David Weliver

Founder of Money Under 30, David has over 20 years of experience as a personal finance journalist covering credit cards, banking and investing.

How credit card limits work

Credit card limits are simply the amount of credit that is extended to you by a credit card company. Keep your spending under the limit, and know when it’s smart to request an increase.

Gift tax: How much can you gift tax free?

Curious how much you can gift tax free? Gift tax rules allow up to $18,000 annually, per recipient, in 2024, but there’s a lifetime exclusion. Read the details.

Can i cash out my old 401(k) and take the money?

Can you cash out your 401(k) and take the money? Technically, yes. But you should do everything you can to avoid it. Cashing out early will cost you huge in penalties and lost growth over the next few decades.

How to find the best real estate agent

Having the right real estate agent that knows the market you’re probing is a necessity. Thankfully, you can get paired up pretty quickly with the right agent by following a few simple steps: ask for referrals (the right way), find a few more options online, and “interview” your candidates. The best option will be clear to you.

Best personal finance books

After spending nearly 20 years reporting on money for young adults, there are 10 of the best personal finance books to ready early in life.

American Express cards DO have spending limits

If you carry a classic American Express Green, Gold, or Platinum card, or any other credit card that has no pre-set spending limit, you probably know this doesn’t mean your card has no limit at all. So how is your spending limit calculated, and what happens if you hit it? I found out last month.