Moneyables is an independent personal finance website that helps everyday people make smarter money decisions — from building a budget and an emergency fund to paying off debt, investing, and planning for retirement.
Founder & Editor
Meet Erik Henson
Erik is the founder and editor of Moneyables. Like a lot of people, he came to personal finance later than he’d like to admit — and then went all in.
Today he uses Moneyables to share what he’s learned, so you can build better money habits sooner, plan for a retirement you can count on, and avoid the mistakes that quietly cost people the most.
Starting late, then going deep
For years, money wasn’t something Erik thought much about. Retirement felt a long way off, budgeting sounded restrictive, and investing seemed like something for other people.
When he finally took a hard look at his finances, one thing stood out: he had waited longer than he should have — and with money, time is the one thing you can’t get back.
Instead of getting discouraged, Erik got curious. He read everything he could find — classic personal finance books, IRS and Social Security guidance, and research on saving, investing, and retirement — and started applying the lessons to his own finances, one step at a time.
Along the way, he noticed a pattern. Most money advice was either too complicated to act on or too generic to be useful. Moneyables grew out of that frustration: it’s the resource Erik wishes he’d had when he started.
Starting late, too? You’re in the right place. It’s never too late to take control of your money — and the best day to start is today.
Why Moneyables is different
Personal finance advice is everywhere, but much of it is confusing, packed with jargon, or written mainly to sell you something. Moneyables is different: a place where you can get clear, honest explanations of how money works, plus practical steps you can take today — whatever your income or starting point.
We believe good financial decisions come from understanding, not pressure. So we focus on the fundamentals, show the trade-offs, and help you choose what fits your own life.
What you’ll learn here
Our guides are organized around the money decisions that matter most:
- Personal Finance — Banking, taxes, insurance and the everyday habits that hold your finances together.
- Saving Money — Build an emergency fund, cut everyday costs and grow your savings faster.
- Budgeting — Simple budgeting methods that help you tell every dollar where to go.
- Investing — Beginner-friendly guides to stocks, index funds, ETFs and real estate.
- Banking — Checking and savings accounts, and the bank fees you never have to pay.
- Estate Planning — Wills, beneficiary forms and the papers that keep your family out of chaos.
- Money Mindset — The habits and beliefs that shape what you do with every raise and every bill.
Money mistakes we help you avoid
Some of the most expensive money mistakes are also the most common. Here are a few we’ll help you steer clear of:
- Waiting to start.Erik’s biggest lesson: time is your most powerful money tool. Starting small today beats starting big later.
- Skipping the emergency fund.Without a cash cushion, one surprise bill can turn into high-interest debt.
- Carrying high-interest debt.Credit card interest can quietly cancel out everything you save and invest.
- Letting lifestyle creep eat your raises.Spending tends to rise with income unless you give every raise a job.
- Ignoring fees and taxes.Small percentages compound, too — just in the wrong direction.
- Chasing hot tips.Get-rich-quick schemes and trendy investments rarely beat a simple, steady plan.
- Heading into retirement without a plan.Choices like when to claim Social Security or how to draw down savings are hard to undo.
- Going it alone on big decisions.For complex tax, legal, or investment questions, a qualified professional is worth it.
Life beyond the budget
When he isn’t digging into retirement rules or comparing savings strategies, you’ll usually find Erik on the golf course.
For him, that’s the whole point of managing money well. It isn’t about having the most detailed spreadsheet — it’s about building a life with the time and freedom to enjoy the things you love.
That’s the balance Moneyables aims for, too: practical steps that help your money work harder, so it can support the life you actually want.
Our promise to you
- Clarity. We explain money in plain English and always show you the practical next step.
- Accuracy. We use trustworthy primary sources and check key facts before we publish.
- Independence. Advertisers and partners never decide what we cover or recommend.
- Freshness. We review our guides regularly and update them when rules, limits or rates change.
Learn more about how we work in our Editorial Policy.
How Moneyables makes money
Moneyables is free to read. We are supported by display advertising and, in some cases, affiliate links that may earn us a commission at no extra cost to you. This never changes our editorial judgment. For details, read our Advertising & Affiliate Disclosure.
Important: Our content is for educational purposes only and isn’t personalized financial, investment, tax, or legal advice. Please read our full Disclaimer.
Get in touch
Have a question, feedback, or a topic you’d like us to cover? We’d love to hear from you.