Home Authors Matt Miczulski
Matt Miczulski

Matt Miczulski

Staff writer

Matt Miczulski is an investments writer at Finder, where he covers market news and digs into brokerages and investments to help readers make informed financial decisions. His expertise and writing have been featured on CBS, MSN, Best Company and Consolidated Credit, among others. Before joining Finder, Matt covered everything from finance news and banking, to debt and travel for FinanceBuzz.

Expertise

  • Investing
  • Paying off debt
  • Credit cards
  • Budgeting and saving
  • Banking
  • Mortgages and refinancing

Highlights

  • Well-versed in breaking down financial jargon and complex topics to meet readers where they are in their financial journey
  • Featured on Best Company, Consolidated Credit, MSN, CBS and MediaFeed, among others
  • Author of over 400 articles on investing, budgeting and saving, paying off debt, mortgages, credit cards and more
  • Paid off $30,000 in debt in a little more than a year

Education

  • Bachelor of Arts in history | William Paterson University | 2014

Featured Publications

Industry insights from Matt Miczulski

We asked Matt to demonstrate his expertise by answering a few questions about mortgages and personal finance.

What advice do you have for others struggling to pay off massive amounts of debt, based on what you learned from your family’s own journey to becoming debt free?

Don’t try to tackle your debt without both a plan and an accurate assessment of your finances. Start off by listing your total debts, as well as your monthly income and expenses. Having a concrete goal to aim for will allow you to put an effective spending plan in place. Other than that, debt repayment takes time. You’ll get frustrated, and it will sometimes feel like you’re not getting anywhere. But don’t worry: This is completely normal. Stay disciplined and persistent with your repayments and you’ll start making headway. To keep you on the right path, find ways to stay motivated. Your headspace going into this is just as important as having the money to repay the debt — and nothing can derail a debt repayment strategy faster than a lack of motivation. If it means treating yourself every once in a while so that you stay on track, do it. Debt repayment isn’t fun, but the outcome is totally worth it.

With post-COVID mortgage rates low, should homebuyers consider a fixed-rate mortgage instead of an adjustable-rate mortgage?

Though they’re always fluctuating, the average interest rates for the 30-year fixed, 15-year fixed and 5/1 adjustable-rate mortgages are at some of the lowest they’ve been in years if you look at mortgage rate history. But we’ll probably start to see mortgage and refinance rates increase as the economy begins to get its footing again. Because rates are still hovering at record low levels, a fixed-rate mortgage is the clear winner for most borrowers right now.

Are credit cards with high annual fees ever worth it?

Credit cards with high annual fees usually come with numerous benefits that help offset a portion of the fee, such as a sign-up bonus and various statement credits. But since the sign-up bonus is a one-time deal, you really need to look at the second year to determine the card’s ongoing value. Without the sign-up bonus, are the card’s annual credits, perks and spending category multipliers enough to justify the high annual fee? Will you actually use the $200 Uber credit or $100 Saks Fifth Avenue credit or whatever credits the card offers? The card might offer 5X points on travel, but what if you don’t plan to travel much for the foreseeable future? These are the things to consider when trying to determine if a credit card with a high annual fee is worth it to you. In short, yes, credit cards with high annual fees can be worth it. It just depends on how the card aligns with your spending habits.

Latest articles by Matt Miczulski

261 articles written by this author

Alternatives to Webull

Looking for a discount broker like Webull that offers something different? Here are some of the top alternatives to consider.

Matt Miczulski 29 September 2022
Alternatives to Webull

Best renewable energy stocks for 2022

Here are the best renewable energy stocks that should be on your radar to help you grow your green portfolio

Matt Miczulski 29 September 2022
Best renewable energy stocks for 2022

Manganese stocks

Here are 6 manganese stocks that should be on your radar as EV batteries create new demand.

Matt Miczulski 29 September 2022
Manganese stocks

The best dividend stocks for 2022

Our list of 10 dividend stocks to watch in 2022.

Matt Miczulski 29 September 2022
The best dividend stocks for 2022

Best penny stocks for 2022

Despite the market’s volatility, penny stocks aren’t a lost cause. Here are the best penny stocks that should be on your radar.

Matt Miczulski 6 September 2022
Best penny stocks for 2022

Find the cheapest stock brokerage accounts

We explore some of the cheapest stock brokerage accounts on the market. Here’s what you need to know to find the one that's best for you.

Matt Miczulski 8 August 2022
Find the cheapest stock brokerage accounts

Economic indicators could prompt bigger rate hikes, and 2 other things to watch in the market next week

Housing market numbers could influence a more aggressive rate hike at the next FOMC meeting. Plus, earnings season intensifies and Bitcoin searches for a bottom.

Matt Miczulski 15 July 2022
Economic indicators could prompt bigger rate hikes, and 2 other things to watch in the market next week

Domain Money review 2022

First impressions of newcomer investing app Domain Money and how it compares to the competition.

Matt Miczulski 15 July 2022
Domain Money review 2022

Delta stock falls 9% after earnings miss; sector slumps

Operational disruptions and higher fuel costs hit the airline’s quarterly profit as travel demand picks up. What investors need to know.

Matt Miczulski 13 July 2022
Delta stock falls 9% after earnings miss; sector slumps

Canoo shares soar 111% after Walmart orders 4,500 EVs

Canoo has warned of liquidity issues. Is this deal enough to keep it afloat?

Matt Miczulski 12 July 2022
Canoo shares soar 111% after Walmart orders 4,500 EVs
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