Hal M. Bundrick is a personal finance writer and a NerdWallet authority in money matters. He is a certified financial planner and former financial consultant and senior investment specialist for Wall Street firms. Hal advised families, business owners, nonprofits and trusts, as well as managed group employee retirement plans in the South and Midwest. Hal now works to make financial topics understandable and jargon-free.
- Credentials: CFP (Certified Financial Planner)
- Previous experience: Financial advisor, senior investment specialist
Hal has also nerded out in...
Quotes and interviews
The Associated Press. How to protect your spending power from inflation.
The Washington Post, USA Today, Los Angeles Times
The latest from Hal
Living Single and Maximizing Money
Money News & Moves: The smart management of money when you're single can give you the independence you deserve.
When to Refinance a Mortgage: Is Now a Good Time?
It's more than just getting a lower mortgage rate. You want to consider how long you plan to stay in your home and calculate your refi break-even point.
The 20% Mortgage Down Payment Isn’t Dead Yet
A growing number of buyers are putting down 20% in today's hot market, but most people still make smaller down payments.
Mortgage Refinance Closing Costs to Watch Out For
Mortgage refinance closing costs can include origination fees, discount points and third-party charges. Compare costs before choosing a lender.
The Loan Estimate and Closing Disclosure: What They Mean
The Loan Estimate and the Closing Disclosure forms boil down all of the closing costs you’ll encounter when getting a home loan.
How Low-Income Households Can Prepare for a Stumbling Economy
Take proactive steps to secure your job, transportation and emergency credit; next, turn to agencies for resources.
The Worst Inflation of All: Record Levels of Debt
Money News & Moves: Battle adding more debt, and if you're struggling to pay bills on time, take action in days, not weeks.
The 12-Word Financial Plan: Do This and You’re Done
Money News & Views: Just 12 words sum up a successful plan for a financial life without budgeting. Maybe even just six.
U.S. Default, End of Social Security: Time to Prep for the Worst?
Money News & Moves: Rather than worrying about things out of your control, reinforce your long-term financial situation now.
Bank Failures Show Us What Not to Do With Our Own Finances
Money News & Moves: Remembering important money-managing lessons that some bank execs apparently forgot.
Don’t Want to Fully Merge Finances? Consider a Money Partnership
Money News & Moves: Tax time can be a good opportunity for couples to strengthen their approach to money.
What Is Considered Low Income?
A widely used federal guideline defines low income as $14,580 annually for one person and $30,000 for a family of four.
Dollar Store Demand + the Wild Card that Could Sink Wealth
Money News & Moves: Dollar stores are getting more of our cash but remember, health and wealth are closely related.
Age of AI: ChatGPT, Bard and How Money Advice Might Evolve
Money News & Moves: Without specific information, chatbots provide generic if/then answers. But then, so do humans. What’s ahead?