Howard Dvorkin, CPA

Howard Dvorkin

I’m a certified public accountant who has authored two books on getting out of debt, Credit Hell and Power Up, and founded Consolidated Credit, an organization that has helped more than 5 million people climb out of credit card debt. Everyone should have a reason for living that’s bigger than themselves, and besides my family, mine is this: Teaching Americans how to live happily within their means. To me, money is not the root of all evil. Poor money management is. Money cannot buy happiness, but going into debt always buys misery. That’s why I launched I’m glad you’re here.

why a college degree is more valuable

Ask The Expert: Should We NOT Send Our Son To College?

April 26, 2017

A reader and his wife are arguing about college for their son.

America Saves Week

Who Cares About Financial Literacy Month?

April 24, 2017

It’s just another manufactured holiday. It doesn’t matter. Right?

How Do We Save For Retirement And Pay All Our Bills?

April 19, 2017

A reader wants to know how to survive “the sandwich” — without evicting his mother-in-law.

satisfied with savings?

The Most Depressing Headline I’ve Seen This Year

April 17, 2017

You’ll never guess what it is, because you probably haven’t heard about it yet.

debt management plan

Ask the Expert: Are Debt Management Plans Legit?

April 12, 2017

A reader wonders if the letters DMP are A-OK.

millennials sign up for health insurance

What Happens When Researchers Team Up? This.

April 10, 2017

Turns out you can learn a lot more when you join forces. Here are some surprising results of this new trend.

medical identity theft

Ask the Expert: How Sick Is This Form Of Identity Theft?

April 5, 2017

A reader thinks his identity was stolen from an urgent care center. Now what?

Howard Dvorkin on debt

It’s Financial Literacy Month. Give Yourself Some Credit! [VIDEO]

April 4, 2017

This month, answers all your questions – in under a minute.

40-hour work week? Try 60

How Working Too Hard Can Drive You Into Debt

April 3, 2017

You’ve heard the term, “work smarter, not harder”? Try “work less, save more.”

Ask the Expert: Jump On The Trump Train?

March 29, 2017

This week: A reader wants to dive into the stock market and clean up. But is he making a mess?

Business credit cards are for everyone

3 Little But Fascinating Financial Facts

March 27, 2017

Here are some recent news nuggets that, taken together, may make a larger point.

too many credit cards

How Many Credit Cards Is Too Many?

March 22, 2017

A reader’s husband doesn’t use half his cards. Should he keep them for emergencies or get rid of them?

3 New Polls that Depress Me about Americans and Money

March 20, 2017

How can the greatest country on Earth not be so great with its money?

social media searches can hurt

Ask the Expert: Can I Ask a Personal Question?

March 15, 2017

A reader wants to know how Howard hires.

Does Big Business Have a Big Problem With Identity Theft?

March 13, 2017

This is shaping up to be a bad year for data breaches, but does anyone care?

Ask The Expert: What’s The Least Bad Answer?

March 8, 2017

A husband and wife have competing plans for getting out of debt. Alas, both are terrible.

How To Win Money The Right Way

March 6, 2017’s first #MySecondChance winner was selected randomly, but she’s acting deliberately.

should I save or invest

Ask Howard: Is It Better to Save or Invest?

March 1, 2017

A reader who just got out of a decade’s worth of debt wants to know what to do with her sudden surplus.

vacation of the future

Paying Double: How Do Twins Afford College?

February 27, 2017

Nadia Garcia is the’s 10th scholarship recipient, and the first twin to win.

gift cards

Ask The Expert: Are Gift Cards Tacky Wedding Presents?

February 22, 2017

A reader is upset her boyfriend only gives gift cards as presents. Here’s a compromise.

millennials in debt

Millennials Give Scary Answers to Silly Questions About Debt

February 20, 2017

The generation that will soon take over the world has yet to conquer its own financial woes.

preowned car

What’s The Difference Between “Used” And “Pre-Owned”?

February 15, 2017

This week: A couple isn’t sure how to replace their two broken-down cars.

Get lower credit card interest rates!

Credit Card Debt: When “Typical” Is Horrible

February 13, 2017

Here’s a new statistic that should strike fear into your family. Here’s what you can do about it.

Couple looking at bills

Why Even Bother with New Year’s Resolutions?

February 8, 2017

This week: The Super Bowl blew up a boyfriend’s promise to pay off debt.

raise or promotion

Dvorkin On Debt: What Matters More, Money Or Power?

February 6, 2017

The answer depends on one factor. Sadly, no one’s talking about it.

credit card refinancing

Ask The Expert: Is This The Dumbest Idea You’ve Ever Heard?

February 1, 2017

This week: How Trump, gold bullion, and credit cards don’t mix.

Identity theft protection

Ask The Expert: Is This A Legit Reason Not To Get Married?

January 25, 2017

A reader is angry at his Internet-unsafe fiancee.

Money saving resolutions

The Most Important New Year’s Resolution To Keep [video]

January 23, 2017

You need to create a budget — although believe it or not, that’s a controversial statement.

Wedding budget of $5,000

Ask The Expert: Declare Bankruptcy Before Or After My Wedding? [video]

January 18, 2017

This week: A couple wants a clean slate, but are they mucking up their nuptials?

Trump inauguration

President Trump’s 2018 Recession

January 16, 2017

It’s coming, but it’s not really his fault.

A mortgage is good debt. Credit cards can be, too, if used properly.

Ask The Expert: How Do I Tell My Fiancee? [video]

January 11, 2017

This week: A man has a dirty little secret he’s keeping from the love of his life.

How I protect myself from identity theft

Dvorkin On Debt: An Insecure 2017 Prediction

January 9, 2017

I sadly predict massive computer hacking on a scale not seen in years past.

vacation of the future

Ask The Expert: How Do I Know You’re For Real? [video]

January 4, 2017

A reader is skeptical of financial experts — and he has a point.

Dvorkin On Debt: Pan’s Plan

January 2, 2017

Ronald Pan is the latest scholarship winner, for three big reasons.

save for retirement before college

Ask The Expert: Do I NEED To Go To College? [video]

December 28, 2016

A young reader wants to know his financial options after high school.

Retirement is top concern for many Americans

Dvorkin On Debt: “Elder Financial Abuse” Is Real – And Growing

December 26, 2016

Thieves and even family members are increasingly targeting senior citizens.

Dvorkin On Debt: Correcting Your New Year [video]

December 19, 2016

Don’t go into 2017 making financial mistakes. Give yourself the gift of financial freedom.

Ask The Expert: Is It Too Late To Save On Holiday Shopping? [video]

December 14, 2016

A reader has skipped Black Friday and Cyber Monday — and every other shopping day so far.

What's too much credit card debt?

Dvorkin On Debt: Not A Holiday For Me [video]

December 12, 2016

I love the November and December, but I fear January.

Shopping after Christmas

Ask The Expert: How Can I Get My Boyfriend In The Holiday Spirit?

December 7, 2016

A reader is appalled at the way her boyfriend and his family celebrate the holidays

who do we waste money with prescriptions apathy?

Dvorkin On Debt: What Happens When We Know Better?

December 5, 2016

Three new polls prove we know what to do about money, but we just refuse to do it.

Get credit card points that matter to you

Ask The Expert: Are Credit Cards Rigged?

November 30, 2016

A reader is suspicious of all these “reward programs.” How can they possibly be legit? $1,000 giveaway

Dvorkin On Debt: Want $1,000?

November 28, 2016

It doesn’t matter how you got into debt. Let’s get you out.

Wedding budget of $5,000

Ask The Expert: Should I Sign A Pre-Nup? Or Make Him Sign One, Too?

November 23, 2016

A reader is offended by her fiance, but she’s got an amusing plan to even the odds.

Identity theft protection

Dvorkin On Debt: Tis The Season For Holiday Stealing

November 21, 2016

While this is the time to give, many others are trying to take away.

Ryan Lochte Swimming

Dvorkin On Debt: What You Can Learn From Ryan Lochte’s First Credit Card

November 14, 2016

The swimmer, dancer, and spokesman just got a credit card. Here’s why that matters.

How to get IRS tax debt help

Ask The Expert: Is This IRS Letter Legit Or A Scam? [video]

November 9, 2016

A reader is both scared and suspicious after receiving an email.

The Hardest-Working Woman In Scholarships

November 7, 2016

Abby Marion never gives up, so we gave in. She’s the ninth scholarship winner.

unflattering stats

Ask The Expert: Are Those Radio Ads About Taxes Legit?

November 2, 2016

A reader keeps hearing commercials about “settling back taxes.”

Dvorkin On Debt: Who I’m Endorsing

October 31, 2016

It’s not a candidate. It’s an attitude.