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.
Areas of expertise
Articles by Luma
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.