About Money Under 30

Money Under 30 is frequently cited as experts on millennial personal finance.Money Under 30 is here to help you eliminate debt and save your first — or next — $100,000.

Since 2006, we’ve been a free source for everything you need to know about money, written by real people who have been there.

Money Under 30 is one of “10 money and finance blogs you should read” according to Kiplinger’s Personal Finance. We are frequently cited by national media outlets as experts on the financial issues facing millennials.

What can Money Under 30 do for you?

Why read Money Under 30?

These are the beliefs that guide everything we publish:

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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About David

David Weliver, Editor of MoneyUnder30.comI’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.

My story

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.