<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
  xmlns:dc="http://purl.org/dc/elements/1.1/"
  xmlns:atom="http://www.w3.org/2005/Atom">
  <channel>
    <title>Samcash — Investing</title>
    <link>https://samcash21.com/investing/</link>
    <description>A deliberately plain approach for households: what to clear first, which accounts come next, and why simplicity beats most alternatives at this stage.</description>
    <language>en-US</language>
    <lastBuildDate>Fri, 04 Sep 2026 03:59:51 GMT</lastBuildDate>
    <atom:link href="https://samcash21.com/investing/feed.xml" rel="self" type="application/rss+xml" />
    <category>Investing</category>
    <item>
      <title>What a fund&apos;s expense ratio is, and how to find yours</title>
      <link>https://samcash21.com/investing/what-a-fund-s-expense-ratio-is-and-how-to-find-yours.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/what-a-fund-s-expense-ratio-is-and-how-to-find-yours.html</guid>
      <description><![CDATA[It never shows up on your statement, but it is taken every year. Here is what the percentage covers, what it costs in dollars, and where the number is disclosed.]]></description>
      <pubDate>Sun, 16 Aug 2026 08:49:38 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/folder-import/18/1822fbce9ca1261ebdff313397d187673755b82d1b6dd9dce0b9c9aeefdc5cf9.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>Invest or pay off debt first? How to decide</title>
      <link>https://samcash21.com/investing/invest-or-pay-off-debt-first.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/invest-or-pay-off-debt-first.html</guid>
      <description><![CDATA[Paying off a 24% card is a guaranteed 24% return; a 4% mortgage usually is not. See the priority order and the mid-band math that decides it.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/1a64f07fc123679f9b10e98e3907c1b71e9732a196e1fef6192ecd57ca86bc76/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>What is a target-date fund, and when should you use one?</title>
      <link>https://samcash21.com/investing/what-a-target-date-fund-is.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/what-a-target-date-fund-is.html</guid>
      <description><![CDATA[A target-date fund holds a full portfolio and de-risks automatically toward its year. See how glide paths work, what they cost, and when to DIY.]]></description>
      <pubDate>Sun, 19 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/8b0892cefc0a1f539b238efd1766963051bd8519e4bd707f12eb6120bd0047c5/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>How to pick an asset allocation you can live with</title>
      <link>https://samcash21.com/investing/how-to-pick-asset-allocation.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/how-to-pick-asset-allocation.html</guid>
      <description><![CDATA[Asset allocation — the stock-bond split — drives most portfolio behavior. Pick it from your timeline and honest loss tolerance, not headlines.]]></description>
      <pubDate>Mon, 22 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/2ec32c64944490789fcdcbe4142fa0368805a99f07c3b66b12582ac03bc9f2dd/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>What is dollar-cost averaging, and does it work?</title>
      <link>https://samcash21.com/investing/dollar-cost-averaging-explained.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/dollar-cost-averaging-explained.html</guid>
      <description><![CDATA[Dollar-cost averaging invests a fixed amount on a schedule — more shares when prices fall. See the worked math and when averaging wins.]]></description>
      <pubDate>Wed, 27 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/5ace7d0345d009d72d628c95a075beeea48b6c5a599925b1a9b4293487b3ca0c/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>How a 401(k) employer match works — and what it costs to skip it</title>
      <link>https://samcash21.com/investing/how-401k-match-works.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/how-401k-match-works.html</guid>
      <description><![CDATA[A 401(k) match contributes 50 cents to a dollar per dollar you defer. See the formulas, vesting rules, and the compounding cost of leaving it unclaimed.]]></description>
      <pubDate>Wed, 29 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/43a1d6efaa62e0a9fc9abb9b6dee9b25c3647ce5545144639370b7b7ef9d8bfb/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>What is a Roth IRA — and who should open one?</title>
      <link>https://samcash21.com/investing/what-a-roth-ira-is.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/what-a-roth-ira-is.html</guid>
      <description><![CDATA[A Roth IRA uses after-tax money for tax-free retirement growth — $7,500 for 2026. See Roth vs. traditional, the five-year rule, and how to open one.]]></description>
      <pubDate>Fri, 03 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/409a0618fd8ae041b47b8908e3752057ed77bd1fd8e12b71ed78423acaa0d3ac/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>ETF vs. mutual fund: what actually differs</title>
      <link>https://samcash21.com/investing/etf-vs-mutual-fund.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/etf-vs-mutual-fund.html</guid>
      <description><![CDATA[ETFs trade all day; mutual funds price once daily. A plain-English comparison of costs, taxes, and which wrapper fits which account.]]></description>
      <pubDate>Sat, 07 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Naomi Bergman</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/d64d3cf060e622f23d40d5727ada818addf94ad9d20aac455b1137d149bf4216/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>What is an index fund, and why beginners start there</title>
      <link>https://samcash21.com/investing/what-an-index-fund-is.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/what-an-index-fund-is.html</guid>
      <description><![CDATA[An index fund buys the whole market in one low-fee purchase. See how indexes work, why fees matter so much, and how to buy your first fund.]]></description>
      <pubDate>Mon, 09 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/b09d8773afd615c240906871d22ce4a12f54ce2d86ca134f2fbe577e65191a63/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>How to start investing with $100</title>
      <link>https://samcash21.com/investing/how-to-start-investing-with-100-dollars.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/how-to-start-investing-with-100-dollars.html</guid>
      <description><![CDATA[Starting to invest with $100 is real: fractional shares, index funds, and automation. See the ten-year math and the steps to begin.]]></description>
      <pubDate>Sun, 11 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/7467b162759b234fe7569727650f73539e546d8d20b52dbda725d922891c591e/1200w.webp" type="image/jpeg" length="0" />
    </item>
    <item>
      <title>The 2026 401(k) contribution limit is $24,500 — who should use it</title>
      <link>https://samcash21.com/investing/401k-contribution-limit-2026-24500.html</link>
      <guid isPermaLink="true">https://samcash21.com/investing/401k-contribution-limit-2026-24500.html</guid>
      <description><![CDATA[The 2026 401(k) limit is $24,500, plus an $8,000 catch-up at 50. See the paycheck math and who should raise deferrals this year.]]></description>
      <pubDate>Mon, 05 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Fatima Al-Rashid</dc:creator>
      <category>Investing</category>
      <enclosure url="https://nyc3.digitaloceanspaces.com/vuga/articles/heroes/f69f8d9cf84488c2aa4cc8dc5eb5a5c87b4a35ee59b55041704e1332a8a088cb/1200w.webp" type="image/jpeg" length="0" />
    </item>
  </channel>
</rss>