Luma Adam
Personal Finance Editor
Luma Adam runs the personal finance desk at FinancerGuide. She breaks down budgets, credit scores, savings strategies, and debt payoff plans into steps you can actually follow on a weekday evening. Her work focuses on the gap between financial advice and financial behavior — what works for real households, not just spreadsheets.
FinancerGuide author profiles describe editorial coverage areas, not financial advisor, tax, legal, insurance, or loan credentials. Our articles are educational and should be checked against official sources and a qualified professional when advice depends on your personal situation.
Areas of expertise
Articles by Luma
Crypto Tax Guide 2026: IRS Rules and How to File
The IRS taxes cryptocurrency as property, not currency. Every trade, sale, and DeFi transaction creates a taxable event. Learn 2026 reporting rules and how to file correctly.
Best Online Banks 2026: Top Digital Banks Compared
The best online banks offer higher APYs, zero fees, and 24/7 access. In 2026, top digital banks like Ally, Marcus, and Charles Schwab compete on rates and convenience—we rank them by savings accounts, checking, and overall value.
Where to Keep Cash During a Recession: Safest Places
A recession puts pressure on savings. Learn where to keep cash safe—from FDIC-insured accounts earning 4–5% APY to Treasury bills and money market funds. Real 2026 rates and strategies.
How to Protect Your Savings From Inflation in 2026
Inflation erodes purchasing power. In 2026, you need a plan. Discover Treasury TIPS, I Bonds, high-yield savings accounts, stocks, real estate, and other proven strategies to protect your savings from inflation.
50/30/20 vs Zero-Based Budget: Which Works Better?
Choosing between the 50/30/20 rule and zero-based budgeting can make or break your financial goals. We break down both methods with real numbers to help you pick the right approach for your income and lifestyle.
FICO vs VantageScore: Which Credit Score Really Matters
Not all credit scores are created equal. Here's exactly what FICO and VantageScore measure, which lenders actually use, and why the difference could cost you thousands in interest.
File Taxes Free With IRS Direct File: Complete 2026 Guide
The IRS Direct File program lets eligible taxpayers file federal returns completely free—no software, no accountant fees. Here's exactly how to qualify and file in 2026.
Tax Loss Harvesting Explained for Normal Investors
Tax loss harvesting lets you sell losing investments to offset investment gains and reduce your tax bill. We break down how it works, who benefits most, and the critical wash-sale rule you must know.
Best Budgeting Apps 2026: YNAB vs Monarch vs EveryDollar
Finding the right budgeting app can save you thousands annually. We compare YNAB, Monarch Money, and EveryDollar—the three market leaders—to help you choose the best fit for your financial goals.
Emergency Fund Amount: How Much You Really Need
The 3-6 month emergency fund rule doesn't work for everyone. Your actual emergency fund amount depends on job stability, dependents, and monthly expenses. Here's how to calculate what you actually need.
Raise Your Credit Score 100 Points in 6 Months
A 100-point credit score boost takes strategy, but it's possible in 6 months. Learn the exact moves that work—from paying down debt to fixing errors.
Best High-Yield Savings Accounts 2026: Top Picks
High-yield savings accounts are paying up to 5.35% APY in 2026—far better than traditional banks. We've reviewed the top accounts to help you maximize your emergency fund and savings.
How to Pay Off Credit Card Debt Fast: 7 Proven Strategies
Carrying credit card debt costs you thousands in interest each year. We break down 7 proven strategies—from the debt avalanche method to balance transfers—with real numbers and step-by-step instructions to help you pay off debt faster.