3Nickels

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3Nickels Welcome to 3Nickels, the financial advisor in your pocket.

10/16/2026

Most money goals don't stall from lack of effort, they stall because they compete with each other.

Here's a look at 3Nickels Goals: rank a summer trip, emergency fund, retirement, debt payoff, and a new car, then see estimated target dates and monthly steps for each. What goals are you working towards?

10/14/2026

FICO Score Explained 👇

Your FICO score is one way lenders look at how you’ve handled credit over time. It can impact whether you get approved, what interest rate you get, and how expensive borrowing ends up being.

If credit scores have ever felt confusing, you’re not alone. This breaks down what a FICO score is, what affects it, and what it actually means for you. Save this for later and follow 3Nickels for clear, practical money guidance.

10/12/2026

Carrying a credit card balance to build credit is one of the most expensive money myths out there.

Paying on time is the part that actually helps your credit, and a balance you carry just adds interest on top of what you already owe. You can pay in full every month and still build history. Worth knowing the difference.

10/09/2026

Managing your money isn't about tracking every dollar, it's about seeing how your budget and debt fit together.

In 3Nickels, you can view your income, saving, spending, and giving, list your debts, then pick which to focus on and see an estimated payoff date, total interest, and monthly steps toward your highest-rate debt. Small steps add up.

10/07/2026

Vesting sounds complicated, but it doesn’t have to be.

If your employer contributes to your retirement plan, vesting determines when that money is fully yours. Understanding it can help you avoid surprises and make more confident financial decisions.

Watch for a simple breakdown.

10/05/2026

Waiting until you earn more before you start saving is one of the most common money myths, and it quietly costs you years. A small amount going in regularly still builds the habit, and the habit is the part that lasts. Small steps add up, and starting at whatever you can spare beats waiting for a better number.

09/29/2026

There's a quiet math trick behind loan payments most people don't notice: when you send extra to principal, interest compounds against a smaller balance every month after.

Making one extra payment a year, rounding up your monthly amount, or switching to biweekly can all do this. Worth checking your loan terms to see what's allowed.

09/22/2026

Your student loan can be bigger the day you graduate than the day you signed for it. Interest builds while you're still in class, and when repayment starts it gets added to your balance.

From then on, you're paying interest on the bigger number. Paying even a little toward it before that happens keeps it smaller.

09/17/2026

Compound interest is the reason $100 saved grows, and $100 owed grows too.
Same math. Different direction. Here's how it actually plays out, in plain English.
More money terms explained simply at 3Nickels.

09/15/2026

An HSA isn't just for doctor's visits. It's one of the most tax-advantaged accounts around: money goes in pre-tax, can grow tax-free, and comes out tax-free for qualified medical costs.

It rolls over year to year and follows you between jobs. Worth understanding how yours works.

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200 S Virginia Street, Suite 310
Reno, NV
89501

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