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How Much Should You Spend on a Car in Your 20s?

Oh, cars. How we love to both love and hate you. It’s easy to get caught up in the manufactured romance of the automobile. The new-car smell. The comforting feel of cool leather cocooning you as you grip the wheel and accelerate into a curve. The p … [Read more...]

Alternatives To Savings Accounts

Anybody with a high yield savings account knows that the rates on these accounts are pretty dismal these days. Although some banks, including top-rated FNBO Direct, continue to pay competitive rates (as high as the market will allow), you can’t e … [Read more...]

Survey: Today’s 20-somethings Are Broke But Optimistic; How Do You Compare?

80% of 20-somethings expect to do at least as well financially as their parents -- Click to Tweet The State of 20-somethings' Finances in the United States In January 2014, Money Under 30 surveyed 300 random Americans between the ages of 21 and … [Read more...]

The Roth IRA: A Saver’s Best Friend

Ready to start investing on your own? Then a Roth IRA is the first place to look. Jump to: Roth IRA Contribution Limits Roth IRA Income Limits Before I took a job at SmartMoney Magazine, terms like 401(k), Traditional IRA, and Roth IRA … [Read more...]

Personal Loans Vs Credit Cards: When To Use A Loan Instead Of Plastic

When life's big expenses crop up, it's always best to pay cash. That's why the first step in building financial security is to get ahead of your paycheck and save money for emergencies -- and eventually big purchases like cars and vacations. If … [Read more...]

myRA: What You Need to Know About the New myRA Savings Account

If you watched President Obama’s State of the Union address a few weeks ago – or paved attention to any of the ensuring press – you may have heard about something called myRA. No, myRA is not some special healthcare plan for people with Rheumatoid … [Read more...]

Angie’s List: The Best $30 You’ll Spend All Year

When Lauren and I bought our first home in 2010, we entered the brave new world of home improvement and repair. From issues with the new home that came up during inspections to surprise repairs (a leaking pipe in the basement, two busted appliances, … [Read more...]

Side Hustle Ideas: 35+ Ways Anyone Can Earn More Money on the Side

We’ve been talking recently about how difficult it is for debt-saddled 20-somethings on entry-level salaries to follow the cardinal rule of personal finance -- live below your means and invest the difference. If that sounds familiar, you have two o … [Read more...]

What Credit Score do you Need to get Approved for a Credit Card?

If you're looking to be approved for a credit card, you'll need to have a credit score that meets the bank's minimum criteria. This is why we hammer home this advice here on Money Under 30: Know your credit score. Keeping track of your credit … [Read more...]

Overcoming Obstacles to Earning More: Beat Your Fear of Failure and the ‘Not Enough Time’ Excuse

Two weeks ago, I asked you – that if want to earn more money -- what’s holding you back? Even if the path to a larger income is as simple as getting a weekend bartending gig or reaching out to existing contacts for freelancing work, we all have ple … [Read more...]