America Saves Week

Not sure what to think about the latest trending financial news? Just ask founder and CPA Howard Dvorkin!

Where you get your financial advice matters! Asking your favorite search engine works for many things, but search results aren’t exactly the best place for qualified advice. When it comes to finance, relying on anecdotal situations and personal money tips can be a recipe for disaster.

That’s why created Dvorkin on Debt. Each week, our founder Howard Dvorkin focuses on a trending financial topic and offers his advice. He explains how to avoid common money traps, get out of debt, achieve financial stability and built better credit. It’s practical financial advice about today’s hottest financial topics that you can trust because it comes from a certified expert.

And remember, if you have a specific question that you’d like answered, Howard also answers weekly Ask the Expert questions. Just ask your question, give us some juicy details to provide some backstory and Howard could answer your question next!

This dancing couple shows a frugal wedding can still be great

Why Your Marriage Will Last Longer The Less You Spend On The Wedding

December 11, 2017 | Howard Dvorkin, CPA

Spending wisely on a wedding doesn’t make you an unromantic frugality robot.

Our scholarship winner has a student loan plan’s Latest Scholarship Winner Is Scared Of Student Loans

December 4, 2017 | Howard Dvorkin, CPA

That’s why she applies for 10 scholarships a week.

recession chart

More Bad News For Recession 2018

November 27, 2017 | Howard Dvorkin, CPA

The economy is humming along, but one stat really worries me.

Loose change in an open book is sprouting a small plant

Where Is The Outrage About Financial Literacy?

November 20, 2017 | Howard Dvorkin, CPA

We’re still not teaching our children what they need to know about money.

Numbers and Percentages

Dvorkin On Debt: What Do These Numbers Mean?

November 13, 2017 | Howard Dvorkin, CPA has a Friday feature called By The Numbers. It’s compiled by our editors and consists of four randomly weird facts they’ve stumbled across each week while researching the finance-related information we post every day. The feature has become quite popular on social media, so today I’ll pay homage with a much less strange set of […]

recession chart

What The “Next Recession” Experts Are Missing

November 6, 2017 | Howard Dvorkin, CPA

It’s so obvious, why aren’t they mentioning it?

Americans And Their Money

3 Discouraging (And 2 Encouraging) Facts About Americans And Their Money

October 30, 2017 | Howard Dvorkin, CPA

Americans’ status with their finances? It’s complicated.

A stack of $100 bills is why you need to read about these money facts

3 Revealing Money Facts You Probably Haven’t Heard About

October 16, 2017 | Howard Dvorkin, CPA

Recent research is both encouraging and depressing, but sadly more of the latter.

Money Tree in a Storm.

Who Exactly Will Survive The Next Recession?

October 9, 2017 | Howard Dvorkin, CPA

It may depend somewhat on where you live, but it DEFINITELY depends on what you’re doing right now. Scholarship Winner: Going To College While Teaching School

October 2, 2017 | Howard Dvorkin, CPA

A Pennsylvania woman needs new scholarships to pay off old student loans.

An ICMARC bus explains retirement benefits to employees

Why 3 Obscure Polls Are Good News About America’s Debt

September 25, 2017 | Howard Dvorkin, CPA

No one is talking about them, but they should. So I will.

The Equifax hack was not difficult to pull off

Will The Equifax Breach Be the Beginning Of Something Wonderful?

September 18, 2017 | Howard Dvorkin, CPA

American businesses and citizens haven’t taken identity theft seriously. They might from now on.

A teenage driver behind the wheel could hurt your car insurance

Car Insurance for Your Teen Will Drive You Crazy

September 11, 2017 | Howard Dvorkin, CPA

They’ll also (literally) drive you into the poor house.

The Equifax logo

What Equifax’s Data Breach Means to You

September 8, 2017 | Howard Dvorkin, CPA

Something complicated happened Thursday, and it sounds bad. Actually, it’s worse than that.

Reducing Student Loan Debt

Are Student Loans Going To Cause The Next Recession?

September 4, 2017 | Howard Dvorkin, CPA

With more than $1.3 trillion in student loan debt in this country, it’s long been a mantra that “student loans are too big to fail.” However, they might now be too big to succeed. In July, Citi released a 166-page report innocuously titled, Education: Back to Basics. Buried on page 81 was this hand grenade… […]

Howard Dvorkin’s next recession prediction starts with an auto loan bubble, but it originates from used car lots.

One More Reason Why I Still Fear An Auto-matic Recession

August 21, 2017 | Howard Dvorkin, CPA

It has to do with cars, but not really auto loans.

Woman depressed in the summer

The Most Depressing Statistic of the Summer

August 14, 2017 | Howard Dvorkin, CPA

Trust me, you’ll never guess what it is.

Partisan issues should not affect small business owners

Small Business Isn’t A Partisan Issue

August 7, 2017 | Howard Dvorkin, CPA

Here’s proof that small business has no political party ties.

Debt buyers are quietly trading America's past-due debt

Americans Are Buried in Debt, But What About the Rest of the World?

July 31, 2017 | Howard Dvorkin, CPA

Sadly, we’re No. 1 in one of the categories we don’t want to be.

Facts about money management illustration shows man thinking about saving money

3 Profitable Facts About Your Workplace

July 24, 2017 | Howard Dvorkin, CPA

Learn how to make more money from these new studies.

Victims are interested in learning exactly how do people steal identities

You’re More Likely To be A Victim Of This Crime If You Have Less To Steal

July 17, 2017 | Howard Dvorkin, CPA

If you’re deeply in debt and have no money for anyone to steal, you’re wrong.

When you add it up, rewards mean nothing if you don’t eliminate credit card debt quickly.

Make Money By Being Disloyal — To Your Credit Card

July 10, 2017 | Howard Dvorkin, CPA

Your loyalty program isn’t saving you money, and it’s your fault.

John Pawloski

This Scholarship Winner Is No Joke

July 3, 2017 | Howard Dvorkin, CPA

John Pawloski is making a career change you’ll never believe. debt news illustration by Ivan Benavides: Female student walks towards hole as businessman considers housing market

Debt News You Probably Haven’t Heard — But Should

June 26, 2017 | Howard Dvorkin, CPA

This week: clueless about student loans, passionless about work, passionate about boycotts.

Stained glass window of Moses carrying the 10 Commandments. Which Commandment can predict your debt?

How One Of the 10 Commandments Can Predict Your Debt

June 19, 2017 | Howard Dvorkin, CPA

If you break this Commandment, you’re probably broke.

student loan debt collection

How The Government Adds To Student Loan Debt When It Tries To Lower It

June 12, 2017 | Howard Dvorkin, CPA

What happens when an obscure lawsuit sways a federal judge? Chaos.

Homeowners insurance rates by credit

Here’s How To Lower Your Homeowners Insurance By Two-Thirds [map]

June 5, 2017 | Howard Dvorkin, CPA

It’s not as simple as it sounds, but also not as hard as it looks: Raise your credit score.

why a college degree is more valuable

What You Can Learn About Money From A Commencement Speech

May 29, 2017 | Howard Dvorkin, CPA

Here are six lessons not only for new grads, but for everyone.

debt tech robot

Can “Debt Tech” Robots Keep You From Going Broke?

May 22, 2017 | Howard Dvorkin, CPA

With self-driving cars already taking to the road, is it so far-fetched to think robots can keep you out of debt?

financial graph on technology abstract background represent financial crisis,financial meltdown

Good And Bad News About Recession 2018

May 15, 2017 | Howard Dvorkin, CPA

The economic recovery is literally one step forward, one step back.

Portrait for scholarship winner Caitlyn Remick

How To Win A Scholarship: Apply 63 Times

May 1, 2017 | Howard Dvorkin, CPA

Caitlyn Remick knows how to dress up — and save up.

America Saves Week

Who Cares About Financial Literacy Month?

April 24, 2017 | Howard Dvorkin, CPA

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

satisfied with savings?

The Most Depressing Headline I’ve Seen This Year

April 17, 2017 | Howard Dvorkin, CPA

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

millennials sign up for health insurance

What Happens When Researchers Team Up? This.

April 10, 2017 | Howard Dvorkin, CPA

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

40-hour work week? Try 60

How Working Too Hard Can Drive You Into Debt

April 3, 2017 | Howard Dvorkin, CPA

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

Business credit cards are for everyone

3 Little But Fascinating Financial Facts

March 27, 2017 | Howard Dvorkin, CPA

Here are some recent news nuggets that, taken together, may make a larger point. Illustration by Ivan Benavides: #YourSecondChance Giveaway sweepstakes winner Susan Blackwell

How To Win Money The Right Way

March 6, 2017 | Howard Dvorkin, CPA’s first #MySecondChance winner was selected randomly, but she’s acting deliberately.'s founder and CPA Howard Dvorkin

Paying Double: How Do Twins Afford College?

February 27, 2017 | Howard Dvorkin, CPA

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

millennials in debt

Millennials Give Scary Answers to Silly Questions About Debt

February 20, 2017 | Howard Dvorkin, CPA

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

Get lower credit card interest rates!

Credit Card Debt: When “Typical” Is Horrible

February 13, 2017 | Howard Dvorkin, CPA

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

raise or promotion

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

February 6, 2017 | Howard Dvorkin, CPA

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

Money saving resolutions

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

January 23, 2017 | Howard Dvorkin, CPA

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

Trump inauguration

President Trump’s 2018 Recession

January 16, 2017 | Howard Dvorkin, CPA

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

How I protect myself from identity theft

Dvorkin On Debt: An Insecure 2017 Prediction

January 9, 2017 | Howard Dvorkin, CPA

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

Ronald Pan has a vision that he will graduat debt free without the burden of student loans

Dvorkin On Debt: Pan’s Plan

January 2, 2017 | Howard Dvorkin, CPA

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

Retirement is top concern for many Americans

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

December 26, 2016 | Howard Dvorkin, CPA

Thieves and even family members are increasingly targeting senior citizens.

If the struggle of gender equality for women, some are ashamed to face their finances, as they hold more debt, not savings

Dvorkin On Debt: Correcting Your New Year

December 19, 2016 | Howard Dvorkin, CPA

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

What's too much credit card debt?

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

December 12, 2016 | Howard Dvorkin, CPA

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

who do we waste money with prescriptions apathy?

Dvorkin On Debt: What Happens When We Know Better?

December 5, 2016 | Howard Dvorkin, CPA

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

Identity theft protection

Dvorkin On Debt: ‘Tis The Season For Holiday Stealing

November 21, 2016 | Howard Dvorkin, CPA

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

More about Founder, Howard Dvorkin, CPA

Howard Dvorkin, CPA, is a wealth of financial knowledge. He built a financial empire out of nothing. He started one of the largest credit counseling firms out of an office roughly the size of a closet. He’s helped thousands of people get out of debt. And he’s even written two books:

Credit Hell: How to Dig Out of Debt

This is Howard’s first book, written in 2010 during the recovery after the Great Recession. Howard saw that the crash had left millions of Americans financial vulnerable. Debts from medical bills and credit cards to upside down mortgages had wreaked havoc with consumer credit scores. This book helps you work your way out of debt and achieve the credit you always wanted.

Power Up: Take Charge of Your Financial Destiny

Howard published a follow up to Credit Hell in 2013. This new book focuses on energizing the reader to achieve lasting financial stability. If Credit Hell is a financial cure, Power Up is preventative medicine. It teaches you that with the right financial strategy and mindset, you can maintain a healthy financial life despite what life throws your way.

Our 10 Favorite Quotes from Howard’s Books

  1. Howard explains after the crash how lenders will react to financial reforms… “You see, the banks and other lenders won’t be able to accumulate as much profit as they did before, because the industry will have to be more transparent. So, in the future, they will probably spend an inordinate amount of time and brainpower on discovering new and wildly creative methods, probably devious, to extract more money from their customers.”
  2. Howard’s thoughts on personal clichés… “Phrases like live for today, tomorrow may never come; live every day like it’s your last make great movie lines, but they aren’t realistic. At a primal level, I think we would all like to live every day like it’s out last, but that’s probably not a good idea, at least in the way that many people comprehend those words.”
  3. Where Howard believes that true value exists… “Place value in the people around you and yourself, because when opulence disappears, the only things left are people. The values of a family manifest themselves in the use of teamwork; it’s the job of picking one another up, supporting one another through the good times and the bad.”
  4. Howard explains the grift of cash-back credit cards… “It’s brilliant. Spend a bunch of money that you probably don’t have and we’ll give a small fraction of that money back. It’s a deal that you can’t afford not to take – even if you can’t afford it.”
  5. On the concept of giving credit cards to teens… “For the record, I am not a fan of handing out credit cards to children, regardless of their age. Children should be taught the lesson of saving, not spending.”
  6. Howard explains why should educate yourself instead of just relying on the advice of others… “You be the boss. As I’ve said before, you are usually on your own when making choices regarding your money. There will be other professionals who say they are there to guide and assist you, and in all fairness, they could be. But in the end if something goes wrong it will be your money lost, not theirs.
  7. An example of how experts like Howard negotiate… “I let the vendor negotiate against himself to get the price I was comfortable paying. I initially threw out a low price… He lowered his price three times. I never countered any of his price reductions until we got to a price that I felt was reasonable. Then I slammed in another piece of merchandise to finish off the deal in my favor. If I wasn’t comfortable or satisfied with the price, I would have never spent the money. I could have easily walked away from the deal if I chose to.”
  8. Howard’s thoughts on how friends can help with finances… “Friends can help you regain your financial independence, not by lending you money but by offering support and understanding as you discover your financial power.”
  9. Howard compares the feeling of making purchases in cash versus credit… “If you paid cash for everything then you would understand and appreciate the value of money. Think about what it would take to save $1,000 for an item you really want. A lot of time and effort would be invested before you could finally purchase it. The purchase would feel like an accomplishment. It doesn’t feel that way with a credit card. You don’t achieve a sense of satisfaction; there is no triumph. There is the instant gratification and then the feeling of sheer doom when you receive the credit card bill.”
  10. Wisdom from Howard on what to do if you fall behind on loan payments… “As I’ve stated before, educate yourself; be a smart consumer… Talk to your lender and try, even if you are fed up, to be respectful. Losing your temper won’t help; bad behavior usually begets bad behavior, and it’s better to keep on the good side of your lender while you are struggling through this calamity.”