Behavioral Finance / Financial Planning / Life / Taxes
by Christopher D. Munchhof · Published July 22, 2023
FedNow is a newly activated instant-payment system developed over the last several years by the U.S. Federal reserve bank. The FedNow system facilitates instant transfers from bank to bank. While the Federal reserve bank...
Behavioral Finance / Financial Planning / Investing
by Christopher D. Munchhof · Published July 12, 2021
A market correction seems inevitable and top experts agree. It’s only a matter of time.
Behavioral Finance / Financial Planning / Investing
by Christopher D. Munchhof · Published August 16, 2019
On Wednesday, for the first time in over ten years, the yields on 2-year Treasury notes surpassed the yields on 10-year Treasury notes. This is unusual because under normal circumstances investors earn a higher...
Behavioral Finance / Financial Planning / Life
by Christopher D. Munchhof · Published July 1, 2019 · Last modified April 6, 2020
We know it’s taboo to talk about money in anything more than generalities. Money is one of those topics that even the best of friends don’t usually get into specifics on. Some people are...
by Christopher D. Munchhof · Published December 7, 2018 · Last modified April 6, 2020
Technology is continuously advancing and naturally, that has dramatically changed the way we make purchases. Credit and debit cards remain the most convenient and popular choices for making payments. Consumers are generally pretty aware...
Behavioral Finance / Healthcare / Life
by Christopher D. Munchhof · Published September 25, 2018 · Last modified April 6, 2020
“I want to be healthy, but it’s just so expensive!” How many times have you heard something like this? Or maybe you’re the one who’s said it. I’m not a health expert or a...
Behavioral Finance / Financial Planning / Investing / Taxes
by Christopher D. Munchhof · Published April 17, 2018 · Last modified April 6, 2020
A recent Survey Monkey poll found that 60% of Americans have now heard of Bitcoin and 21% are considering buying it. These numbers are a big jump from just a few years ago, but...
Behavioral Finance / Financial Planning / Investing
by Christopher D. Munchhof · Published February 9, 2018 · Last modified April 6, 2020
This might have recently popped up in your news feed; the stock market has recently crashed! OK, crash is probably too strong of a word, but no doubt the recent downward movement of stock...
Have you ever been given a raise, received an inheritance, or maybe paid off a major debt? When you found yourself with extra money at your disposal, how did it feel? Probably pretty good....
Behavioral Finance / Financial Planning
by Christopher D. Munchhof · Published December 2, 2017 · Last modified January 6, 2018
I was out to lunch with my wife a few weeks ago and overheard a conversation about credit card rewards. A nice lady was chatting with her friend and explaining how she earned cash-back...
Behavioral Finance / Healthcare / Life
Think it Costs More to Eat Healthy? Here’s Why It’s In Your Head
September 25, 2018
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Christopher D. Munchhof is a California licensed professional investment adviser, life insurance agent, and tax expert. He lives in Santa Clarita, CA with his wife and two children. He is the founder of Free Financial, a financial planning firm designed for clients at the beginning of their financial journey.
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