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About Lou Carlozo

Based in Chicago, Lou Carlozo is a personal finance contributor for Reuters Money, a columnist with DealNews.com, and a former managing editor at AOL's WalletPop.com. Contact him with story ideas for Money Under 30 at feedbacker@aol.com, or follow him via LinkedIn and Twitter (@LouCarlozo63).

How We Save: This Woman Said “Enough!” To Debt; Here’s What She Did

From ancient times through the mid-19th Century, debtors’ prisons served as places where you stashed those people who couldn’t pay off their financial obligations. But you don’t need an edifice of brick and iron bars to feel like debt has taken away y … [Read more...]

Could An Annuity Belong In Your 401(k) Or IRA? Proceed Carefully

Annuities are complicated financial products that can be overhyped and oversold by commission-hungry sales reps. And until recently, young people had no reason to ever consider annuities. But a new law that allows you to invest in annuities as part … [Read more...]

A Policy With Bark: Should You Purchase Pet Insurance?

If you're the doting owner to one or more furry friends, I don't have to tell you that pet ownership is not inexpensive. Food, toys, boarding and routine vet visits aside, the big bills can really stack up if your four-legged buddy gets sick or injur … [Read more...]

How To Financially Prepare To Quit Your Job

Few moments in life are more exhilarating -- and terrifying -- than the day you quit your job to pursue something else, whether it's your own business, full-time parenting, or a mini-retirement to travel the world. A few months back, we wrote … [Read more...]

How To Improve Your Credit Score, Step By Step

Looking at the financial to-do list I compiled back in January, some long-standing goals are now checked off. I switched CPAs -- hiring a good accountant pays for itself and then some. I found a financial advisor, a first for me. I put together a … [Read more...]

How We Save: Investing In Real Estate On The Side, Even With Two Young Kids

At 31, Fermin Saucedo has his hands full. He’s the father of two young children, so it’s a new game for him financially speaking compared to a few years back. He has to figure out a way to save up for his kids’ education and do his part to support … [Read more...]

Are Certified Pre-Owned Cars Worth The Premium Price?

In a recent post, we talked about why you should (almost) never lease a new car. But let’s say you want a used car. As with new, there are also multiple factors to take into account. You can buy the typical used car, either from a private owner or … [Read more...]

How We Save: Bijan Golkar, 29, Kept College Costs Down And Invested In His Career

Editor's note: This is the first in an ongoing series interviewing regular 20-somethings about their successes and setbacks with money. If you'd like to share your story, please drop us a line. -DW At 29, Bijan Golkar is a Certified Financial … [Read more...]

Why You Should (Almost) Never Lease A Car

We make choices every day beaded on personal preference, whether it’s coffee versus tea or boxers versus briefs. Some financial choices, however, aren’t so clear cut. After all, we can't making spending decisions based on preference alone. If we di … [Read more...]

Want Or Need? How You See This Blurred Line Is (Almost) Everything

With back-to-school time approaching for college and graduate students, an age-old dilemma is rearing its head: what you need versus what you want. We’ve all heard of this duality, but when it comes to forming a deeper understanding, you may be s … [Read more...]