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Richard Barrington

Contributing Author

Richard Barrington has over 20 years of experience in the investment management business and has been a financial writer for 15 years. Barrington has appeared on Fox Business News and NPR, and has been quoted by the Wall Street Journal, the New York Times, USA Today, CNBC and many other publications. Prior to beginning his investment career Barrington graduated magna cum laude from St. John Fisher College with a BA in Communications in 1983. In 1991, he earned the Chartered Financial Analyst (CFA) designation from the Association of Investment Management and Research (now the "CFA Institute").

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Furlough, layoff, and termination may sound the same, but the differences are key. Here’s what they mean.

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Financial Emergency
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Building an emergency fund is one of the best decisions you'll ever make for your finances.

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Owe the IRS? These tax debt relief programs could lower your bill or buy you time to pay.

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Here are smart, practical ways to pay off student loans faster, from quick tweaks to federal forgiveness programs.

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Good Debt vs. Bad Debt: How to Tell the Difference

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A mortgage and a credit card balance don't affect your money the same way. Here's the real difference.

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Is debt consolidation a good idea?
Is Debt Consolidation a Good Idea?

August 31, 2026

One loan, one payment: learn when debt consolidation could work in your favor, and when it might not.

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Debt Consolidation
How Does Debt Consolidation Work?

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One new loan could replace several debts and simplify your budget, all in a single monthly payment.

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How Do You Remove a Delinquent Student Loan from Your Credit Reports?
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You can correct at least some kinds of credit report damage from missed student loan payments. Here’s how.

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Nothing beats the feeling of getting rid of credit card debt. Here are six fast ways to do it.

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Does Medical Debt Affect Your Credit Score?
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Medical debt over $500 could go on your credit report. Here’s how to reduce the impact and find debt relief.

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