Howard Dvorkin is recognized as a consumer finance expert in the industry. As such, he regularly speaks to major media outlets and news networks about consumer finance. Browse Howard’s latest contributions here to see what Howard has to say about today’s top personal finance news topics. Or, if you’d like to quote Howard in an upcoming piece you’re working on or conduct a full interview, please email [email protected].

10 Simple and Free Budgeting Tools
By: Maryalene LaPonsie
May 19, 2022
|US News and World Report
"The envelope method is a great tool for budgeting because it forces people to take control of their spending with cash in hand," says Howard Dvorkin, CPA and chairman of
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Credit vs. Debit: The Face-Off
By: Beth Braverman
May 12, 2022
While some debit cards offer cash back—including Discover Cash Back Debit, Neon PointCard and Axos Debit Card—the rewards programs on credit cards tend to be far richer. “And with a credit card, you can pick the type of rewards that you want,” says Howard Dvorkin, chairman of—whether cash, travel points or discounts at a favorite retailer.
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How to Prepare for Retirement: A 5 Step Guide
By: Aimee Bohn
May 10, 2022
|Investment U
The CPA and chairman of, Howard Dvorkin, warned of carrying credit card debt into retirement… Right now, [credit card] interest rates are hovering around 20%. That means you’re paying a dollar for every five you borrowed.
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Buy now, pay later apps can lead to vicious debt cycles — here’s what you need to know
By: Art Raymond
May 9, 2022
“People are buying ‘wants’ not ‘needs,’” Howard Dvorkin, CPA and chairperson of, told CNBC.
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Credit Utilization: Understand How It Impacts Your Credit Score
By: Casey Bond
April 22, 2022
|U.S. News & World Report
"Credit utilization makes up such a significant part of your score because if you're maxing out credit cards, lenders may assume that you are living beyond your means, ultimately deeming you as a credit risk," says Howard Dvorkin, a CPA, author, columnist and chairman of personal finance site
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5 Things to Do Now to Protect Your Money During High Inflation
By: Jared Lindzon
April 19, 2022
Having a budget is always the best way to keep costs under control, and in recent years inflation has caused many Americans to take up the practice. According to a survey by, 80% budgeted their expenses in 2021, compared with only 68% in 2019.
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