

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What Is a Self-Directed IRA? What You Should Know Before Signing Up

A self-directed IRA is a special brokerage account that enables you to invest in assets and asset classes that are not available in conventional IRAs. For example, it’s possible to have a self-directed IRA that will allow you to hold investment real estate. But are self-directed IRAs suitable for the average investor? Find out why or why not.

15 Banks That Don’t Use ChexSystems

Chexsystems is like a credit-reporting agency for bank accounts. Unfortunately, a low Chexsystems score can make it difficult to open a checking account. If you're struggling with a low Chexsystems score, here's a list of fifteen banks that don't use Chexsystems, where you can open an account.

What Happens When an Insurance Company Goes Out of Business?

What do you do if your insurance company goes out of business? Getting a refund isn’t exactly an option although you can still have coverage and file claims during this unfortunate event. The impact can be worse for life, long-term care, and disability policies. Here is a closer look at your options if your insurance company declares bankruptcy.


Put Cash In Your Pocket:

How to invest in yourself

Pandas are pretty much awesome. They live one of the most casual lifestyles. For 14 hours of each day, they…

7 High-Income Skills You Can Start Learning Today

One of the great things about our immersion into the online world is that it allows anyone to learn high-income skills. There are options within your grasp. Don’t limit your income to what you make at your day job. Learn a high-income skill and expand your potential so you can reach all of your financial goals.

Best Places to Sell Gold: Where to Get the Best Price Online and In-Person

Your gold collection can consist of several different articles including jewelry, coins and bars. You may also have other items containing gold like watches and collectibles. No matter what form of gold you own, knowing the best places to sell gold will help you get more money as prices can vary wildly.

How to Use a Health Savings Account: Understanding How HSA Accounts Work

The Health Savings Account is a tax-advantaged health cost savings plan used with your employer's high deductible health plan. Also known as an HSA, it can help you cover healthcare expenses, save money on taxes, and even save money for retirement. Find out how to use a Health Savings Account to your advantage.

What Is a Self-Directed IRA? What You Should Know Before Signing Up

A self-directed IRA is a special brokerage account that enables you to invest in assets and asset classes that are not available in conventional IRAs. For example, it’s possible to have a self-directed IRA that will allow you to hold investment real estate. But are self-directed IRAs suitable for the average investor? Find out why or why not.

How to Buy Stellar Lumens (XLM) Cryptocurrency

Developed in 2014, Stellar Lumens (XLM) has become a popular cryptocurrency, alongside names like Bitcoin and Ethereum. But unlike many other cryptos, Stellar Lumens was meant to function as a medium of exchange, not just as a standalone investment. Our guide will tell you how and where you can buy Stellar Lumens.

How to Buy Ripple (XRP) Cryptocurrency

There are thousands of cryptocurrencies, with more being added all the time. But one that’s rising in popularity is Ripple. More commonly referred to by its symbol XRP, it can be bought and sold easily on both crypto exchanges and through certain investment brokers. If you've never purchased Ripple before, we'll walk you through the process.

Your Guide to the Ray Dalio All-Weather Portfolio

The All-Weather Portfolio won’t outperform a growth-oriented portfolio over the long term and will even trail well behind it during times of stability and growth. But the All-Weather Portfolio does something a growth-oriented portfolio won’t and probably can’t do; protect your portfolio during times of economic and financial crisis.


Money Management:

Drawing Your Financial Map

At one point, I once had over a dozen checking accounts. (which is too many bank accounts) I was doing…


Wallet Hack Guides:

Epic Life Events

These are those events in your life that seem EPIC at the time, simply because it's your first. Looking back, they're not as daunting and we can help you get them right the first time.

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Grand Goals

Grand Goals are laser-focused guides for achieving a financial goal. They aren't textbooks teaching you every aspect, they're a series of levers you can pull to get what you want.

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Money Saving Guides

These guides will show you the tactics I use to save thousands of dollars each year. And they don't involve cutting out something as vital as coffee or whatever your favorite vice might be.

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