Nathan Cross

Personal Finance Writer

Nathan Cross is a personal finance writer and certified financial educator based in Denver, Colorado. With eight years of experience covering budgeting, investing, credit building, and debt management, he has helped thousands of readers make smarter money decisions. Nathan reviews every guide against primary sources including IRS publications, SEC filings, and CFPB resources, and updates content quarterly to reflect rate changes and policy shifts. Before writing about finance full-time, he worked as a financial planning associate at a registered investment advisory firm.

Articles by Nathan Cross

Credit and Debt

Can You Negotiate Medical Bills After Insurance?

Yes, you can negotiate medical bills after insurance, and most hospitals expect you to. Start by requesting an…

Sep 29, 2026

Investing

Dollar Cost Averaging vs. Lump Sum: Which Strategy Wins?

Lump sum investing beats dollar cost averaging about two-thirds of the time because markets trend upward and money…

Sep 25, 2026

Budgeting

How to Budget When You Have ADHD: Tools and Strategies

Traditional budgeting fails most people with ADHD because it demands consistent tracking, a task that clashes with executive…

Sep 22, 2026

Saving

How Much Emergency Fund Is Enough by Age and Income

The standard three-to-six-months rule for emergency funds is a rough starting point, not a real answer. The right…

Sep 18, 2026

Credit and Debt

How to Pay Off Debt Fast With Low Income

Paying off debt on a low income requires a prioritized system, not just motivation. Use the avalanche method…

Sep 15, 2026

Investing

Is a 401(k) Worth It Without an Employer Match?

A 401(k) without an employer match is still worth it for most workers earning above the 22 percent…

Sep 11, 2026

Budgeting

How to Budget When Your Income Varies Every Month

Budgeting on irregular income works when you build a baseline budget around your lowest realistic month, keep a…

Sep 8, 2026

Taxes and Insurance

How to File Taxes as a Freelancer for the First Time

Filing taxes as a freelancer requires Schedule C for business income, Schedule SE for the 15.3% self-employment tax,…

Sep 1, 2026

Taxes and Insurance

HSA vs. FSA: Which Tax-Advantaged Health Account to Pick

Choose an HSA if you have a high-deductible health plan and want to invest for long-term medical costs.…

Sep 1, 2026

Saving

How Much Should You Save Each Month by Age and Income?

The right savings target depends on your age, income, and whether you carry debt. A 25-year-old earning $50,000…

Sep 1, 2026