Money Under 30 is one of “10 money and finance blogs you should read” according to Kiplinger’s Personal Finance and ranks among Wisebread’s top 25 financial blogs. We are frequently cited by national media outlets as experts on the financial issues facing millennials.
I’m David Weliver, founding editor of Money Under 30. I live near Portland, Maine with my wife and two young kids.
Since 2006, I’ve been blogging about beating debt, increasing your earnings and investing wisely while you’re young. I started the site because when I was about 25 and struggling with money, resources like this didn’t exist.
Although there are many excellent financial blogs, books and newspapers, most focus on older adults because they already have money (making it easier to sell products and advertising).
Money Under 30 is different: I’m committed to delivering clear, honest and totally free advice on learning to handle money well and build the life you want — whether you’re 21, 31 or even 71.
In 2003, I graduated from Bates College — a small liberal arts school — after which I moved to New York City and became an editorial assistant at SmartMoney, a monthly personal finance magazine published by The Wall Street Journal.
You might think that getting that job would’ve made me more financially-savvy than most, but let’s just say it took a few years. Instead I was a blissfully ignorant 22-year old in an expensive city with a pocketful of plastic, which I so happy used (and used and used).
By 26, I had no savings, no financial plan, not even a dollar of available credit. I was maxed out, stressed out, and fed up. I was earning $32,000 a year and lived in an 8×10 room in a rented house with three roommates. I was also $80,000 in debt.
How did I get there?
I wish I had a good story. Like I had spent two years traveling the globe, paid for a loved-one’s life-saving operation, or lost it all in a card game. Alas, I had simply spent my way through early adulthood, ignoring the cardinal rule of personal finance: Don’t spend what you don’t have.
And so I used Money Under 30 as an outlet to write about money: my mistakes with it, but also about how I learned to manage it well. I wrote, but I also hustled to pay off my debt. I got a second job at Starbucks. I found a higher-paying “day job”. Months later, I accepted a job back at my old employer for yet another raise. Meanwhile, this site grew from a hobby to a full-time business.
Today, publishing Money Under 30 is my vocation and my passion. It’s my sincere hope that I can help you learn to master your money, too.
Why read Money Under 30?
As you go from being a broke student to an independent adult with a decent job and some money in the bank, maybe you’re wondering “what now?” Or, simply: “How do I not screw this up?”
Perhaps you want to get out of debt, get married, buy a home, or even have kids. Maybe you want time to have fun or travel before settling down. Or maybe you just want some furniture that’s not from IKEA. Whatever your goal, I want to help you get there. By the way, it is fine if you’re over 30, too. It’s never too late to get right with your money!
Unlike other personal finance websites, I’m never going to preach because you eat out or want to buy a new car. These are the beliefs that guide everything I publish for you:
Personal finance is personal
Guidelines are useful, rules don’t work for everybody. Becoming rich means having enough money to live the life you want, not the life popular culture suggests you should have.
Being “good with money” is about psychology, not math
We learn financial habits as children and teenagers from our parents and environments. By the time we’re adults and have to manage money on our own, it can be difficult to unlearn bad habits, but it’s not impossible…with the right tools.
Focus on the future
We’re all starting from different places. We can’t change the past, but we can influence how we save and spend money going forward. It’s never the wrong time to start getting better with money.
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