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Howard Dvorkin is a personal finance expert and consumer advocate who has been helping people for more than 20 years.

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A team of 2 firefighter of a German fire brigade after an exhausting training session with protective gear

Can Volunteer Firefighters Get Student Loan Forgiveness?

May 24, 2017

A reader wants to know if you need a real job to get real debt relief.

Be careful when dealing with the IRS

What REALLY Happens If You Don’t Pay Your Taxes?

May 17, 2017

A reader fears for her boyfriend’s future — and her own.

Man sitting in home office, reading letter and felling worried. With one hand holding letter and with other hes forehead

Can The United States Help Me Get Out Of Debt When I’m Abroad?

May 10, 2017

A reader has as much debt as income. He’s out of the country. Can he still get out of debt?

Ask The Expert: How Do I Hide Debt From My Girlfriend Till We Get Married?

May 3, 2017

A reader is looking for a “hack” to avoid telling his girlfriend the truth.

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.

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.

debt management plan

Ask the Expert: Are Debt Management Plans Legit?

April 12, 2017

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

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?

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?

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.

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.

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.

Credit card debt

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.

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.

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.

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.

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?

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.

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.