- Ascent Authors
- Robin Hartill, CFP
Robin Hartill, CFP
Expert Contribution: Writer
FINANCIAL INDUSTRY WRITER SINCE 2016
NUMBER OF PUBLICATIONS: 70 | LAST PUBLISH DATE: 04-03-2024
Robin Hartill, CFP®, is a veteran personal finance writer and editor whose work frequently appears in various national publications. She wrote the syndicated “Dear Penny” personal finance advice column for over four years. She is based in St. Petersburg, Florida, and frequently writes about life insurance, Social Security, retirement, banking, and credit cards.
Financial Areas of Expertise
Credit Cards, Banks, Brokers, Insurances, Personal Loans, Investing, Retirement, Personal Finance
Featured in Renowned Media Publications
NerdWallet, The Motley Fool, Investopedia, Yahoo! Finance, The Penny Hoarder, USA Today, Tampa Bay Times, Las Vegas Review-Journal
Professional Accomplishments
- Writing The Penny Hoarder's "Dear Penny" personal finance advice column and hearing back from letter writers who said my advice made a difference in their lives.
- Earning the Certified Financial Planner™ designation.
- Launching a side hustle and paying off $12,000 of debt in 12 weeks.
- Receiving the 2023 MMI Financial Literacy and Education Communities (FLEC) Award for national excellence in consumer journalism.
Professional Affiliations
- Certified Financial Planner, CFP®
Education
- University of Florida, B.A., English
Robin's Recent Articles
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Don't Think About Maxing Out Your 401(k) Unless You've Hit These 4 Goals
Apr 3, 2024
Maxing out your 401(k) can be difficult if you don't earn a high salary. Check these four goals off the list before you max out …
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3 Disturbing Facts About Medical Credit Cards
Mar 25, 2024
Many healthcare providers promote medical credit cards as an easy way to pay. But don't apply before you know the risks involved. Here's what to …
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How to Turn Your Tax Refund Into a Fortune
Mar 22, 2024
For the 2023 tax season, the average tax refund is $3,182, according to the IRS. Learn how to invest that money to grow it into …
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Don't Ignore These 5 Essential Tax Breaks for Parents
Mar 17, 2024
Learn about five tax breaks that can help parents with the high costs of raising a child, such as the Child Tax Credit and Earned …
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The 5 Biggest Tax Credits Americans Can Claim
Mar 10, 2024
Tax credits reduce your tax bill dollar for dollar and sometimes help you land a refund. Learn about the five biggest tax credits you may …
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Underrated Hacks for Boosting Your Roth IRA Contributions in 2023
Mar 10, 2024
You still have time to fund your Roth IRA for 2023. Learn a few tricks for boosting your Roth IRA before the deadline.
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Don't Ignore These High-Yield Savings Opportunities in 2024
Mar 7, 2024
Higher interest rates benefit savers. Check out these three high-yield savings opportunities to maximize your earnings in 2024.
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3 Signs You Shouldn't Open a CD, Even With Rates at 5.5%
Mar 6, 2024
The best CD rates are sky high, making CDs an appealing investment in 2024. But here are three times you should never put your money …
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How I Paid Off $9K of Credit Card Debt in 9 Weeks
Mar 6, 2024
Paying off credit card debt quickly isn't always possible when your necessities eat up most of your take-home pay. Learn what strategies work.
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The Underrated Benefits of Off-Season Cruising
Mar 6, 2024
Cruising off-season allows you to score free upgrades and onboard credits while avoiding crowds. Find out the secret perks of off-season cruising.
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5 Surprising Investing Trends to Watch in 2024
Mar 5, 2024
Investors are once again bullish on the stock market in the early months of 2024. Learn about these five investment trends to put on your …
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Will You Owe Taxes if You Got a Bank Bonus?
Mar 4, 2024
Bank bonuses are considered taxable income by the IRS and need to be included on your return. Find out how much you can expect to …
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Can You Claim a Home Office Deduction if You Worked From Home in 2023?
Mar 4, 2024
The IRS has strict rules about taking a home office deduction. Find out if you qualify to deduct your office if you work from home.
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5 High-Interest Savings Accounts to Check Out in 2024
Mar 3, 2024
Many of the best high-interest savings accounts have APYs over 4%, which is nearly 10 times the national average. Check out these top picks for …
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Make $1,000 Fast With These 5 Side Hustles
Mar 1, 2024
If you need more money, a side gig can help you reach your goals faster. Learn about five side hustles that don't require lots of …
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3 Ways You Can Still Lower Your 2023 Taxable Income Before April 15
Feb 29, 2024
Contributing to a tax-deferred account can lower your taxable income. Learn about three accounts that let you make 2023 contributions until April 15, 2024.
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Common Mistakes in Using Credit Card Perks and How to Avoid Them
Feb 20, 2024
Signing up for a credit card with great perks isn't worth it if the card doesn't fit your spending habits. Learn how to pick the …
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5 Expensive Mistakes in Salary Negotiation: How to Avoid Them
Feb 15, 2024
Negotiating your salary is likely to get you a bigger paycheck, but most workers don't negotiate. Learn five errors to skip when you're offered a …
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5 Ways to Save Money on Last-Minute Valentine's Day Flowers
Feb 8, 2024
Valentine's Day flowers get more expensive the longer you wait. Learn five ways you can save on flowers if you haven't placed your order yet.
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Why Loud Budgeting Could Be the Key to Unlocking Your Financial Potential
Feb 7, 2024
Loud budgeting is about talking openly about being on a budget, and it's taken TikTok by storm. Find out how it could help you reach …
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In a Higher Tax Bracket in 2024? Here's Why That's a Good Thing
Jan 24, 2024
More money means more taxes, but falling into a higher tax bracket in 2024 isn't cause for concern. Here's why.
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4 Tax Credits Every Parent Needs to Know About
Jan 24, 2024
Parents who are paying for the high costs of raising a child or paying for education may qualify for tax relief. Learn about four tax …
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I Found $374 in Missing Money. There's a Chance You're Owed Money, Too
Jan 24, 2024
About one in seven people has missing money in their state coffers. Find out how to find your unclaimed funds in just a few minutes.
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5 Reasons I Refuse to Buy a Costco Membership
Jan 14, 2024
Shopping at Costco can save you big bucks, but it's not a good fit for my lifestyle. Here are five reasons a Costco membership doesn't …
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Why More Americans Are Turning to Itemized Deductions This Year
Dec 31, 2023
Opting for itemized deductions when you file your 2023 taxes could make more sense due to rising interest rates. Find out why.
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How I Plan to Add an Extra $3,575 to My Emergency Fund in 2024
Dec 25, 2023
My goal for the new year is to scale back on a habit that's costing me thousands of dollars. Find out exactly how I plan …
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Will Auto Insurance Be More Affordable in 2024?
Dec 25, 2023
Auto insurance rates are expected to rise due to factors like higher repair costs and bodily injury claims. Learn how to keep your premiums affordable.
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This Investing Strategy Used by the Top 1% Is Becoming Mainstream -- and Helping People Pay Less in Taxes
Dec 25, 2023
Direct indexing is a strategy of buying the stocks in an index instead of an index fund. Learn why it's easier for regular investors to …
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Ranked: The Best Value Gym Memberships for Every Budget
Dec 25, 2023
Joining a gym doesn't have to break your budget. Check out the five best-value gym memberships for 2024 to help you get fit without draining …
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Is Donating Your Car More Expensive Than Selling It? Let's Find Out
Dec 24, 2023
Donating your old car can be easier than selling it, but what are the costs? Find out more about how car donation affects your finances.
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5 Ways 'Buy Now, Pay Later' Can Change Your Shopping Game
Dec 22, 2023
Buy now, pay later plans can land you in debt, but they can also up your shopping game if you're savvy. Find out how to …
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The 4 Most Misunderstood Rules of Charitable Giving Write-Offs
Dec 22, 2023
Donating to charity can be a great way to help others, but it won't always lower your tax bill. Find out the truth about charitable …
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5 Packing Tips Flight Attendants Swear by That Save Big Money on Baggage Fees
Dec 21, 2023
Checking a bag can make travel even more expensive. Learn five flight attendant-approved tips for fitting your belongings into a carry-on.
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Top Tips: The Best Times to Switch Your Auto Insurance for Maximum Savings
Dec 18, 2023
There's no best time of year to switch auto insurance, but changes in your personal circumstances could save you money. Find out when to shop …
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This Is How to Use 'Buy Now, Pay Later' Without Falling Into Debt
Dec 15, 2023
Buy now, pay later loans can be risky, but they don't need to lead you into a spiral of debt. Follow these tips to avoid …
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4 Important Financial Moves I Made Before I Quit My Job
Dec 15, 2023
Before you quit your job, make sure you have a plan for health insurance and your 401(k). Learn about other financial moves to make before …
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Want a Job With Unlimited PTO? It Could Cost You Financially
Dec 14, 2023
Unlimited PTO sounds great, but it could cost you money and time off. Find out how unlimited time off really works and how to make …
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This Is the Ugly Truth Behind Buy Now, Pay Later Plans
Dec 14, 2023
Buy now, pay later (BNPL) plans make it easy to split up a purchase into several installments with no interest. Find out how you really …
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The Debit Card Mistake That Cost Me $8,655
Dec 13, 2023
Forgetting to update a debit or credit card can be a costly mistake for bills like insurance. See how I learned that the hard way …
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5 Perks of the Amex Platinum Card You Probably Aren't Using -- but Should
Dec 13, 2023
The Platinum Card from American Express is known for its welcome bonus and travel points, but there are several lesser-known perks you should know about.
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You Can Visit National Parks for Free on These 6 Days in 2024
Dec 12, 2023
Entrance fees are waived at all national parks for six days in the new year. Check out the dates here, plus other ways to save …
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4 Reasons Why Auto Insurance Rates Are Unlikely to Fall in 2024
Dec 10, 2023
Car insurance premiums are up 19% in 2023 and will likely continue to rise in 2024. Find out what's driving the increase and how to …
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This Is the Biggest Financial Mistake I Made in 2023
Dec 9, 2023
Not comparing your health insurance options can be costly when you lose job-based coverage. Learn how to avoid this mistake.
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The Standard Deduction Is Going Up by $750 in 2024. Should You Claim It?
Dec 4, 2023
The standard deduction will increase by $750 for single filers and $1,500 for married couples in 2024. Find out how that affects your tax bill.
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Insurance Hacks: Here's How to Get the Most Out of Open Enrollment
Nov 18, 2023
Open enrollment is typically the only time each year that you can choose health insurance. Navigate the maze using these tips.
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Beauty Hacks: How to Get High-End Products for Less
Nov 17, 2023
Look beyond department store makeup counters to save money on high-end beauty products. Learn four tricks for getting beauty products for less.
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4 Things Everyone Gets Wrong About Credit Scores
Nov 16, 2023
Your credit score affects many aspects of your financial life, but there's a lot of mystery around them. Don't fall for these common credit score …
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Applying to College Soon? Here Are the Top 10-Paying Majors
Nov 3, 2023
The highest-paying college major is engineering, while other STEM majors are high on the list. Learn how much you can earn with a degree in …
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3 Side Hustles That Cost More Than They Earn
Oct 29, 2023
A side hustle can help you boost your income, but the wrong opportunity can cost you. Learn about three side hustles that often leave workers …
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The 6 Best Vegan Trader Joe's Products That Cost $6 or Less
Oct 25, 2023
Trader Joe's offers plenty of delicious vegan options that even non-vegans will love. Check out the best vegan items that cost less than $6.
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3 Essential Tools Every Prime Day Shopper Should Use
Oct 10, 2023
October Prime Day is here. These three tools will help you find the deals that are actually worth your money.
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Here's What Happens When You Stop Paying Your Utility Bills
Sep 30, 2023
When you miss utility payments, you may get hit with fees and have service disconnected. Find out about resources that can help.
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5 Amazing Costco Buys for Less Than $10
Sep 30, 2023
From rotisserie chicken to pantry staples, here are five fabulous Costco deals that all cost under $10.
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Should You Rent a Car With Costco?
Sep 27, 2023
Costco Travel offers rental car discounts, but is using your membership the cheapest way to rent a car? Find out the surprising truth.
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If You Work One of These 5 Jobs, You Get a Free $30 Costco Shop Card When You Join
Sep 26, 2023
Costco doesn't offer free or discounted memberships, but some jobs can land you a free $30 Shop Card when you join. Find out if you …
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Car Loans Are Harder to Get Than Ever. Here Are 6 Tips for Securing Financing
Sep 15, 2023
As auto loan defaults rise, it's getting tougher to finance a car. Consider these six tips for getting a loan if you're shopping for a …
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These 6 Sam's Club Perks Could Save You Thousands
Sep 12, 2023
Sam's Club isn't just a place to buy discounted groceries and household items. Here are six surprising perks of a Sam's Club membership.
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Medical Credit Cards: Here's Everything You Need to Know
Sep 11, 2023
Medical credit cards can help with an expensive bill, but there are a few details buried in the fine print you should be aware of. …
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Trying to Find a Forgotten 401(k)? Here's How to Track It Down
Sep 11, 2023
When you leave a job, you still own your 401(k) money, but finding old accounts can be difficult. Find out how to locate your old …
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Is Driving for Instacart Worth It?
Aug 28, 2023
Becoming an Instacart driver can help you make money, but there are also costs. Find out when driving for Instacart is worth it.
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5 Things You Didn't Realize You Could Buy at Costco
Aug 7, 2023
Groceries and home products aren't the only items you can save big on at Costco. Here are five surprising things you can get with your …
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This Is Ramit Sethi's Argument for Investing Before Buying a Home. And Why He's Right
Aug 7, 2023
A lot of people say renting is a waste of money. Learn why Ramit Sethi says investing is more important than buying a home and …
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Here's How to Win the Balance Transfer Game
Aug 7, 2023
The balance transfer game can save you interest if you know the rules. Follow these tips to crush your debt before that 0% APR ends.
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5 Things to Buy at the Dollar Store Instead of the Supermarket
Aug 4, 2023
Not everything at the dollar store is a bargain, but there are deals to be found. Check out five dollar store purchases that could save …
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Credit History: Find Out Yours
Jul 27, 2023
You're entitled to a free credit report every 12 months from each of the three credit bureaus. Find out how to get your reports and …
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5 Kirkland Products Costco Members Can't Get Enough Of
Jul 25, 2023
Want to get the most out of your Costco membership? Check out these five Kirkland Signature products that members love.
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3 Times to Choose a Traditional IRA Over a Roth IRA
Jul 24, 2023
A Roth IRA offers tax-free withdrawals, but it's not always the best choice. Learn about three situations where opting for a traditional IRA makes sense.
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The 6 Smartest Things You Can Do if You Win the Powerball
Jul 20, 2023
If you win the Powerball, you're not doomed to live out the lottery curse. These are the steps you should take to manage your new …
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4 Things I Wish I Knew When I Had a 515 Credit Score
Jul 19, 2023
I didn't know just how bad my credit was until my car died. Read on for four things I wish I knew back then that …
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4 Things You Can Buy From Costco Without a Membership
Jul 15, 2023
Even if you don't want to spend $60 or more on an annual membership, you can still score a few Costco deals if you're not …
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