Posts for Money Under 30


Roth 401ks vs. Traditional 401ks

From Money Under 30
May 15, 2012 at 12:22 pm
Last week, we asked: 401k or IRA? So the obvious follow-up is: Roth or traditional? If you read that and say, “huh?” Don’t feel bad. Despite hundreds of articles I’ve read ... (more)

The Consequences of Walking Away From a Mortgage

From Money Under 30
May 11, 2012 at 8:31 am
I hope this post doesn’t apply to you. That is, I hope you’re not in—or at risk of—foreclosure. We all know there are still a lot of foreclosures out there. As ... (more)

401(k) or IRA?

From Money Under 30
May 8, 2012 at 2:40 pm
Decoding retirement savings is as thrilling as an all-day cram session for a standardized test. I get that. But just like that grad school exam, your future depends on it. A few ... (more)

Best Credit Card Rates

From Money Under 30
May 2, 2012 at 10:09 am
As a service to readers, this new feature will be updated weekly with up-to-date best credit card rates. Know of a great credit card rate that we haven’t included? Send us ... (more)

How To Save When You Were Born To Spend

From Money Under 30
April 30, 2012 at 10:07 am
Are you a Natural Born Spender or Natural Born Saver? Believe it or not, research suggests that—Spender or Saver—you may really be born that way. So if you want to ... (more)

Green Investing: How Your Investments Can Help The Earth

From Money Under 30
April 23, 2012 at 11:50 am
Earth Day is an annual reminder of things we can do as individuals to help preserve our habitat and the resources that sustain us. When we think about living green, recycling, ... (more)

What I Learned From Buying My First Home

From Money Under 30
April 18, 2012 at 9:20 am
A few weeks ago, I closed on my first home. (Two months ago, I didn’t even know what closing on a home really meant…that’s how fast this all happened!) Still, we’ve ... (more)

10 Astonishingly Common Misconceptions About Money

From Money Under 30
April 10, 2012 at 12:38 pm
Lots of people have some pretty big misconceptions about money. Some of these are perpetuated by financial media. Many of them are dangerous. Are you guilty of any of these? If ... (more)

Why We Got a Target Red Card

From Money Under 30
April 4, 2012 at 12:26 pm
Perhaps you’ve heard this advice before: Store credit cards are evil! When the clerk at The Gap asks you “Do you want to save 10% today by opening up a credit card with us? ... (more)

The Real Cost Of Having a Baby

From Money Under 30
March 28, 2012 at 12:38 pm
For many of you, crying babies and babbling toddlers are the last things on your mind. If you’re like I was “before child”, when you see a family with a gaggle of ... (more)

Q&A: I’m Financing A Car; Should I Make A Down Payment Or Pay Off Other Debt?

From Money Under 30
March 23, 2012 at 9:14 am
Occasionally I publish answers to selected readers’ money questions. I welcome your opinion in the comments. Send questions to david@moneyunder30.com. Q: I am in the process ... (more)

Should You Move For A Job?

From Money Under 30
March 20, 2012 at 9:44 am
The New York Times has called us “The Go-Nowhere Generation.” The reason? Lots of us are choosing not to venture far from home. We’re not crossing state lines to find work—even ... (more)

Should You Ever Pay a Credit Card Annual Fee?

From Money Under 30
March 15, 2012 at 4:05 pm
A lot of other personal finance nerds call people who pay an annual fee on a credit card “stupid”. I don’t agree. Credit cards with annual fees are not necessarily ... (more)

How To Get A Mortgage For A Rental Property

From Money Under 30
March 14, 2012 at 7:00 am
Editor’s Note: Arthur Garcia is a friend of mine and a successful real estate investor. He’s previously written for Money Under 30 about buying his first piece of investment ... (more)

Should You Invest In Real Estate?

From Money Under 30
March 13, 2012 at 8:41 am
Editor’s Note: Yesterday Sarah gave us some ways to help you figure out if you’re ready to buy a home. But what if you’re pondering buying real estate not as ... (more)

Is It Your Time To Buy A House? Four Questions To Ask Yourself

From Money Under 30
March 12, 2012 at 11:55 am
Editor’s Note:  Many of you write in asking if you’re ready to buy a home. Others have asked if rental real estate makes a good investment, which we will get into in two upcoming ... (more)

Should You Invest In Real Estate?

From Money Under 30
March 6, 2012 at 10:00 am
Editor’s Note: Yesterday Sarah gave us some ways to help you figure out if you’re ready to buy a home. But what if you’re pondering buying real estate not as ... (more)

Are You Ready to Buy a Home?

From Money Under 30
March 5, 2012 at 10:00 am
Editor’s Note: I’m on vacation this week and running posts by others. Many of you write in asking if you’re ready to buy a home. Others have asked if rental real ... (more)

Q&A: Should I Take Out Another Student Loan For My PhD?

From Money Under 30
March 2, 2012 at 1:03 pm
Occasionally I publish answers to select readers’ money questions. I welcome your opinion in the comments. Send questions to david@moneyunder30.com. Q: I am 27, married, and ... (more)

How To Negotiate Anything (Even If You’re Shy Or Afraid)

From Money Under 30
February 29, 2012 at 8:19 am
If I were selling a tool you could use to earn more money, pay less for things you buy, and get your way more often, would you be interested? I hope so. Fortunately, I’m not ... (more)

Charge Cards: A Smart Alternative to Credit (And Debit) Cards

From Money Under 30
February 25, 2012 at 7:05 pm
For many years, I used an American Express charge card—not a debit card, credit card, or cash—for 95 percent of my purchases. Today, my wife still uses an Amex Premier Rewards ... (more)

Q&A: I’ve Maxed Out My 401(k); Where Should I Invest Next?

From Money Under 30
February 24, 2012 at 8:00 am
Occasionally I publish answers to select readers’ money questions. I welcome your opinion in the comments. Send questions to david@moneyunder30.com. I can’t get to them all ... (more)

Special Tax Situations: Audits, Extensions, Payment Plans, and Quarterly Payments

From Money Under 30
February 23, 2012 at 9:25 am
Editor’s Note: This is the last in our six-part No-Stress Guide to Filing Your Taxes. You can start at the beginning with Part 1: Your Tax Document Checklist. For most taxpayers, ... (more)

Need a Tax Break? Here’s a List

From Money Under 30
February 18, 2012 at 9:00 am
Everybody wants some tax breaks…or a few more. When it comes to taxes these breaks—credits, adjustments, and deductions—are always your friend. They’ll lower ... (more)

5 Big Car Buying Mistakes

From Money Under 30
February 14, 2012 at 12:55 pm
Last Saturday I was out to dinner at one of those Japanese Hibachi places. Over a scorpion bowl, I was talking to a friend who works as a sales manager at a luxury car dealership. ... (more)