Monarch Blog
We're on a mission to make better financial outcomes available to everyone. Read our latest thoughts and insights.
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The CFP® With 60 Clients and a Once-a-Month Money Check-In
Turns out, knowing everything about money is exactly why he keeps it simple.
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March 31, 2026
Financial Spring Cleaning Checklist: 13 Steps to Reset Your Money
A step-by-step financial spring cleaning checklist that walks you through all 13 money reset actions — from auditing subscriptions and stress-testing your emergency fund to updating beneficiaries and resetting your goals plus a focused 60-minute sprint you can do entirely inside Monarch.
March 31, 2026
How to Refinance Your Mortgage in 2026: Rates, Costs, and When It Makes Sense
Refinancing your mortgage can lower your monthly payment, eliminate PMI, or shorten your loan term but only if the math works in your favor. This guide walks you through every step, from calculating your breakeven point to comparing lenders, with unbiased advice from a platform that earns nothing from lenders.
March 28, 2026
How to Pay Off Credit Card Debt: Proven Strategies to Get Debt-Free Faster
Credit card debt can grow quickly due to high interest and minimum payments, but the right strategy can help you eliminate it faster. This guide breaks down proven methods like the avalanche, snowball, and balance transfers plus practical steps to reduce interest, stay on track, and become debt-free.
March 28, 2026
How to Pay Off Debt: A Step-by-Step Plan to Get Debt-Free Faster
This comprehensive guide walks you through how to pay off debt using proven strategies like the snowball and avalanche methods, budgeting, and smart repayment tactics. Learn how to build a personalized payoff plan, reduce interest, and stay motivated on your path to becoming debt-free.
March 26, 2026
Rent vs. Buy in 2026: Pros and Cons and When Buying Makes Sense
Renting is often cheaper month-to-month in 2026, but buying can build more wealth over time if you stay long enough. This guide breaks down the pros and cons, real costs, and the 5–7 year rule to help you decide what makes financial sense for your situation.
March 23, 2026
Estate Planning: A Complete Guide to Wills, Trusts, and Protecting Your Family
Only 31% of Americans have a will — which means most families are one unexpected event away from serious legal and financial chaos. This guide covers the six essential estate planning documents, a step-by-step setup process, what it costs, 2026 tax rules, and the common mistakes that cost families thousands.
March 20, 2026
What Is Probate: A Complete Guide to How It Works and How to Avoid It
Most Americans don't realize that dying without a plan can trap their family in a court process lasting up to two years and consuming up to 7% of their estate. Here's a complete, jargon-free guide to probate — what it is, how it works, and how to avoid it.
March 20, 2026
Investment Vehicles: Definition, Types, and How to Choose the Right One
Not sure where to invest your money? This guide breaks down the most common investment vehicles and shows you how to choose the right ones based on your goals, timeline, and risk tolerance.
March 13, 2026
The Complete Tax Documents Checklist for 2025 Taxes
Missing even one tax document can delay your refund, trigger errors, or cost you money — so don't wing it. This complete checklist covers every form you need for income, deductions, and credits, with special sections for self-employed filers and married couples filing jointly.
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March 13, 2026
Tax Credits vs. Deductions: Your 2025 Guide to Paying Less
The 2025 tax year brings major changes — bigger standard deductions, a new $6,000 senior bonus, and brand-new OBBBA deductions for tips, overtime, and car loan interest. This complete guide breaks down every credit and deduction available so you don't leave a single dollar on the table.
March 5, 2026
What to Do With Your Tax Refund: 12 Smart Money Moves
Your tax refund isn't extra cash — it's a real opportunity to change your financial future. Follow Monarch's 12-step waterfall method and put every dollar to work, from wiping out debt to building lasting wealth. Your future self will thank you.
March 5, 2026
How to Budget as a Couple and Reach Goals Together
Money conversations can bring you closer, not push you apart. This step-by-step guide shows you how to build a couples budget that fits your life, split expenses in a way that feels fair, and tackle shared goals as a team. Start building wealth together and make every dollar work for your future.