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Authors
Vishesh Raisinghani
Vishesh Raisinghani

Vishesh Raisinghani

Freelance Writer

Vishesh Raisinghani is a financial journalist covering personal finance, investing and the global economy. He's also the founder of Sharpe Ascension Inc., a content marketing agency focused on investment firms. His work has appeared in Moneywise, Yahoo Finance!, Motley Fool, Seeking Alpha, Mergers & Acquisitions Magazine and Piggybank.

Vishesh Raisinghani is a financial journalist covering personal finance, investing and the global economy. He's also the founder of Sharpe Ascension Inc., a content marketing agency focused on investment firms. His work has appeared in Moneywise, Yahoo Finance!, Motley Fool, Seeking Alpha, Mergers & Acquisitions Magazine and Piggybank. He frequently covers subjects ranging from retirement planning and stock market strategy to private credit and real estate, blending data-driven insights with practical advice for individuals and families. When he isn’t writing, he moderates webinars and panels with industry leaders in private equity and investment banking. Outside of work, he enjoys reading non-fiction, swimming, cycling and cooking Indo-Japanese fusion dishes.

Vishesh Raisinghani's Expertise

Elderly woman in pink T-shirt and glasses with her little grandson riding scooter.

Auto • Nov 14

‘Car poverty’ is secretly preventing Americans from building wealth. Why costs keep rising (and how to fight back)

By Vishesh Raisinghani
Mother and daughter speaking to a local Atlanta news crew about their experience purchasing a vehicle on Facebook Marketplace.

Auto • Sep 20

Atlanta mother, daughter say auto broker sold them Honda truck with 285K miles — 130K higher than advertised

By Vishesh Raisinghani
A group of people talking on a Ford car lot.

Auto • May 07

US car market bankrupting Americans — and it’ll only get worse. How to save thousands if you want to buy a car

By Vishesh Raisinghani
Dave Ramsey and Tucker Carlson

Credit Cards • Jan 24

Ramsey tells Carlson why he's against credit cards

By Vishesh Raisinghani
Shaquille O'Neal's credit card was once declined after an emergency purchase. Tips on how to avoid this inconvenience

Credit Cards • Dec 31

'I know I'm not broke': Shaquille O'Neal's credit card was once declined at Walmart after a big purchase in an emergency. Here’s what happened, and how you can avoid this inconvenience

By Vishesh Raisinghani
TV personality Kevin O'Leary attends the Build series to Discuss "Shark Tank" at Build Studio on February 8, 2017

Credit Cards • Nov 22

Kevin O’Leary: 1 key to raising your credit score

By Vishesh Raisinghani
U.S. Treasury Secretary Scott Bessent speaking in front of an audience.

Employment • Jan 08

Scott Bessent delivers stark message amid massive economic shift, says workers need this skill in 2026 (and beyond)

By Vishesh Raisinghani
As AI reshapes white-collar jobs, Mike Rowe says a declining will to work is the real crisis.

Employment • Dec 01

Mike Rowe says AI isn’t the real threat as a fading ‘will to work’ continues to reshape America's workforce

By Vishesh Raisinghani
Students are opting for trade school over college.

Employment • Oct 25

Mike Rowe says there’s a huge shift in the US job market taking place — how to take advantage of this supertrend now

By Vishesh Raisinghani
House for sale with boarded up windows.

Loans • Dec 08

No one’s talking about a dangerous new US housing trend. Why home equity agreements could trigger disaster for millions

By Vishesh Raisinghani
Older woman standing in front of new car in trail area, holding the keys and smiling.

Loans • Jan 27

US retirees shouldn’t always pay cash for their next car. Here’s why and what to do instead

By Vishesh Raisinghani
Borrowing money to buy an auto is one of the biggest financial traps facing consumers in 2026.

Loans • Jan 19

America’s top wealth killer just got worse. What’s driving it and how to avoid the money trap in 2026

By Vishesh Raisinghani
Young person in cramped apartment.

Real Estate • Feb 25

Full-time workers earning minimum wage in the US can't afford 2-bedroom apartments. Can anyone live off $7.25/hour?

By Vishesh Raisinghani
Before you borrow, consider if this is the best time to buy a home.

Real Estate • Dec 24

Jerome Powell warns US housing is ‘going to be a problem,’ Fed doesn’t have tools to solve structural issues

By Vishesh Raisinghani
Caucasian couple on their mid-50s smiling in front of their home

Real Estate • Sep 17

Want to lower your taxes and save yourself thousands? You only have to do 1 thing: never move. Here’s the math

By Vishesh Raisinghani
Man in a gas mask and protective suits throws bucket of water over fire.

Retirement • 20275 views

Millions of Americans have a ticking time bomb in their tax-deferred accounts — 3 easy ways to start defusing it now

By Vishesh Raisinghani
Older couple sit on the couch, looking upset and away from each other.

Retirement • Aug 24

Downsizing after retirement often makes no sense — are you locking yourself in for a smaller life than you should?

By Vishesh Raisinghani
Couple in colorful clothing pose while hiking outdoors, smiling and with their thumbs up.

Retirement • Aug 09

Savvy investors know exactly when their 401(k) is big enough for them to call it quits — how to know if you're ready

By Vishesh Raisinghani
A couple enjoys a walk on a sunny day.

Taxes • Feb 28

Why you must delete every message, text, email from Social Security — especially during tax season. Protect yourself now

By Vishesh Raisinghani
A happy older couple using a laptop outdoors.

Taxes • Feb 13

How to get the new $6,000 senior bonus deduction this tax season — it's simpler than you think

By Vishesh Raisinghani
Worried middle-aged man reviewing documents in front of a computer.

Taxes • Feb 12

IRS raises flag over 2 popular tax credits that could delay your refund by weeks. Take heed so you don’t worry

By Vishesh Raisinghani
Multigenerational group of diverse people smiling outside.

News • Feb 15

The average income of Americans by age in 2026. Are you keeping up or falling behind?

By Vishesh Raisinghani
Warren Buffett stands at a podium, looking grim with a stark black background behind him.

News • Jun 02

Warren Buffett told CNBC he could end America's deficit crisis 'in five minutes.’ Would his solution still work in 2026?

By Vishesh Raisinghani
Three senior adults smile and raise glasses in a toast on a bright, sunny day.

News • May 31

The average Social Security check is $2,081 — but a simple 3-year delay could bump yours to $3,500/month

By Vishesh Raisinghani
senior Caucasian woman walking on hiking day on outdoor trail on excursion between sea and countryside

Mortgages • Oct 09

Should you pay off your mortgage early or buy stocks with the Fed cutting rates? Here’s what homeowners should know

By Vishesh Raisinghani
Billionaires like Jay-Z and Beyoncé aren’t the only people who can benefit from a Mortgage State of Mind.

Mortgages • Aug 17

Power couple Jay-Z, Beyoncé have $57M mortgage — are they ‘broke billionaires’ or is something else going on?

By Vishesh Raisinghani
Jade Warshaw and Dave Ramsey.

Mortgages • May 01

Dave Ramsey warns there’s ‘no fix on the horizon’ for high US home prices — here’s what you can do about it

By Vishesh Raisinghani
Older couple on a hike pose in front of the trail, smiling and giving a thumbs up.

Investing • Aug 15

What's your worth? 3 net worth milestones you must hit on your road to riches (where you fall can say a lot about you)

By Vishesh Raisinghani
Man wearing glasses contemplating.

Investing • May 31

The S&P 500 returns 10% on average, but your mortgage costs 6.36% — here's what the math says to do

By Vishesh Raisinghani
A joyful quirky older couple is captured in this vibrant waist-up shot, both smiling and looking off-camera with a lighthearted expression.

Investing • May 31

Here’s the percentage of Americans who are millionaires — it’s likely higher than you think. Are you part of the group?

By Vishesh Raisinghani
Close up of a woman holding a handful of hundred dollar bills.

Banking • Mar 22

Most Americans keep savings in the wrong place — here’s what $20,000 earns in a year in regular vs. high-yield accounts

By Vishesh Raisinghani
Many Americans keep too much cash in their checking accounts, losing money to inflation and missed investment growth.

Banking • Oct 19

Keeping too much cash in your bank account could be a costly mistake — here’s how to know if you’ve got too much

By Vishesh Raisinghani
woman at home in front of laptop touching head temples for migraine or stress

Banking • Sep 16

US banks have the right to close your accounts with no warning — what to do if you lose access to your money

By Vishesh Raisinghani
63 year old couple smiling in front of sold house

Insurance • Jan 31

Selling your home after 63 can be a punishing Medicare mistake. Why it could cost you thousands in added premiums

By Vishesh Raisinghani
Tree falls onto a car after a storm

Insurance • May 25

Home insurance in the US may double within 10 years. Why rates are soaring — and not just in ‘disaster’ cities

By Vishesh Raisinghani
Mark Cuban talking

Insurance • Jan 02

Mark Cuban: Florida faces home insurance crisis

By Vishesh Raisinghani
Money Expert Dave Ramsey

Managing Money • 60287 views

Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake

By Vishesh Raisinghani
Older-aged couple standing by a sliding glass door with confident wide smiles.

Managing Money • Sep 23

Here are the 7 top habits of ‘quietly wealthy’ Americans — how many do you follow?

By Vishesh Raisinghani
A woman working on her finances

Managing Money • Jul 25

If you always say ‘yes’ to these 5 crucial things, you're probably broke (regardless of how much money you make)

By Vishesh Raisinghani
Arthur Porter, an 87-year-old Ford Motor Company employee

Life • May 22

'It's robots now,' says the 87-year-old Marine vet who's worked at Ford for 65 years. Here's his secret

By Vishesh Raisinghani
Investor and television personality Kevin O’Leary testifies.

Life • Feb 18

Kevin O’Leary reveals the worst part about being a rich guy (and how he deals with the problem). How to handle wealth

By Vishesh Raisinghani
Ray Dalio offers hope to mid-lifers feeling squeezed financially.

Life • Dec 07

Ray Dalio's 3 tips for people in 40s, 50s will help you get ‘more life out of your life’ in 2026, worry less about cash

By Vishesh Raisinghani
More articles from Vishesh Raisinghani

More from Vishesh Raisinghani

LATEST

Man in a gas mask and protective suits throws bucket of water over fire.

Retirement • 20275 views

Millions of Americans have a ticking time bomb in their tax-deferred accounts — 3 easy ways to start defusing it now

Don’t risk your financial future going up in flames.

By Vishesh Raisinghani
Older couple sit on the couch, looking upset and away from each other.

Retirement • Aug 24

Downsizing after retirement often makes no sense — are you locking yourself in for a smaller life than you should?

It's not a simple calculation.

By Vishesh Raisinghani
Older couple on a hike pose in front of the trail, smiling and giving a thumbs up.

Investing • Aug 15

What's your worth? 3 net worth milestones you must hit on your road to riches (where you fall can say a lot about you)

These benchmarks are true turning points in your journey.

By Vishesh Raisinghani
Couple in colorful clothing pose while hiking outdoors, smiling and with their thumbs up.

Retirement • Aug 09

Savvy investors know exactly when their 401(k) is big enough for them to call it quits — how to know if you're ready

The rules of thumb have gotten out of hand.

By Vishesh Raisinghani
A woman stressed at work

Retirement • Jul 26

5 crystal-clear signs you’re (very) well prepared for retirement. Can you finally stop stressing?

If you're feeling uneasy about healthcare costs, inflation, not enough savings or interest rates, you're in good company.

By Vishesh Raisinghani
Happy senior couple embracing in their home. Laughing and smiling directly at the camera.

Retirement • Jul 26

Retirement is very short if you retire at 65 and live to 85 — maximize your 'go-go' years full of health and wealth now

Are you depriving yourself?

By Vishesh Raisinghani
A woman working on her finances

Managing Money • Jul 25

If you always say ‘yes’ to these 5 crucial things, you're probably broke (regardless of how much money you make)

Six-figure salaries don't guarantee security. Survey data shows why saying yes too often — to loans, favors and lifestyle creep — can undo even a high income.

By Vishesh Raisinghani
Photo of a couple outside clinking wine glasses

Managing Money • Jul 25

You’ve got a leg up on about 50% of Americans if you check off any of these three boxes — how do you stack up?

Even if financial stress is making you toss and turn at night, you may be doing a bit better than you think compared to other Americans.

By Vishesh Raisinghani
Older couple smile for the camera, seen posing together in workout clothes at an outdoor track.

Managing Money • Jun 29

Are you richer than you think? 5 clear signs you’re doing better than the average American in 2026

Here’s what it takes to officially consider yourself ahead of the pack.

By Vishesh Raisinghani
Warren Buffett stands at a podium, looking grim with a stark black background behind him.

News • Jun 02

Warren Buffett told CNBC he could end America's deficit crisis 'in five minutes.’ Would his solution still work in 2026?

It all relies on President Donald Trump and Congress.

By Vishesh Raisinghani
Man wearing glasses contemplating.

Investing • May 31

The S&P 500 returns 10% on average, but your mortgage costs 6.36% — here's what the math says to do

Paying off your home seems like a quick and predictable return, but there are several factors to consider before you give up on stock market gains.

By Vishesh Raisinghani
Three senior adults smile and raise glasses in a toast on a bright, sunny day.

News • May 31

The average Social Security check is $2,081 — but a simple 3-year delay could bump yours to $3,500/month

There are several ways to boost your monthly benefit check to $3,500 or above, but there is one that is probably easiest on paper

By Vishesh Raisinghani
Two individuals, one man and one woman, are sitting on a park bench and bathed in warm sunlight.

Managing Money • May 31

Only 4.6% of Americans have $1 million in retirement savings — here's how to beat those odds

Most Americans want to retire as millionaires, but that’s still a rare target. Less than one in 20 get there, but you can boost your chances with a few savvy money moves.

By Vishesh Raisinghani
A joyful quirky older couple is captured in this vibrant waist-up shot, both smiling and looking off-camera with a lighthearted expression.

Investing • May 31

Here’s the percentage of Americans who are millionaires — it’s likely higher than you think. Are you part of the group?

If you’re not, there are a few ways to break in.

By Vishesh Raisinghani
CEO of BlackRock Larry Fink arrives to a panel at the BlackRock Infrastructure Summit on March 11, 2026 in Washington, DC.

Investing • May 30

Larry Fink warns Americans’ pensions, savings will fund the trillions required for AI data centers. Protect your wealth

Your 401(k) assets could be fueling the AI boom that could cost you your job. Here’s how you can protect yourself.

By Vishesh Raisinghani
A focused waist-up shot shows a senior woman in a green sweater sitting indoors, her hands placed on her face in what appears to be a moment of sadness.

Managing Money • May 30

3 reasons why $2M to $5M in retirement savings can be the toughest to handle — plus an instant tip for wealthy boomers

Being a multimillionaire is great, but also uniquely complicated. Here’s why this level of wealth can sometimes be challenging.

By Vishesh Raisinghani
An overhead, detailed shot shows a Social Security card displayed with a partially obscured fifty dollar bill.

Managing Money • May 29

'Clawback cruelty' is back: The SSA can now take 100% of your Social Security check to cover overpayments

You probably consider benefit checks a stable part of your retirement, but the government still has immense control over this cash flow. Here’s how you can prepare for the unexpected.

By Vishesh Raisinghani
An older worried couple sits together.

News • May 29

Vanguard study shows median retirement account in the US isn’t enough to buy a new car. Are you ready for retirement?

Headlines suggest many Americans have sizable retirement savings, but the reality is that less than half can afford a new car — let alone retirement. Here’s the ugly truth hiding in the data.

By Vishesh Raisinghani
An older man with short, gray hair and glasses is resting on a cane.

News • May 29

Social Security benefits capped at $50,000 under new, painful proposal. Shockproof your portfolio before it gets signed

A tight cap on annual benefits could impact a growing number of retirees over time. Protect yourself before this proposal becomes reality.

By Vishesh Raisinghani
Married older happy couple taking selfie in front of Triumphal Arch in Barcelona, Catalonia, Spain.

Managing Money • May 26

The 5 big retirement wealth levels in America: Where does $2M in savings place you?

From nothing saved to multiple millions, here are all the retirement wealth brackets you can use to measure your own progress.

By Vishesh Raisinghani
Mature man with sunglasses sitting by pool at hotel resort.

Managing Money • May 26

$124 trillion will pass to heirs by 2048 — Bill Perkins says most retirees should start giving it away much sooner

Giving money to your loved ones early could be tax-efficient if you have the right plan.

By Vishesh Raisinghani
An older, gray-haired woman hiking in the summer, with rolling green hills in the background.

Managing Money • May 24

Divorced in America? Social Security could owe you up to $1,500 a month under this surprising rule. Check if you qualify

Nearly 41% of Americans are not aware of this special Social Security rule that applies to divorcees and could boost their benefits.

By Vishesh Raisinghani
An older couple pose for a portrait at their kitchen table, lit by fading afternoon light.

Managing Money • May 23

Fidelity, AARP flash warning over 401(k) plans: ‘You could lose 25% to 35%.’ Here’s the big risk Americans face

An ounce of prevention beats a pound of the cure.

By Vishesh Raisinghani
Arthur Porter, an 87-year-old Ford Motor Company employee

Life • May 22

'It's robots now,' says the 87-year-old Marine vet who's worked at Ford for 65 years. Here's his secret

‘Whatever you do, do it as you want to do it.’

By Vishesh Raisinghani
An older couple sit at their kitchen table and sort through papers.

News • May 21

Most Americans retire with this much banked in savings: Will it be enough for you?

Comparing your savings to the typical American’s bank balance could help you measure progress to your financial goals.

By Vishesh Raisinghani

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