Howard Dvorkin leading a team meeting in a modern office, standing at the head of a conference table while colleagues listen and engage, with the Debt.com website visible on a screen behind him.

My Columns

Learn the real deal when it comes to today’s top financial news from a certified personal finance expert.

Why Financial Literacy Month Still Isn’t Working

By: Howard Dvorkin | Source: Kiplinger Advisor Collective

Awareness has its limitations. The problem with awareness days, weeks and years is that they seldom reach the people who really need them. Many of those who pay attention have already realized they need help.

Poll: Renters Want to Buy a Home for the Wrong Reasons

By: Howard Dvorkin

A recent survey shows renters want to buy to “customize their home.” As a CPA I have a problem with thinking about money that way.

Back-to-School Shopping Will Soon Become a National Crisis

By: Howard Dvorkin

A recent survey of 1,000 U.S. adults shows more a third of parents are planning to go into debt for back-to-school supplies.

What The Pandemic Taught Companies About Leadership

By: Howard Dvorkin | Source: Forbes

Nothing terrifies an entrepreneur more than doing everything right and still seeing things go wrong. I thought I’d been through all the possible challenges of entrepreneurship, and I believed those battles have forged my character.

Financial Wellness Is Now a Requirement, Not a Perk

By: Howard Dvorkin | Source: Entrepreneur

One of the most stressful aspects of being an entrepreneur is knowing exactly what you need to do, but lacking the time and money to do it when it’s needed. And sadly, it doesn’t get any better as your business grows bigger.

Pandemic and Credit: Why the X1Credit Card Is Both Cynical and Practical

By: Howard Dvorkin

Who launches a new credit card during COVID-19? Very smart entrepreneurs, that’s who.

How to raise your credit score during a pandemic – while being a couch potato

By: Howard Dvorkin

Experian Boost, a free year-old service that’s helped millions of Americans improve their credit scores, recently announced that its members can add video streaming payment history to their Experian credit reports.

How your pandemic finances are just like science fiction – and a horror movie

By: Howard Dvorkin

If you’ve ever heard the term “debt cancellation,” it might sound like a great idea. Simply cancel the debts many Americans owe, and we can get this country moving again. Problem is, canceling debt doesn’t actually make it go away.

You Can’t Cancel Debt — You Can Only Move It Around

By: Howard Dvorkin | Source: Forbes

I’m a CPA and personal debt specialist, not a lawyer, so I don’t want to discuss the legal issues. I want to talk about the practical and personal implications of debt cancellation — a noble yet dangerous concept.

The Real Villain In The HEROES Act

By: Howard Dvorkin | Source: Forbes

Congress loves its acronyms, so the follow-up to the CARES Act, which stood for “Coronavirus Aid, Relief, and Economic Security,” is the HEROES Act. That’s short for “Health and Economic Recovery Omnibus Emergency Solutions.” To me, they’re both abbreviations for trouble.

Don’t Listen When Your Customers Say They’re Reining in Spending

By: Howard Dvorkin | Source: Entrepreneur

I don’t build cutting-edge computers. I help people get out of debt. And because I deal with Americans who have spent too much on iPhones and a hundred other consumer products, I have a perspective that Steve Jobs never did.

The Pandemic Is Deadly, But It’s Not Transformative When It Comes To Spending

By: Howard Dvorkin | Source: Forbes

In this awful moment, you might think everything will be different from now on. Sadly, when it comes to consumer spending, it won’t.