Daniel Reyes

Personal Finance Writer & Editor

United States
25 articles published

About Daniel

Daniel Reyes is the writer and editor behind LinksVid, an independent personal finance site for US households. He holds a bachelor's degree in Economics and writes plain-English guides on budgeting, debt payoff, credit, and saving — the everyday-money topics he has personally worked through.

LinksVid is a one-person publication, and Daniel is not a licensed financial adviser, CPA, or attorney. The site's value is process rather than credentials: every guide starts from a primary source, works through real numbers, names the trade-offs, links its sources, and shows a published and last-updated date. Corrections are welcome and are applied to the article with an updated date.

Credentials & Experience

B.A. Economics

Areas of Expertise

BudgetingDebt payoffCredit scoresEmergency savingsFrugal living

Articles by Daniel Reyes

Credit Card Rewards: The Break-Even Math Most People Never Run Credit · Oct 18, 2026
529 College Savings Plans: The Rules, the Fee Traps, and the New Roth Rollover Saving · Oct 14, 2026
Salary Negotiation: The Fifteen Minutes That Reprice the Next Ten Years Income · Oct 10, 2026
Realistic Passive Income Ideas for 2026: What Actually Works and What's Just Hype Passive Income · Oct 5, 2026
Term vs. Whole Life Insurance: What the Cash Value Actually Costs You Insurance · Oct 3, 2026
Legal Tax-Saving Strategies Every Person Should Know Before Filing This Year Tax · Oct 1, 2026
HSA vs. FSA: The Tax Math, the Use-It-or-Lose-It Trap, and Why One Is a Retirement Account Insurance · Sep 26, 2026
Frugal Living Without Deprivation: 15 Evidence-Based Habits That Save Thousands a Year Frugal Living · Sep 25, 2026
Why Starting to Save for Retirement in Your 20s Changes Everything (The Compound Math Proves It) Retirement · Sep 20, 2026
Federal Student Loan Repayment: Choosing a Plan When the Rules Keep Changing Debt · Sep 19, 2026
12 Realistic Side Hustles That Actually Make Money in 2026 (With Honest Earning Ranges) Income · Sep 15, 2026
First-Time Home Buyer's Guide: Down Payments, Mortgage Math, and the Costs Nobody Quotes You Home Buying · Sep 12, 2026
How to Raise Your Credit Score by 100+ Points: A Data-Backed Action Plan Credit · Sep 10, 2026
5 Proven Debt Payoff Strategies Compared: Which One Actually Works Best for You? Debt · Sep 5, 2026
Index Funds vs. ETFs: The Differences That Actually Change Your Returns Investing · Sep 5, 2026
Investing 101: A Plain-English Guide to Stocks, Bonds, and Index Funds for Total Beginners Investing · Sep 1, 2026
Roth vs. Traditional IRA: How to Decide With Actual Numbers Instead of Rules of Thumb Retirement · Aug 29, 2026
How to Build an Emergency Fund From Scratch: A Realistic Step-by-Step Plan Saving · Aug 22, 2026
High-Yield Savings vs. CD vs. Money Market: Where Your Cash Should Sit in 2026 Saving · Aug 22, 2026
The Complete Budgeting Guide for Beginners: How to Create a Budget That Actually Works Budgeting · Aug 15, 2026
Dividend Investing: Yield Is Not Return, and the Difference Is Where the Money Goes Passive Income · Aug 1, 2026
The Grocery Budget: What Food Actually Costs, and Where the Waste Hides Frugal Living · Jul 25, 2026
Closing Costs Explained: Every Line on the Settlement Statement, and Which Ones You Can Negotiate Home Buying · Jul 18, 2026
Estimated Tax Payments: Who Owes Them, How Much, and How to Avoid the Penalty Tax · Jul 11, 2026
Zero-Based Budgeting: Giving Every Dollar a Job Before the Month Starts Budgeting · Jul 4, 2026