Life Kit Money tips no one taught you
30 snips
Feb 3, 2026 
Amanda Holden, financial educator and founder of Invested Development, offers clear investing and fee-savvy guidance. She discusses low-cost fund choices and how fees chip away at returns. She explains Roth vs traditional retirement tax mechanics. Short, practical takes on borrowing limits, capturing carry on low-rate debt, and the perks of HSAs.
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Borrow Slowly And Set Limits
- Shop loan options and set personal borrowing limits before taking money.
- Avoid borrowing the full amount offered if you don't need it because you must pay interest back.
Capture The Carry On Low-Rate Debt
- Capture the carry by borrowing at low rates and investing where returns exceed your debt cost.
- Professional investors call this a carry trade and you can use it with low-interest loans like some student debt.
Watch Expense Ratios Closely
- Check expense ratios on funds before investing and prefer low-cost passive funds.
- Small percentage fees compound and can eat a large piece of your returns over time.
