{"id":839,"date":"2026-02-26T23:57:07","date_gmt":"2026-02-26T23:57:07","guid":{"rendered":"https:\/\/prettysmartmo1.wpenginepowered.com\/?page_id=839"},"modified":"2026-06-20T19:24:41","modified_gmt":"2026-06-20T19:24:41","slug":"blog","status":"publish","type":"page","link":"https:\/\/prettysmartwithmoney.com\/?page_id=839","title":{"rendered":"Blog"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;No Line&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_content&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#FFFCF6&#8243; full_height=&#8221;yes&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;0&#8243; left_padding_desktop=&#8221;8%&#8221; constrain_group_2=&#8221;yes&#8221; right_padding_desktop=&#8221;8%&#8221; text_color=&#8221;light&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; zindex=&#8221;100&#8243; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;hidden&#8221; advanced_gradient_angle=&#8221;0&#8243; overlay_strength=&#8221;0.8&#8243; gradient_direction=&#8221;radial&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;fade-in&#8221; mobile_disable_bg_image_animation=&#8221;true&#8221; shape_type=&#8221;&#8221; gradient_type=&#8221;default&#8221;][vc_column column_padding=&#8221;padding-13-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color=&#8221;#02AF6800&#8243; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; background_image=&#8221;871&#8243; background_image_type=&#8221;default&#8221; background_image_position=&#8221;right bottom&#8221; background_image_stacking=&#8221;default&#8221; background_image_loading=&#8221;default&#8221; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;static&#8221; advanced_gradient_angle=&#8221;0&#8243; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; gradient_type=&#8221;default&#8221; column_padding_type=&#8221;default&#8221; content_layout=&#8221;flexbox&#8221; flex_layout_desktop=&#8221;row&#8221; flex_justify_content_desktop=&#8221;flex-start&#8221; flex_align_items_desktop=&#8221;flex-start&#8221; flex_align_items_phone=&#8221;&#8221; flex_wrap_desktop=&#8221;nowrap&#8221; flex_reverse_desktop=&#8221;false&#8221;][vc_row_inner column_margin=&#8221;none&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; left_padding_desktop=&#8221;13vw&#8221; constrain_group_2=&#8221;yes&#8221; right_padding_desktop=&#8221;13vw&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; zindex=&#8221;10&#8243; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221; css=&#8221;.vc_custom_1780093261517{background-color: #F24F6EC2 !important;}&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; advanced_gradient_angle=&#8221;0&#8243; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; gradient_type=&#8221;default&#8221;][split_line_heading line_reveal_by_space_text_effect=&#8221;letter-reveal-bottom&#8221; font_style=&#8221;h1&#8243; stagger_animation=&#8221;true&#8221; mobile_disable_animation=&#8221;true&#8221; content_alignment=&#8221;left&#8221; mobile_content_alignment=&#8221;inherit&#8221; animation_type=&#8221;line-reveal-by-space&#8221; link_target=&#8221;_self&#8221; text_content=&#8221;The Financial Advice You Wish You Heard Sooner.&#8221; font_size=&#8221;6vw&#8221; font_line_height=&#8221;1.1&#8243; font_size_tablet=&#8221;10vw&#8221; animation_delay=&#8221;150&#8243; text_direction=&#8221;default&#8221;][\/split_line_heading][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;4%&#8221; bottom_padding=&#8221;8%&#8221; left_padding_phone=&#8221;0&#8243; constrain_group_6=&#8221;yes&#8221; right_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; advanced_gradient_angle=&#8221;0&#8243; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;0px&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; advanced_gradient_angle=&#8221;0&#8243; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; gradient_type=&#8221;default&#8221; column_padding_type=&#8221;default&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bottom_padding=&#8221;1%&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner right_padding_desktop=&#8221;30%&#8221; right_padding_phone=&#8221;5%&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;5px&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;advanced&#8221; gradient_type=&#8221;default&#8221; offset=&#8221;vc_col-xs-8&#8243; content_layout=&#8221;default&#8221;][nectar_responsive_text inherited_font_style=&#8221;default&#8221; font_size_min=&#8221;20&#8243; font_size_max=&#8221;44px&#8221; font_size_desktop=&#8221;2.2vw&#8221; font_line_height=&#8221;1.3&#8243; text_direction=&#8221;default&#8221;]\n<p data-start=\"2125\" data-end=\"2302\">Finances don&#8217;t have to be complicated. Explore easy-to-digest articles packed with smart strategies, real-life guidance, and actionable takeaways.<\/p>\n[\/nectar_responsive_text][\/vc_column_inner][\/vc_row_inner][nectar_post_grid post_type=&#8221;post&#8221; blog_category=&#8221;all&#8221; blog_starting_category=&#8221;all&#8221; order=&#8221;DESC&#8221; orderby=&#8221;date&#8221; flickity_controls=&#8221;touch_total&#8221; flickity_touch_total_style=&#8221;tooltip_text&#8221; flickity_touch_total_blurred_bg=&#8221;yes&#8221; flickity_touch_total_indicator_bg_color=&#8221;rgba(255,255,255,0.25)&#8221; flickity_touch_total_indicator_icon_color=&#8221;#000000&#8243; flickity_overflow=&#8221;visible&#8221; flickity_wrap_around=&#8221;no-wrap&#8221; columns=&#8221;3&#8243; columns_tablet=&#8221;default&#8221; columns_phone=&#8221;default&#8221; desktop_small_cols_flickity=&#8221;3&#8243; tablet_cols_flickity=&#8221;2&#8243; phone_cols_flickity=&#8221;1&#8243; grid_item_spacing=&#8221;15px&#8221; grid_item_height=&#8221;50vh&#8221; 3_col_masonry_layout=&#8221;default&#8221; image_size=&#8221;large&#8221; image_loading=&#8221;lazy-load&#8221; animation=&#8221;none&#8221; animation_stagger=&#8221;90&#8243; animation_easing=&#8221;default&#8221; heading_tag=&#8221;default&#8221; heading_tag_render=&#8221;default&#8221; font_size_min=&#8221;16px&#8221; font_size_max=&#8221;28px&#8221; enable_indicator=&#8221;yes&#8221; mouse_indicator_style=&#8221;default&#8221; mouse_indicator_text=&#8221;read&#8221; mouse_indicator_color=&#8221;rgba(10,10,10,0.24)&#8221; mouse_indicator_text_color=&#8221;#ffffff&#8221; mouse_indicator_blurred_bg=&#8221;yes&#8221; display_categories=&#8221;yes&#8221; category_functionality=&#8221;default&#8221; category_position=&#8221;default&#8221; category_style=&#8221;button&#8221; category_display=&#8221;parent_only&#8221; display_date=&#8221;yes&#8221; display_author=&#8221;yes&#8221; author_functionality=&#8221;default&#8221; author_position=&#8221;default&#8221; additional_meta_size=&#8221;small&#8221; custom_fields_location=&#8221;before_post_meta&#8221; grid_style=&#8221;content_overlaid&#8221; text_content_layout=&#8221;all_bottom_left_shadow&#8221; color_overlay=&#8221;#0a0a0a&#8221; color_overlay_opacity=&#8221;0&#8243; color_overlay_hover_opacity=&#8221;0&#8243; text_color=&#8221;light&#8221; text_color_hover=&#8221;light&#8221; text_opacity=&#8221;1&#8243; text_hover_opacity=&#8221;1&#8243; hover_effect=&#8221;animated_underline_zoom&#8221; border_radius=&#8221;10px&#8221; custom_font_size=&#8221;1.8vw&#8221; posts_per_page=&#8221;5&#8243; display_type=&#8221;carousel&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][nectar_global_section id=&#8221;11&#8243;][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221;&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-839","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Blog - Pretty Smart Money<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/prettysmartwithmoney.com\/?page_id=839\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog - Pretty Smart Money\" \/>\n<meta property=\"og:description\" content=\"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221;...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/prettysmartwithmoney.com\/?page_id=839\" \/>\n<meta property=\"og:site_name\" content=\"Pretty Smart Money\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/jenniferperonardkline\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-20T19:24:41+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/?page_id=839\",\"url\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/?page_id=839\",\"name\":\"Blog - Pretty Smart Money\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/#website\"},\"datePublished\":\"2026-02-26T23:57:07+00:00\",\"dateModified\":\"2026-06-20T19:24:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/?page_id=839#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/prettysmartwithmoney.com\\\/?page_id=839\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/?page_id=839#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/#website\",\"url\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/\",\"name\":\"Pretty Smart Money\",\"description\":\"Real Life Financial Advice\",\"publisher\":{\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/#organization\",\"name\":\"Pretty Smart Money\",\"url\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/PSMpink-transparent.png\",\"contentUrl\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/PSMpink-transparent.png\",\"width\":1000,\"height\":767,\"caption\":\"Pretty Smart Money\"},\"image\":{\"@id\":\"https:\\\/\\\/prettysmartwithmoney.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/jenniferperonardkline\",\"https:\\\/\\\/www.instagram.com\\\/jenlendsflorida\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Blog - Pretty Smart Money","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/prettysmartwithmoney.com\/?page_id=839","og_locale":"en_US","og_type":"article","og_title":"Blog - Pretty Smart Money","og_description":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221;...","og_url":"https:\/\/prettysmartwithmoney.com\/?page_id=839","og_site_name":"Pretty Smart Money","article_publisher":"https:\/\/www.facebook.com\/jenniferperonardkline","article_modified_time":"2026-06-20T19:24:41+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/prettysmartwithmoney.com\/?page_id=839","url":"https:\/\/prettysmartwithmoney.com\/?page_id=839","name":"Blog - Pretty Smart Money","isPartOf":{"@id":"https:\/\/prettysmartwithmoney.com\/#website"},"datePublished":"2026-02-26T23:57:07+00:00","dateModified":"2026-06-20T19:24:41+00:00","breadcrumb":{"@id":"https:\/\/prettysmartwithmoney.com\/?page_id=839#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/prettysmartwithmoney.com\/?page_id=839"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/prettysmartwithmoney.com\/?page_id=839#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/prettysmartwithmoney.com\/"},{"@type":"ListItem","position":2,"name":"Blog"}]},{"@type":"WebSite","@id":"https:\/\/prettysmartwithmoney.com\/#website","url":"https:\/\/prettysmartwithmoney.com\/","name":"Pretty Smart Money","description":"Real Life Financial Advice","publisher":{"@id":"https:\/\/prettysmartwithmoney.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/prettysmartwithmoney.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/prettysmartwithmoney.com\/#organization","name":"Pretty Smart Money","url":"https:\/\/prettysmartwithmoney.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/prettysmartwithmoney.com\/#\/schema\/logo\/image\/","url":"https:\/\/prettysmartwithmoney.com\/wp-content\/uploads\/2026\/02\/PSMpink-transparent.png","contentUrl":"https:\/\/prettysmartwithmoney.com\/wp-content\/uploads\/2026\/02\/PSMpink-transparent.png","width":1000,"height":767,"caption":"Pretty Smart Money"},"image":{"@id":"https:\/\/prettysmartwithmoney.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/jenniferperonardkline","https:\/\/www.instagram.com\/jenlendsflorida\/"]}]}},"featured_image_src":null,"featured_image_src_square":null,"_links":{"self":[{"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=\/wp\/v2\/pages\/839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=839"}],"version-history":[{"count":0,"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=\/wp\/v2\/pages\/839\/revisions"}],"wp:attachment":[{"href":"https:\/\/prettysmartwithmoney.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}