Welcome to the Ray Cole Financial Blog!
Hey there, I’m Ray Cole! Whether you’re starting with $100 or managing a $1 million portfolio, my blog is here to help you master your money. Dive into practical tips on budgeting, investing, retirement planning, and more—plus free calculators and premium guides to level up your financial game. Let’s build your financial future together!
The Best Free Financial Tools to Manage Your Money in 2025
Get the best free financial tools for 2025! From budgeting with Mint to tracking investments with Personal Capital, Ray Cole shares top picks to manage your money—whether you’ve got $100 or $1M.
How to Create a Budget That Works for Any Income
Struggling to manage your money, whether it’s $100 or $1 million? In this post, I’ll walk you through the 50/30/20 budgeting rule—a simple, flexible method that works for any income. Learn how to categorize your expenses, set realistic targets, and take control of your finances with practical steps and real-life examples. Plus, grab my free budgeting worksheet to get started today! Let’s make budgeting easy and stress-free, no matter where you’re starting from.