Neal Wagner
Contributing Writer
Financial Planning Writer
Neal Wagner is a contributing writer at Highly Regarded, covering debt and personal finance. His articles focus on practical strategies for managing money, paying down debt, and building long-term financial health.
Articles by Neal (5)
Debt Consolidation Loans: How They Work and When to Use One
If you’re looking at credit cards, personal loans, or other bills and having trouble staying afloat, you’re not alone. Many Americans are turning to debt consolidation loans as a way to simplify paying their bills and create lower monthly payments. But is it the right move for you?
How to Negotiate Medical Bills
Surprise medical bills can crush your budget—but knowing how to fight back can cut them in half. This guide shows you exactly how to negotiate, when to ask for a discount, and what to say to avoid collections or overpaying by thousands.
50/30/20 Budget Guide
A straightforward guide to the 50/30/20 budget rule — how to split your income into needs, wants, and savings, with examples for different income levels and alternative approaches.
Envelope Budgeting: A Simple, Proven Way to Take Control of Spending
Discover how envelope budgeting uses old-school simplicity to bring new control to your finances—one category at a time.
Zero-Based Budgeting: How to Give Every Dollar a Job in 2025
What is a zero-based budget? How does it differ from traditional budgeting? Our 2025 guide answers the top questions, shows a step-by-step setup, and lists quick fixes for common pitfalls.