CFP

Moving from a CFP participant to a team that hasn’t won a conference championship in more than a quarter of a century presents some risk for Iamaleava in his bid to win at the highest level of college football before moving on to the NFL.

“It is unfortunate, but many influencers make their money by getting others to spend money they otherwise would not spend on things they never knew they needed or wanted,” Bobbi Rebell, CFP, Founder and CEO of Financial Wellness Strategies, said in an email.

We’ve both been part of championship-level CFP teams before, but the environment has changed.

If it's not giving you joy, or you no longer or hardly use a subscription, cut it, recommends Alvin Carlos, a CFA, CFP® and financial planner and managing partner of District Capital Management.

Subscriptions can easily creep into our budgets, and those small, recurring charges add up over time, said Daniel E. Milks, a CFP® with the financial planning firm Fiduciary Organization.