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Live a richer life.
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
Photo of happy older couple on beach

Retirement • 89137 views

Fretting because you haven’t hit the ‘magic’ retirement savings number? Take a breath — you still have options

By Vishesh Raisinghani
Woman enjoying a coffee at the beach.

Retirement • Oct 11

Don't think about retiring if these 5 warning signs pop up — even if you believe you've saved enough

By Vishesh Raisinghani
Photo of an older couple enjoying a picnic

Retirement • Sep 19

Think you're ready to retire? Don't bite the bullet until you've hit these 6 key milestones

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
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
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?

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
Photo of a couple standing outside smiling and holding money

Managing Money • Sep 15

What net worth places you in the top 10% of Americans? You may be closer than you think

By Vishesh Raisinghani
Man holding a fishing rod, looking up with surprise in the aisle.

Managing Money • Jul 04

You've saved $2 million for retirement — but these 5 traps could be quietly devouring your nest egg

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

Photo of happy older couple on beach

Retirement • 89137 views

Fretting because you haven’t hit the ‘magic’ retirement savings number? Take a breath — you still have options

even if they retire without a seven-figure portfolio, retirees can find ways to get by.

By Vishesh Raisinghani
Woman enjoying a coffee at the beach.

Retirement • Oct 11

Don't think about retiring if these 5 warning signs pop up — even if you believe you've saved enough

Hitting your goal number may open the door, but walking through it too soon could create big challenges.

By Vishesh Raisinghani
Photo of an older couple enjoying a picnic

Retirement • Sep 19

Think you're ready to retire? Don't bite the bullet until you've hit these 6 key milestones

Don’t wait until you’re actually retired to make a strong plan for your post-work life.

By Vishesh Raisinghani
Man sits on bed in room surrounded by stuff, looking down.

Retirement • Sep 17

5 dead-simple rules to owning less ‘stuff’ in retirement. Finally cull your clutter in 2026 and beyond

More than a third of Americans report feeling overwhelmed by clutter. Here’s how to finally handle it.

By Vishesh Raisinghani
Photo of an older couple on vacation

Retirement • Sep 16

Are you 5 years from retirement? Do these 5 things now — or risk running out of cash

You’ve worked hard for years. Now it’s time to focus on yourself and the post-work life you’ve always imagined. Here’s how.

By Vishesh Raisinghani
Photo of a couple standing outside smiling and holding money

Managing Money • Sep 15

What net worth places you in the top 10% of Americans? You may be closer than you think

If you drill down into the top numbers by age group, you may discover you’re on a better track than you thought.

By Vishesh Raisinghani
Photo of older couple having fun and drinking wine on a boat

Retirement • Sep 15

3 perfectly good reasons to retire immediately (even if you think you can't afford it)

Consider whether the tradeoff you’re making by working a few more years is worth the effort for you.

By Vishesh Raisinghani
Man seen leaning on the top of a red car, looking directly at the camera.

Retirement • Sep 14

7 ‘bad assets’ that could cause you to retire poor in America — how many do you own?

Watch out for these sneaky money traps.

By Vishesh Raisinghani
Senior woman playfully rides on a zipline at the park.

Retirement • Sep 06

The retirement savings you'll need to spend $10,000 at age 55, 62 and 65. Can you afford to retire in 2027?

When it comes to retirement savings, age is way more than just a number.

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

Retirement • Aug 30

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
Man holding a fishing rod, looking up with surprise in the aisle.

Managing Money • Jul 04

You've saved $2 million for retirement — but these 5 traps could be quietly devouring your nest egg

Take action before it's too late.

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

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