Early Payoff

How to Spot a Financial Scam Targeting Young Adults write this for a graduate student in their 20’s and 30’s

Well, you, my dear reader, perfectly match the description of a scammer’s ideal target. You have a college degree, a smartphone, and ambitions. Your generation has become an obvious target for the scammers. They understand you struggle with student debt and desperately search for an easier way. Frankly speaking, they count on your hope beating […]

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How to Budget for Car Ownership as a Beginner write this for a business man in their 20’s and 30’s

A car is never an asset. A car is a monthly invoice that depreciates while you are sleeping. It happens that there is something attracting everybody. It is a nice looking Audi A4 or BMW 3 series standing in the window of the car dealer. However, if you want to become rich as a young

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How to Finance a Car With Limited Credit write this for a young professional in their 20’s and 30’s

Now you want wheels, but your credit score looks like your GPA in college. I am sorry to tell you this but you are definitely not the only one among youngsters who faces such a financial situation. The first thing that you need to do is accept your current situation. Take your credit report from

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How to Buy Your First Car Without Overpaying write this for a mid level executive in their 20’s and 30’s

Finally you got your corner office, and commuting by bus makes you feel like in hell. It is time to get a car and replace your subway tickets with leather seats. Buying a car is a rite of passage, but the car dealership is no more than a casino where the house always wins. Let

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How to Set a Retirement Goal in Your First Job write this for a new employee in their 20’s and 30’s

This is one of the greatest days when you become a member of a major corporation. You carry bags full of student loans and the feeling of retirement as fairy tale country which will never come. Retirement is something that you talk about after drinking your coffee with your parents. However, you should create the

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How to Understand Vesting at a New Job write this for a graduate student in their 20’s and 30’s

At last, you finally scored this position with a 401(k) match, and now you are ready to make money. Your HR specialist starts speaking in terms which sound strange to you – and one of those terms is vesting. It sounds like something for a horse and probably seems that this term can be easily

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How to Start Saving for Retirement in Your 20s write this for a business man in their 20’s and 30’s

It is not that fun to consider retirement right now when you are busy with your startup. But your future self will appreciate your efforts and all these dollars very much. Now it is time to treat your bank account seriously. Here are some steps you can take to start saving some cash while you

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How to Plan a Trip With Friends on a Budget write this for a young professional in their 20’s and 30’s

It seems that your friends are texting the group chat once again regarding that upcoming trip to Miami. However, you cannot join because your finances will not agree with you on that. Honestly, there is nothing more expensive than the vacation that you can hardly afford. Let us discuss how to make your trip possible

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How to Use Points Before You Have Much Credit write this for a mid level executive in their 20’s and 30’s

You have the corner office view, or at least the cubicle and ergonomic chair, but your credit score is in a troublesome teenage period. It is quite a common paradox in the modern finance industry. You are rich enough to buy a Ferrari, but the bank considers you to ride a bicycle. Credit bureaus do

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How to Report Income From a Part-Time Gig write this for a graduate student in their 20’s and 30’s

Well, so you have secured some side hustle to pay for that avocado toast. Nice work, congratulations on your entrepreneurship. Now it is time to pay taxes and the IRS could not wait for a share of your money. The Reality Check If you have earned more than $400 through freelancing, tutoring, or Uber, you

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