Get A Grip On Your Money with Damon Carr

Damon Carr
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Financial Planner, Money Coach, Tax Pro Personal Finance Journalist Damon Carr Helps Everyday People Get A Grip On Their Money. In this Podcast Damon will delve into articles he’s written in his Personal Finance Column “The Carr Report” and “Ask Damon” E-Newsletter and he’ll discuss Trending Topics in the news about money

  1. 12h ago

    🚗💨 𝐘𝐎𝐔𝐑 𝐏𝐀𝐈𝐃-𝐎𝐅𝐅 𝐂𝐀𝐑 𝐈𝐒 𝐍𝐎𝐓 𝐀 𝐏𝐑𝐎𝐁𝐋𝐄𝐌. 𝐈𝐓'𝐒 𝐀 𝐏𝐀𝐘 𝐑𝐀𝐈

    The average vehicle on American roads is now 𝟏𝟐.𝟖 𝐲𝐞𝐚𝐫𝐬 𝐨𝐥𝐝 — the oldest fleet in recorded history, according to S&P Global Mobility. Regular cars average 𝟏𝟒.𝟓 𝐲𝐞𝐚𝐫𝐬. Even the trucks are pushing 12. Read that again. America isn't holding onto these rides for nostalgia. We're holding on because the average new vehicle costs about $𝟓𝟎,𝟎𝟎𝟎, with a typical payment around $𝟕𝟕𝟎 𝐚 𝐦𝐨𝐧𝐭𝐡.  That's not a car note. 𝐓𝐡𝐚𝐭'𝐬 𝐚 𝐬𝐞𝐜𝐨𝐧𝐝 𝐫𝐞𝐧𝐭. 😳 Meanwhile, the paid-off car in your driveway just sits there, quietly making you rich. No payment. Cheaper insurance. Depreciation already took its beating. 𝐖𝐞𝐚𝐥𝐭𝐡 𝐢𝐬𝐧'𝐭 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐝𝐢𝐬𝐩𝐥𝐚𝐲. 𝐈𝐭'𝐬 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐊𝐄𝐄𝐏. And nothing keeps money like a car that's already yours. 𝐇𝐞𝐫𝐞'𝐬 𝐭𝐡𝐞 𝐭𝐫𝐚𝐩: you trade a running, paid-off car because it "looks old," then volunteer for 72 months of payments, higher insurance, and higher everything. That's roughly $𝟗,𝟐𝟒𝟎 𝐚 𝐲𝐞𝐚𝐫 walking out the door to impress people who don't pay one bill at your house. 𝐅𝐢𝐱 𝐢𝐭: 1️⃣ 𝐑𝐮𝐧 𝐭𝐡𝐞 𝐫𝐞𝐩𝐚𝐢𝐫 𝐦𝐚𝐭𝐡. If your last 12 months of repairs cost less than three car payments (about $2,300), you are WINNING. Keep driving. 2️⃣ 𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐞 𝐭𝐡𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞. Estimate what you can realistically afford as a car payment. Then set aside that amount every month for a minimum of 3–6 months — preferably 6. It does two things: builds your 𝐝𝐨𝐰𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 savings and gets you accustomed to living without that money. It's also a 𝐬𝐭𝐫𝐞𝐬𝐬 𝐭𝐞𝐬𝐭. If you can't save the estimated payment, you can't afford the car. 3️⃣ 𝐑𝐞𝐩𝐥𝐚𝐜𝐞 𝐨𝐧 𝐘𝐎𝐔𝐑 𝐬𝐜𝐡𝐞𝐝𝐮𝐥𝐞. Safety tech matters — but buy when the car is truly done, not when the Joneses upgrade. 𝐒𝐨, 𝐖𝐡𝐚𝐭'𝐬 𝐭𝐡𝐞 𝐁𝐨𝐭𝐭𝐨𝐦 𝐋𝐢𝐧𝐞? Drive the paid-off car with your chest out. The Joneses have a payment. You have options. 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲! 💪🏾 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧!  𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist #TheCarrReport #GetAGripOnYourMoney #MoneyCoach #PaidOffCar #GrowTheGap #FinancialAdviceYouCanBankOn

  2. 3d ago

    💰 DON’T TRADE BONDS? YOUR WALLET STILL FEELS THEM!

    The 𝟏𝟎-𝐲𝐞𝐚𝐫 𝐓𝐫𝐞𝐚𝐬𝐮𝐫𝐲 𝐲𝐢𝐞𝐥𝐝 closed Friday around 𝟓.𝟐𝟖%. Sounds like Wall Street business? That number can walk straight into your 𝐡𝐨𝐮𝐬𝐞𝐡𝐨𝐥𝐝 𝐛𝐮𝐝𝐠𝐞𝐭. 🏠 Here’s the connection: Investors can buy government 𝐓𝐫𝐞𝐚𝐬𝐮𝐫𝐲 𝐧𝐨𝐭𝐞𝐬 or 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐢𝐞𝐬 𝐛𝐚𝐜𝐤𝐞𝐝 𝐛𝐲 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬. Mortgage investors want 𝐞𝐱𝐭𝐫𝐚 𝐜𝐨𝐦𝐩𝐞𝐧𝐬𝐚𝐭𝐢𝐨𝐧 for risks like 𝐞𝐚𝐫𝐥𝐲 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 and 𝐦𝐢𝐬𝐬𝐞𝐝 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬. Think of it as 𝐡𝐚𝐳𝐚𝐫𝐝 𝐩𝐚𝐲. When 𝐓𝐫𝐞𝐚𝐬𝐮𝐫𝐲 𝐲𝐢𝐞𝐥𝐝𝐬 𝐜𝐥𝐢𝐦𝐛, mortgage investments must compete. That puts upward pressure on 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐫𝐚𝐭𝐞𝐬—and the payment attached to your dream house. Same house. Same income. 𝐁𝐢𝐠𝐠𝐞𝐫 𝐩𝐚𝐲𝐦𝐞𝐧𝐭. That can shrink your 𝐛𝐮𝐲𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫 before you even schedule a showing. ⚠️ But don’t confuse the connections: Credit cards and home equity lines generally follow 𝐩𝐫𝐢𝐦𝐞 𝐫𝐚𝐭𝐞𝐬, while savings and CD rates depend heavily on 𝐬𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦 𝐫𝐚𝐭𝐞𝐬 and 𝐛𝐚𝐧𝐤 𝐜𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧. Your move? Attack expensive 𝐯𝐚𝐫𝐢𝐚𝐛𝐥𝐞-𝐫𝐚𝐭𝐞 𝐝𝐞𝐛𝐭. Compare 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐲𝐢𝐞𝐥𝐝𝐬. Shop 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐨𝐟𝐟𝐞𝐫𝐬. Don’t stretch your budget hoping rates will rescue you later. And don’t let one scary headline bully you into abandoning your 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧. Get your money 𝐞𝐚𝐫𝐧𝐢𝐧𝐠 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 instead of constantly 𝐩𝐚𝐲𝐢𝐧𝐠 𝐢𝐭! 💪🏾 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧! 𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! TheCarrReport.com ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist. #TheCarrReport #MoneyCoachDamonCarr #GetAGripOnYourMoney #MortgageRates #FinancialLiteracy

  3. 3d ago

    𝐘𝐎𝐔 𝐃𝐎𝐍'𝐓 𝐍𝐄𝐄𝐃 𝐌𝐎𝐍𝐄𝐘 𝐓𝐎 𝐒𝐓𝐀𝐑𝐓 𝐈𝐍𝐕𝐄𝐒𝐓𝐈𝐍𝐆. 𝐘𝐎𝐔 𝐍𝐄𝐄𝐃 𝐈

    𝐒𝐭𝐢𝐥𝐥 𝐭𝐡𝐢𝐧𝐤 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐭𝐡𝐨𝐮𝐬𝐚𝐧𝐝𝐬 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭? 𝐓𝐡𝐚𝐭'𝐬 𝐚 𝐥𝐢𝐞 𝐭𝐡𝐚𝐭'𝐬 𝐤𝐞𝐩𝐭 𝐲𝐨𝐮 𝐛𝐫𝐨𝐤𝐞. Fractional shares let you build a REAL portfolio with $25 a month into an index fund. The entry fee is dead. Bury it. 📈 𝐒𝐭𝐞𝐩 𝟏: 𝐆𝐫𝐚𝐛 𝐭𝐡𝐞 𝐟𝐫𝐞𝐞 𝐦𝐨𝐧𝐞𝐲. Job offers a 401(k) match? That's an INSTANT 100% return — no stock alive beats it. Skipping it means you declined a raise and smiled about it. 🚫 𝐒𝐭𝐞𝐩 𝟐: 𝐀𝐮𝐭𝐨𝐦𝐚𝐭𝐞 𝐢𝐭. $25 or $50 out on payday before your feelings get a vote. Wealth isn't what you display — it's what you KEEP. 𝐒𝐭𝐞𝐩 𝟑: 𝐑𝐨𝐭𝐡 𝐈𝐑𝐀. No employer plan? Open one. Grows tax-free, and your contributions come back out anytime, no penalty. That's a safety net, not a lockbox. Now peep the math: 𝟐𝟎𝟎 𝐚 𝐦𝐨𝐧𝐭𝐡 𝐚𝐭 𝟏𝟎% 𝐟𝐨𝐫 𝟑𝟎 𝐲𝐞𝐚𝐫𝐬 = 𝐚𝐛𝐨𝐮𝐭 𝟒𝟓𝟐,𝟎𝟎𝟎. You put in $72,000. Growth handled the rest. Add an employer matching dollar-for-dollar up to 4% on a $60K salary? 𝟒𝟎𝟎 𝐚 𝐦𝐨𝐧𝐭𝐡 = 𝐚𝐛𝐨𝐮𝐭 𝟗𝟎𝟒,𝟎𝟎𝟎. Same money out YOUR pocket — double the ending. ⏳ Bottom line: you're not too broke to invest. 𝐘𝐨𝐮'𝐫𝐞 𝐭𝐨𝐨 𝐛𝐫𝐨𝐤𝐞 𝐍𝐎𝐓 𝐭𝐨. Start small. Stay consistent. Bump it 1% a year. Starting beats amount — every single time. ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧! 𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! 🌐 TheCarrReport.com #TheCarrReport #GetAGripOnYourMoney #MoneyCoach #Investing #BuildWealth #FinancialAdviceYouCanBankOn

  4. 6d ago

    🛒👀 𝐒𝐀𝐌𝐄 𝐏𝐑𝐎𝐃𝐔𝐂𝐓. 𝐃𝐈𝐅𝐅𝐄𝐑𝐄𝐍𝐓 𝐏𝐑𝐈𝐂𝐄. 𝐈𝐒 𝐘𝐎𝐔𝐑 𝐃𝐀𝐓𝐀 𝐂𝐎𝐒

    You thought you were shopping for a deal. Meanwhile, somebody's algorithm might be 𝐬𝐡𝐨𝐩𝐩𝐢𝐧𝐠 𝐘𝐎𝐔𝐑 𝐩𝐨𝐜𝐤𝐞𝐭𝐬. Welcome to 𝐬𝐮𝐫𝐯𝐞𝐢𝐥𝐥𝐚𝐧𝐜𝐞 𝐩𝐫𝐢𝐜𝐢𝐧𝐠—using personal information to help determine the prices or discounts you see. Your 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧, 𝐛𝐫𝐨𝐰𝐬𝐢𝐧𝐠 𝐡𝐢𝐬𝐭𝐨𝐫𝐲, 𝐬𝐡𝐨𝐩𝐩𝐢𝐧𝐠 𝐡𝐚𝐛𝐢𝐭𝐬, 𝐞𝐯𝐞𝐧 𝐢𝐭𝐞𝐦𝐬 𝐬𝐢𝐭𝐭𝐢𝐧𝐠 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐜𝐚𝐫𝐭 can become pricing clues. 📱 The FTC's initial research found that pricing companies can use detailed consumer data to tailor prices and promotions. Translation: 𝐓𝐡𝐞 𝐩𝐫𝐢𝐜𝐞 𝐜𝐚𝐧 𝐝𝐞𝐩𝐞𝐧𝐝 𝐨𝐧 𝐰𝐡𝐚𝐭 𝐭𝐡𝐞 𝐬𝐲𝐬𝐭𝐞𝐦 𝐤𝐧𝐨𝐰𝐬 𝐚𝐛𝐨𝐮𝐭 𝐘𝐎𝐔. Think about that. You're trying to stretch your paycheck while technology helps businesses figure out 𝐡𝐨𝐰 𝐦𝐮𝐜𝐡 𝐲𝐨𝐮 𝐦𝐢𝐠𝐡𝐭 𝐭𝐨𝐥𝐞𝐫𝐚𝐭𝐞 𝐩𝐚𝐲𝐢𝐧𝐠. I call that a potential "𝐚𝐥𝐠𝐨𝐫𝐢𝐭𝐡𝐦 𝐭𝐚𝐱." No official tax bill. Just another way 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐜𝐚𝐧 𝐪𝐮𝐢𝐞𝐭𝐥𝐲 𝐥𝐞𝐚𝐯𝐞 𝐲𝐨𝐮𝐫 𝐩𝐨𝐜𝐤𝐞𝐭. 💸 But keep it real: 𝐀 𝐩𝐫𝐢𝐜𝐞 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐚𝐥𝐨𝐧𝐞 𝐝𝐨𝐞𝐬𝐧'𝐭 𝐩𝐫𝐨𝐯𝐞 𝐬𝐮𝐫𝐯𝐞𝐢𝐥𝐥𝐚𝐧𝐜𝐞 𝐩𝐫𝐢𝐜𝐢𝐧𝐠. Timing, inventory, delivery location, and different sellers can also change the total. Here's how to 𝐬𝐡𝐨𝐩 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐞𝐲𝐞𝐬 𝐨𝐩𝐞𝐧: 🔎 𝐂𝐨𝐦𝐩𝐚𝐫𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐜𝐨𝐦𝐦𝐢𝐭. Check competing retailers and match the exact product, quantity, and delivery terms. 🕵🏾 𝐓𝐫𝐲 𝐩𝐫𝐢𝐯𝐚𝐭𝐞 𝐛𝐫𝐨𝐰𝐬𝐢𝐧𝐠 𝐨𝐫 𝐬𝐡𝐨𝐩𝐩𝐢𝐧𝐠 𝐰𝐡𝐢𝐥𝐞 𝐥𝐨𝐠𝐠𝐞𝐝 𝐨𝐮𝐭. Compare another browser or device, too. These checks don't guarantee a lower price or make you invisible. ⚙️ 𝐓𝐢𝐠𝐡𝐭𝐞𝐧 𝐲𝐨𝐮𝐫 𝐩𝐫𝐢𝐯𝐚𝐜𝐲 𝐬𝐞𝐭𝐭𝐢𝐧𝐠𝐬. Review location access, app permissions, and optional tracking. 🧾 𝐖𝐚𝐭𝐜𝐡 𝐭𝐡𝐞 𝐅𝐈𝐍𝐀𝐋 𝐭𝐨𝐭𝐚𝐥. Shipping, service charges, and checkout fees can swallow that "deal." 📣 𝐃𝐞𝐦𝐚𝐧𝐝 𝐭𝐫𝐚𝐧𝐬𝐩𝐚𝐫𝐞𝐧𝐜𝐲. Consumers deserve clear explanations when personal data influences pricing. 𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐜𝐨𝐧𝐯𝐞𝐧𝐢𝐞𝐧𝐜𝐞 𝐩𝐮𝐭 𝐲𝐨𝐮𝐫 𝐰𝐚𝐥𝐥𝐞𝐭 𝐨𝐧 𝐚𝐮𝐭𝐨𝐩𝐢𝐥𝐨𝐭. 𝐌𝐚𝐤𝐞 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐜𝐨𝐦𝐩𝐞𝐭𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐝𝐨𝐥𝐥𝐚𝐫𝐬! 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧! 𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! 🌐 TheCarrReport.com ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist. #TheCarrReport #MoneyCoachDamonCarr #SurveillancePricing #ShopSmart #GetAGripOnYourMoney

  5. Sep 29

    📱💰 𝐓𝐀𝐋𝐊𝐈𝐍𝐆 𝐓𝐀𝐗𝐄𝐒: 𝐓𝐇𝐄 𝐈𝐑𝐒 𝐉𝐔𝐒𝐓 𝐔𝐏𝐆𝐑𝐀𝐃𝐄𝐃 𝐘𝐎𝐔𝐑 𝐏𝐇𝐎𝐍

    You use your phone to check your bank balance, order dinner, and scroll through everybody's business. Now you can use it to handle more of your tax business, too! 👀 𝐓𝐡𝐞 𝐧𝐞𝐰 𝐨𝐟𝐟𝐢𝐜𝐢𝐚𝐥 𝐈𝐑𝐒 𝐚𝐩𝐩 𝐫𝐞𝐩𝐥𝐚𝐜𝐞𝐬 𝐈𝐑𝐒𝟐𝐆𝐨, putting more tax tools right at your fingertips. Less guessing. More access. And fewer excuses for ignoring what's happening with your account. Here's what you can do: 👇🏾 💵 𝐓𝐫𝐚𝐜𝐤 𝐲𝐨𝐮𝐫 𝐫𝐞𝐟𝐮𝐧𝐝. Check its progress instead of refreshing your bank account every fifteen minutes. 📊 𝐕𝐢𝐞𝐰 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐛𝐚𝐥𝐚𝐧𝐜𝐞𝐬. Know where you stand. Ignoring a tax bill won't make it disappear. 💳 𝐌𝐚𝐤𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐚𝐧𝐝 𝐫𝐞𝐯𝐢𝐞𝐰 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐚𝐜𝐭𝐢𝐯𝐢𝐭𝐲. Stay organized and keep tabs on what you've paid. 📬 𝐑𝐞𝐯𝐢𝐞𝐰 𝐬𝐞𝐥𝐞𝐜𝐭 𝐈𝐑𝐒 𝐧𝐨𝐭𝐢𝐜𝐞𝐬 𝐚𝐧𝐝 𝐥𝐞𝐭𝐭𝐞𝐫𝐬. Don't let important information sit unread. 📄 𝐀𝐜𝐜𝐞𝐬𝐬 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐭𝐚𝐱 𝐫𝐞𝐜𝐨𝐫𝐝𝐬 𝐚𝐧𝐝 𝐭𝐫𝐚𝐧𝐬𝐜𝐫𝐢𝐩𝐭𝐬. Get the paperwork you need without digging through that mystery pile on your kitchen table. ⚙️ 𝐌𝐚𝐧𝐚𝐠𝐞 𝐜𝐞𝐫𝐭𝐚𝐢𝐧 𝐩𝐫𝐨𝐟𝐢𝐥𝐞 𝐚𝐧𝐝 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐩𝐫𝐞𝐟𝐞𝐫𝐞𝐧𝐜𝐞𝐬. Keep your account working for you. 𝐓𝐡𝐞 𝐚𝐩𝐩 𝐢𝐬 𝐅𝐑𝐄𝐄 𝐨𝐧 𝐭𝐡𝐞 𝐀𝐩𝐩𝐥𝐞 𝐀𝐩𝐩 𝐒𝐭𝐨𝐫𝐞 𝐚𝐧𝐝 𝐆𝐨𝐨𝐠𝐥𝐞 𝐏𝐥𝐚𝐲. Already have IRS2Go? Your app updates automatically if automatic updates are enabled. ✅ But understand this: 𝐈𝐑𝐒.𝐠𝐨𝐯 𝐬𝐭𝐢𝐥𝐥 𝐦𝐚𝐭𝐭𝐞𝐫𝐬. The app offers selected services. The website still provides broader tax guidance, forms, tools, and online accounts. 🚨 𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐜𝐨𝐧𝐯𝐞𝐧𝐢𝐞𝐧𝐜𝐞 𝐭𝐮𝐫𝐧 𝐢𝐧𝐭𝐨 𝐚 𝐬𝐜𝐚𝐦! 𝐒𝐭𝐚𝐫𝐭 𝐚𝐭 𝐈𝐑𝐒.𝐠𝐨𝐯/𝐚𝐩𝐩 𝐟𝐨𝐫 𝐯𝐞𝐫𝐢𝐟𝐢𝐞𝐝 𝐝𝐨𝐰𝐧𝐥𝐨𝐚𝐝 𝐥𝐢𝐧𝐤𝐬. Avoid look-alike apps and unsolicited messages requesting sensitive information. 𝐇𝐚𝐧𝐝𝐥𝐞 𝐲𝐨𝐮𝐫 𝐭𝐚𝐱𝐞𝐬 𝐰𝐢𝐭𝐡 𝐢𝐧𝐭𝐞𝐧𝐭𝐢𝐨𝐧. 𝐏𝐫𝐨𝐭𝐞𝐜𝐭 𝐲𝐨𝐮𝐫 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐥𝐢𝐤𝐞 𝐲𝐨𝐮 𝐩𝐫𝐨𝐭𝐞𝐜𝐭 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲! 🔐 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧! 𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist.

  6. Sep 29

    🎟️ 𝐘𝐨𝐮𝐫 𝐋𝐨𝐭𝐭𝐞𝐫𝐲 𝐍𝐮𝐦𝐛𝐞𝐫𝐬 𝐀𝐫𝐞𝐧’𝐭 𝐇𝐢𝐭𝐭𝐢𝐧𝐠—𝐁𝐮𝐭 𝐘𝐨𝐮𝐫 𝐏

    You play the midday lottery. Your numbers don’t hit, so you’re back for the evening drawing. One day you play a number from a dream. The next day it’s somebody’s address or a license plate you spotted in traffic. What makes that number the one that’s about to hit? Millions of people had dreams last night. Everybody passes addresses and license plates. But somehow the numbers you saw are bringing the jackpot home? Make it make sense! 🤔 Truth be told, if you’re playing midday and evening, you may be spending more than $30 a day. But let’s be conservative and use $30. That’s $210 a week. Keep it up every day for a year, and you’ve spent $10,950. Nearly $11,000 of your own money chasing a payout. 💸 Now imagine what $11,000 could do in your actual life. It could help pay down debt, build an emergency fund, or get you started investing. It could give you breathing room when a car repair or medical bill shows up. That’s money you can put to work without waiting for your numbers to come in. 📈 Buying an occasional ticket for fun is your choice. But if lottery tickets have become a daily routine, add up what you spend—and compare it with what you’ve won. Don’t guess. Look at the numbers. Then answer this: How many times have you won more than $11,000 in one year playing the lottery? You keep waiting for your numbers to come in while your money keeps going out. The lottery already hit. It hit your pockets. I rest my case. 🎯 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧!  𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist. #TheCarrReport #MoneyCoachDamonCarr #GetAGripOnYourMoney #GrowTheGap #PersonalFinance #Lottery #FinancialLiteracy

  7. Sep 27

    𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐬𝐭𝐚𝐫𝐭𝐬 𝐰𝐢𝐭𝐡 𝐨𝐧𝐞 𝐫𝐮𝐥𝐞: 𝐀𝐂𝐓 𝐘𝐎𝐔

    💰 Spend less than you earn, then give every extra dollar a job. Know what actually hits your account after taxes. Track where it goes. Start with the big three—housing, transportation, and food—because those bills can eat up your paycheck fast. 🏠🚗🍽️ Then check the small stuff: unused subscriptions and impulse buys add up, too. Build toward six months of essential expenses in an emergency fund. Automate your savings, and invest extra money with a plan you understand. 📈 Yes, you can enjoy life. Set aside money for what matters to you 𝐚𝐟𝐭𝐞𝐫 𝐲𝐨𝐮’𝐯𝐞 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 𝐲𝐨𝐮𝐫 𝐩𝐫𝐢𝐨𝐫𝐢𝐭𝐢𝐞𝐬. That’s how you grow the gap between what you earn and what you spend. Discipline gives you options. 💪🏾 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧! 𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist. #TheCarrReport #FinancialSecurity #ActYourWage #GrowTheGap #MoneyCoach

  8. Sep 26

    🚗 𝐓𝐡𝐚𝐭 𝐜𝐡𝐞𝐚𝐩 𝐫𝐨𝐚𝐝𝐬𝐢𝐝𝐞 𝐚𝐝𝐝-𝐨𝐧 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝐢𝐧𝐬𝐮𝐫𝐞𝐫 𝐢𝐬

    Every tow or jump-start gets logged as a **claim** on your **C.L.U.E. report**, where it sits for **7 years**. 📊 One call won't kill you — but two or three and the algorithm flags you as **high risk**, triggering **premium spikes** or even **cancellation**. 💸 The fix? Keep roadside **off** your policy. Use **AAA** or a standalone motor club instead — same help, zero paper trail. 🛡️ 𝐓𝐡𝐞 𝐂𝐚𝐫𝐫 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐁𝐚𝐧𝐤 𝐎𝐧! 𝐍𝐞𝐞𝐝 𝐚 𝐌𝐨𝐧𝐞𝐲 𝐂𝐨𝐚𝐜𝐡 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐆𝐞𝐭 𝐀 𝐆𝐫𝐢𝐩 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐌𝐨𝐧𝐞𝐲? 𝐇𝐢𝐭 𝐦𝐞 𝐮𝐩! ✍🏾 Damon Carr, Financial Planner, Money Coach, Tax Pro & Real Talk Specialist. #MoneyCoach #DamonCarr #CarInsurance #RoadsideAssistance #PersonalFinance #InsuranceTips #SaveMoney #FinancialLiteracy #RealTalk #GetAGripOnYourMoney

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About

Financial Planner, Money Coach, Tax Pro Personal Finance Journalist Damon Carr Helps Everyday People Get A Grip On Their Money. In this Podcast Damon will delve into articles he’s written in his Personal Finance Column “The Carr Report” and “Ask Damon” E-Newsletter and he’ll discuss Trending Topics in the news about money

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