Todd Christensen

Accredited Financial Counselor and Education Manager, Money Fit by Debt Reduction Services, Inc.

Author, speaker, educator and counselor, Todd Christensen, AFC, MIM, leads engaging and practical workshops and conference promoting financial and time freedom for all. Having facilitated thousands of workshops since 2004, Todd founded 50PlusOnFIRE LLC in 2020. He’s the author of 50+ on FIRE (2021) and Everyday Money for Everyday People (2014).

Education: Accredited Financial Counselor, Master of International Management

Awards: AFCPE Outstanding Consumer Financial Information Award (2019, 2020), Idaho Author 1st Place (2015)

Latest Expert Contributions

Average Credit Card Debt in America

The average credit card debt per person in the U.S. decreased since the start of the pandemic. Learn how debt varies by age, race, income and location.Read More

Guide to Getting Your First Credit Card

A complete guide to choosing, applying for and obtaining your first credit card. Learn how to handle a denied application and tips for responsible card usage for beginners. Read More

A Guide to Budgeting: 50/30/20 Method Explained

Budgeting is an essential factor in financial wellness. MoneyGeek explores the 50/30/20 budget method, detailing how it works and its pros and cons.Read More

Average Personal Savings of Americans

The average American savings balance varies across demographics, including age, income, educational attainment, race and ethnicity, and household structure.Read More

What Is an Authorized User and Should You Add One?

A credit card authorized user is given permission to use another person's credit account. Find out what it is, how it works and how it can help build credit.Read More