Starting Out Archive
The Student Loan Rate Debate
How important is it for Congress to keep rates low on new Stafford loans? Our columnists face off with their answers.
Our Best Personal Finance Advice for New Grads
Take heed of these seven personal finance tips now and have no regrets about your early financial life later.
Our Personal Finance Advice for "Girls"
Do you identify with the characters in HBO's popular new show as they stumble into adulthood and deal with financial challenges? Here's some help -- for the money problems.
How to Establish Financial Independence (with Some Help from Mom and Dad)
If you're lucky enough to have parents helping you financially, be sure their generosity doesn't stop you from becoming independent
8 Reasons You Need a Roth IRA Now
This celebrated investment vehicle should be a part of every smart young person's retirement plan.
Getting Your First Credit Card
Smart credit card usage can help build up your credit score and history, preparing you for bigger financial moves in the future.
Financial Advice in Honor of Dr. Seuss
We don't know if Dr. Seuss had any financial wisdom for 20-somethings. But in honor of his 108th birthday, we summarized our own advice in verse.
Easy Steps for First-Time Taxpayers
Whether it's your very first time or just your first time filing without Mom and Dad's help, we have the basics on filing your 2011 tax returns.
Investing in a Target-Date Fund
Young savers can benefit from holding a target-date fund in a retirement portfolio -- as long as they understand the risks.
20 Cheap Dates That Call for More Thought, Less Money
Be it Valentine's Day or any other day, it's the thought that goes into a date that counts, not the expense.
3 Dating and Money Etiquette Challenges
When it comes to dating and money, is there really a right or wrong way to do things? It depends who you ask.
6 Strategies to Save More This Year
These tips will help you get started with saving, no matter your income.
Why You Need a Roth IRA
With this indispensable savings tool, your money grows tax-free, you can invest in almost anything and you get several cool perks.
Our Starting Out Kiplinger Creed for 2012
Get ready for a fresh look at personal finance from fresh faces this New Year.
6 Tips to Start Your New Job Right
I learned some valuable lessons about how to succeed in the "real world" while starting out at my first full-time job, and you can, too.
Flexibility or Salary: What Do You Value Most at Work?
Members of Generation Y are likely to choose flexibility over higher pay. Our columnists face off about this preference.
10 Great Cities for Young Adults
Twentysomethings will find jobs and friends by starting out in these hotspots.
How to Save Money on Health Insurance When You're Young
Being young, healthy and broke does not mean you should skip paying for health insurance. Stay covered without spending a fortune.
The Problem With Occupy Wall Street
I went to the Occupy D.C. protests hoping to find a movement. Instead, I found people too disorganized and idealistic to actually change the things they criticized.
What Low Interest Rates Mean for Young Spenders and Savers
Here's how today's rock-bottom rates will affect your student loans, home-buying potential, credit cards and savings.
5 Ways to Dress for Success on a Budget
Here's how to put together a work-appropriate wardrobe without spending a fortune.
Great Part-Time Jobs for College Students
Working part-time while you're in school can enhance your financial independence and point you toward career opportunities.
5 Choices for Changing Your Name After Marriage
Since a lot's in a name, make your move wisely.
Investing Lessons for Generation Y
Young investors can learn a lot from the market's recent volatility.
8 Reasons Roommates Fight About Money
Live-in buddies are bound to face some financial tension, but you can keep the peace and a balanced household budget with a roommate agreement.
How to Cash in on Spring Cleaning
Look for these six potential income sources while you spruce up your living space.
Your Financial Resolutions Review for 2010
Before we start 2011, let’s go over how we resolved (or didn’t resolve) our financial faults this past year.
Should You Use Separate or Joint Accounts?
The right answer is up to you and your honey. But you can crib from these couples’ money-management strategies.
The New Retirement Realities for Generations X and Y
We face big financial obstacles on our way to a happy retirement. But we can overcome those challenges by taking control now.
A Four-Step Financial Guide to Your 20s
Get on the road to financial success before you reach age 30.
Quit Your Job the Smart Way
(And Save a Fortune)
Don’t pull a Slater and leave your employer behind with hard feelings or your unused benefits. Here’s a four-point checklist.
6 Questions to Find the Best City for Generation Y
Zone in on the best corner of the world for you by considering your career, costs, and idea of fun.
How to Choose the Right Job
Forget about salary. Focus on these eight factors to select the job that fits you best.
Ten Job Hunting Myths
Looking for the perfect job? It probably won't fall in your lap. Search smart by avoiding these common misconceptions.
7 Ways to Use Social Networking to Land Your Next Job
Facebook and other sites can give you an edge over other candidates.
Boost Your Credit Score in 2 Easy Steps
Once you learn your credit score and commit to improving it, you can make big gains with simple behaviors.
5 Steps to Start Investing
Find the fun in investing, and take control of your money.
Why You Need a 401(k) Right Away
Start investing now to make the most of the decades you have until your dream retirement.
7 Sneaky Savings Strategies for
Generation Y
Try these tricks to build a better financial future.
Money Lessons from Celebrated U.S. Presidents
Give your wallet a rest on Presidents Day weekend, and, instead, adopt just one new money-management discipline among those championed in these famous quotes from our nation’s celebrated leaders.
7 Money Confessions and Resolutions for the New Year
Face your financial faults this year.
5 Ways to Spend a Financial Windfall
You’ve come into a small fortune -- great! Now don’t blow it.
4 Critical Money Questions to Ask Before You Get Married
Start your relationship with these questions to make sure you and your partner are financially compatible.
Why You Need Multiple Savings Accounts
This simple budgeting trick takes the stress out of paying your bills and helps you make ends meet.
Low-Cost Dates That Won't Look Cheap
Ten ways couples can deliver romance on a budget.
20 Ways to Waste Your Money
Plug your financial leaks and pocket the savings.
4 Ways for Young Adults to Capitalize on the Recession
If you can, buy low on both stocks and homes.
Four Financial Rookie Mistakes
When striking out on your own, avoid these common money gaffes.
Your Most Important Baby Gear
Here are four financial items no new parent should go without.
Soundtrack to Riches
Here's my financial mix tape, chock-full of timeless wisdom and inspiration.
The Trouble With Budgets
Having a hard time sticking to a budget? Here's why.
Six Money Mistakes of Newlyweds
Whether you're planning a walk down the aisle this spring or you've already gotten hitched, watch out for these financial pitfalls that can strain even the strongest marriage.
Tough Choices
It can be hard to make a financial decision when you're faced with two options that each look good. We take five common dilemmas and show you how to choose the most financially sound path.
Seven Career Killers
You worked hard to get the education, the skills and now the job. Don't let these mistakes sabotage your climb up the career ladder.
Cut the Cable Cord
Try these sources of free or super-cheap programming and movies, and pocket the savings.
Savings With a Kick
Still stashing your money at a traditional bank? Don't be a sucker. Learn why savvy savers go online.
Procrastination Doesn't Pay
Waiting for the next stage in your life to get serious about your finances? You're wasting time and money. Here are seven tips to help you get going now.
10 Financial Commandments for Your 30s
You know the basics. Now build on that foundation to secure your financial future.
10 Financial Commandments for Your 20s
Just starting out? Set yourself up for a lifetime of money success with these time-tested principles.
8 Ways to Boost Your Income
You've cut your spending and you're still coming up short. Try these tips to bring in more cash.
10 Holiday Money Mistakes
You and your wallet will be jollier if you avoid these financial pitfalls.
12 Things I'm Thankful For
When times get tough, count your financial blessings.
First-Time Homeowner Lessons Learned
In one year since buying our fixer-upper, we've discovered a lot about ourselves and our finances. Here are seven valuable lessons for any new homeowner.
Have You Heard the Wake-Up Call?
Mad about the financial crisis? Learn from the nation's mistakes and reevaluate your own money habits.
Find $1,000 by the Holidays
Try these simple ways to save for the next two months and you could avoid debt this holiday season.
Guide to Apartment Dwelling
Don't let your new place become a financial nightmare. Here are eight tips to help you get the most out of your rental -- and your money.
Credit Card Smarts
These seven habits will help you avoid trouble and build a solid credit score from the start.
Five Financial Flubs of New Parents
Expecting a new baby? We help you avoid five pitfalls that can harm the financial well-being of your new family.
Your Essential Emergency Kit
These nine steps will protect your family and finances against disaster, whether natural or personal.
When is it Worth Going Into Debt?
What you need to know before you whip out your plastic or fill out a loan application.
The Quarter-Life Retirement Plan
You just started working, but it's never too early to dream about when you can quit -- for good. Here's your guide to making it happen.
Young, Prosperous and Frugal
What you can learn from millionaires on a budget.
Budget for Your Peace of Mind
Stressed about money? This simple plan can put you at ease.
Ten Questions to Ask Before Saying 'I Do'
Planning a trip down the aisle? Make a date to discuss your financial future first. Here are ten questions every couple should cover before tying the knot.
Six Steps to Starting Your Own Business
Young entrepreneurs have to work hard to overcome inexperience and gain credibility. Follow these tips to increase your odds of success.
Get More Respect at Work
How to get people to see past your age or gender and notice your merits.
Gifts to Give Grads a Head Start
Forget the pen set. We have valuable ideas that'll get grads started on the right foot financially.
Health Insurance for Twentysomethings
When you're dropped by your parents' plan, you can get good, affordable coverage on your own.
Recession-Proof Careers
These five fields offer job stability in any economy. Plus, learn how to recession-proof your career, whatever your industry.
Conquer Your Fear of Investing
Afraid to start investing? Here are five tricks to help you succeed.
Lessons I've Learned From Being Broke
Years of struggling to get ahead have been a blessing in disguise. Here are six principles to a fulfilling financial life no matter how little you have.
Love Your Money. It Will Love You Back
How to build a fulfilling long-term relationship with your finances.
Undercover Job Hunting
Ready to move on? Follow these 12 dos and don'ts for job searching discreetly when you're employed.
The Cure For Your Debt Hangover
Party's over and the bills come due this month. Follow this formula to pay off your credit cards and nurse your finances back to health.
Need Help Meeting Financial Goals? Get a Money Buddy
Involving others in your 2008 goal-setting can boost your odds of success.
Three Simple Steps to Financial Security
Financial planning doesn't have to be complicated. This easy-to-follow strategy will help you meet your needs today and tomorrow.
Six Ways to Make the Most of Your Job
With the right moves, even a menial job could be a springboard to the position of your dreams.
Behold the Miracle of Compounding
When you're young, you have an asset money can't buy: TIME. Start saving now and turn pocket change into riches.
Exorcise Your Money Demons
Are these six inner devils sabotaging your finances?
Why You'll Love Your 401(k)
Looking for a partner in wealth? Here are five reasons to hook up with your 401(k) at work right now during open enrollment.
Cutting the Financial Umbilical Cord
Still tied to your parents' purse strings? Learn how to take control of your finances with confidence.
Five Great Money Books for Young Adults
These easy-to-understand books will give you a solid grasp of personal finance -- with a healthy dose of kick-in-the-pants inspiration.
Get Ahead in a Starter City
It's nearly impossible to get ahead financially while living in certain metropolitan hotspots. Get your footing in an affordable location instead.
Just Say No to Credit Cards
Too many college students are addicted to plastic. Here's why you should ignore the credit card solicitations -- for now.
Entertainment for Less
Just because you're broke doesn't mean you can't go out. These six strategies will help you snag discount -- or even free -- admission to concerts, plays, sports matches or other events.
30-Minute Investing Start-Up Kit
In the time it takes you to watch your favorite sitcom, you can jumpstart your financial future. We give you the step-by-step specifics you need to get started investing right now.
Put Your Finances on Autopilot
Keeping track of your money can be a daunting task. We show you six ways to set-and-forget your daily finances.
How to Have a Smooth Move
Can't afford a full-service mover? Learn ten ways to save money -- and your sanity -- when moving yourself.
Flying Solo
Travel alone to experience your destination on your own terms. Plus, see 12 excellent solo vacations.
Life as a Boomerang Kid
More young adults are returning to the nest. Is it the right move for you? We show you how to make the arrangement work for everyone involved.
Avoid Overspending on Wedding Gifts
When your friends start walking down the aisle, the bills for wedding gifts can really add up. But you can keep costs to a minimum with our tried-and-true advice.
Cost-of-Living Reality Check
Heading out into the real world? Don't walk blindly. We show you how much life's expenses typically cost to help you anticipate your finances and build a budget.
Yes, You Can Live Rent-Free
Are housing costs busting your budget? We've got five ways you can find a free or discounted place to live -- and land a much nicer pad than you could traditionally afford. Really.
Ride a Roth to Riches
You don't need to work hard to make a million bucks. Invest in a Roth IRA, and let the power of tax-sheltered compound interest do all the work for you.
Why Your Credit Score Matters
A mediocre or nonexistent credit history could cost you hundreds or thousands of dollars. Learn the secrets to build a stellar score while you're young.
Paying Too Much for Car Insurance?
Shop around. Young adults can save hundreds of dollars as they move out of the age-penalty box, get married, start a career or build a credit history.
When You Should Call a Tax Pro
As you get older, your finances get more complicated. Do you need professional help this year?
What to Do With Your High-Tech Has-Beens
Get a new computer, cell phone or other electronic gift? Don't trash your old one. You can use it to get cash back, a tax deduction or better karma.
Want to Get Rich? Get in Shape
The healthier you are, the wealthier you likely will become. Really. Here are five strategies to achieve both physical and financial fitness.
Young and Restless for Success
Don't get jealous of peers who seem to be better off than you. Get a plan and stick to it.
Nine Ways to Get Ahead
Here's smart financial advice for young adults, from the older and wiser. Some of it may surprise you.
25 Great Gifts for $25 or Less
You don't need to spend a fortune to give a great present this holiday season. We've got plenty of ideas that will keep your friends, family and wallet happy -- without making you look like Scrooge.
Five Steps to Negotiating a Raise
Forget about brown nosing and sucking up. When it comes to asking your boss for more money, all you need is good timing and the right preparation.
Ten Financial Tricks and Treats
Are your finances looking a bit scary? Trick yourself into money success with these strategies -- and enjoy the sweet rewards.
Make the Most of Your Job Benefits
Now is the perfect time to take a fresh look at your benefits to make sure you're not missing out on free money and other sweet perks.
Wills for the Young, Single or Broke
Even if you aren't rich and don't have children or a spouse, you still need to spell out your wishes in case you die or can't make medical decisions for yourself. Plus, we help you decide whether to write your will on your own or if you need to hire a lawyer.
Top Ten Hottest Jobs
Not sure what to major in? Undecided about your career path? Consider a job in one of these fastest-growing fields. Not only are they in high demand, but they pay well, too.
A Beginning Investor's Best Friend
Have you been putting off investing because you don't know where to start? Say hello to our pal the mutual fund. We show you all there is to love about this simple investment and suggest three good funds that'll let you in for $50.
Freshman Finance 101
If you're heading for campus this fall -- or you know someone who is -- check out these ten things all new college students should know about making smart financial choices.
How to Know When You're Ready to Buy
With home prices cooling off and apartment rents heating up, is now the time to buy your own place? Whether you just got your first apartment or you're looking to get out of a long-term rental, we show you eight tell-tale signs for when it makes sense financially to purchase your first home.
Should You Work for Uncle Sam?
Don't overlook the nation's biggest employer in your job search. The pay may be more competitive than you think, and Uncle Sam offers security and benefits that are hard to come by elsewhere. Find out if you're cut out for public service.
Lower Your Debt Right Now
When you're mired in debt, the prospect of paying it off can be downright discouraging. Use these seven simple tricks to trim thousands of dollars from your credit cards and student loans in a matter of minutes.
Money Matters Between Friends
You share your intimate secrets with each other, so why is discussing money taboo? We show you how to keep your friendship in tact when one of you has money, and one of you doesn't.
Seven Sins of First-Time Renters
Ready to get your own place? Whether you're moving out of the dorms, taking a summer internship or starting a new job, take care to avoid these costly mistakes.
Six Money Mistakes of Newlyweds
Whether you're planning a walk down the aisle this spring or you've already gotten hitched, watch out for these financial pitfalls that can strain even the strongest marriage.
Five Money Rules for Moving in Together
Before you and your significant other make the leap to live together, take these steps to protect your finances just in case things don't work out.
Time for a Credit Report Checkup
Do you know what your credit history is saying about you? If you haven't checked this crucial financial record within the past 12 months, it's time to make sure things are in tip-top shape. We show you what to look for and how to fix costly errors.
Build Your Financial Foundation
You have so many demands on your budget, but constructing an emergency stash of cash should be a top priority. We show you three strategies to fund your savings and identify the best places to house your money.
Taxes for Newbies
Filing for the first time on your own? Relax. We show you what forms and documents you need, explain the terms you need to know and dish out tips to make sure you don't overpay Uncle Sam. Plus, how to know if you need professional help.
Time to Tackle Credit Card Bills
If you charged your way through the holidays, brace yourself for the mounting bills this month and new federal guidelines that could double your minimum payment. Follow these five steps to get your finances back on track.
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