Articles by Ben Luthi

Ben Luthi is a freelance writer who is passionate about personal finance. He has experience writing about credit cards, consumer credit, debt, insurance, and more. Education: B.S. in Business Management from Brigham Young University.

What is a Zero-Based Budget? Learn about zero-based budgeting and how it helps you save money and also pay down debt. See the step-by-step process to building this budget for your finances. What to Do When You’re Age 40 With No Retirement Savings Photo of Ben Luthi Ben Luthi What to Do When You’re Age 40 With No Retirement Savings The sooner you start saving for retirement, the better. The power of... How to Automate Your Entire Financial Life Photo of Ben Luthi Ben Luthi How to Automate Your Entire Financial Life If managing your money isn’t your idea of fun, automating your finances is one of... Should You Consider a Safe Box For Your Home? Find out whether you should consider buying a safe for your home to protect your non-monetary items that are of great value, including jewelry and documents. Capital One Miles Transfer Program: Which Airlines Partners Offer the Best Travel Rewards? Learn about the miles transfer programs for the Capital One credit cards, especially the Venture card, and find out if the transfer ratio is worth it. U.S. Bank Automated Investor 2024 Review: Best for Your Investment Portfolio? Photo of Ben Luthi Ben Luthi U.S. Bank Automated Investor 2024 Review: Best for Your Investment Portfolio? Whether you’re an investing newbie or you have experience in the market, the process... 5 Biggest Car Sales Days of the Year Photo of Ben Luthi Ben Luthi 5 Biggest Car Sales Days of the Year The best time to buy a car is when you need one. If you wait too long to try to... What Are Credit Card Convenience Fees and How Can You Avoid Them? Learn about credit card convenience fees and when and where you are most likely to encounter them. Find out how you can avoid them. Index Funds vs. ETFs vs. Target-Date Funds: Build a Diversified Investment Portfolio Learn the differences between index funds, exchange-traded funds, and target-date funds before you pick the one that is best for your investment portfolio. Find out how each of them work and match them to how you'd like to invest. Compare their fees, transaction processes, and tax efficiencies. How You're Affected By the Rewards Program Merger of Marriott and Starwood Preferred Guest Photo of Ben Luthi Ben Luthi How You're Affected By the Rewards Program Merger of Marriott and Starwood Preferred Guest On August 18, 2018, Marriott merged three rewards programs into one: Marriott...