About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, FinCon CEO, and husband and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.

Opting for Student Loans? Here’s How to Make the Most of the Transaction

These days, student loans are getting a bad rap. Collectively this is probably justified given the job market, high volume of students borrowing and rising costs. But for the well-informed, a federally subsidized student loan for a solid degree can be a huge win. If you or your kids will be taking on student loans, […]

Republic Wireless Review: It’s Time to Leave AT&T and the iPhone Behind

I left my big name cell phone service provider back in 2014 and haven’t looked back since. I was tired of paying so much for cell phone service! I thought there had to be a better way. What stopped me from making a change initially was the iPhone. I just didn’t think I could leave it. […]

Who Can Join USAA and What Services Do They Offer?

Membership with USAA has its perks.  As one of America’s best and most trusted banks, USAA offers excellent customer service, a laundry list of competitive banking products, and cutting edge banking technology to members of the military and their families. Taking care of military families has always been USAA’s primary concern, which is why civilians […]

5 Legit Paid Survey Sites to Make Some Extra Money

You have probably seen the advertisements for paid survey sites in various corners of the Internet. These ads make pretty big promises: Get paid to take surveys! Earn big money in your spare time! No money to join! It’s easy to have a cynical reaction to such promises. There are a lot of scams out […]

Betterment Review 2016: We’re [Still] All Investors Now

Update: This comprehensive review now includes the latest on the revolutionary personal investing service, Betterment. Betterment is investing for the masses. If online brokers like E*Trade were a revolution for the do-it-yourself investor, then Betterment is part two of that revolution.  Their goal: get even more people to invest their money (vs parking it in […]

How Just Talking About Money Can Raise Your Financial Health Score

We’re just not that financially healthy as a Country. 57% of us Americans are struggling financially. Many of us are struggling with debt or poor savings, and living paycheck to paycheck. What if I told you there’s a way out for us all? I had a beer with a new friend yesterday. He asked me […]

How to Save 20% of Your Income Consistently Each Year in Your 30s

Today I want to show you how over the ten years of our marriage (my 30th through my 39th year) we’ve saved an average of 20% of our pre-tax income towards retirement. In our worst year, we saved 10%, and in our best, nearly 40%! Not bad, right? 20% just happens to be one of […]

Choose Your Retirement: Find the Right Path to Your New Adventure (Book Review)

Ready to get excited about the topic of retirement again? Today I have the pleasure of reviewing Choose Your Retirement: Find the Right Path to Your New Adventure by Emily Guy Birken. You know Emily as my friend and long-time contributor here. Read Emily’s articles. This is the second book from Emily. Her first, The […]

Our Amazing [and Almost Free] Trip to Disneyland

Have you been to Disneyland (aka The Happiest Place on Earth)? Most families dream of one day taking their kids to one of Disney’s theme parks. If that’s you, you’re in luck. In this article, I’ll share the details of our recent trip to Disneyland and how you and your family can afford a fun […]

Here’s the Annual Tax Calendar and the Last Day to File Taxes This Year

No big surprises this year. The last day to file taxes in 2016, for the 2015 tax year, is April 18, 2016. This is a few days later than the normal mid-April date since Washington, D.C., will celebrate Emancipation Day on the 15th. In the past it’s also been pushed back because of the way […]

How to Find Time to Make Extra Money

If part of your strategy to improve your finances includes bringing in some extra money, then you’ve surely asked yourself, “when am I going to find time to do this?” Our lives aren’t getting any easier. We have our regular jobs, our families, our friends, and not to mention all that social network time we […]

Why You Need to Start Building an Emergency Fund Now

I write a lot about the emergency fund (i.e. rainy day fund) on PT Money. It just occurred to me that I hadn’t actually written a post on starting one. I did detail how we put our savings in a high-interest savings account. However, that post could easily be titled “open up your emergency fund […]