Starting Out

Get Starting Out by Email for FREE

March 25, 2013

4 Financial Mistakes Our Parents Made and How to Avoid Them

You can learn a thing or four from Mom and Dad… such as how not to handle investing, spending and saving.

See More On: Family Finances | Financial Planning | Saving for Retirement

March 15, 2013

Six Steps to Starting Your Own Business

Looking to be your own boss? Here's how to get started on the right foot as an entrepreneur.

See More On: Small Business

March 11, 2013

Should You Pay Your Bills Automatically?

Stacy says yes; Amanda says no. Here are tips on how to make the strategy work for you — if you want it to.

See More On: Budgeting

January 25, 2013

6 Steps for Renting Your First Home

Know what you really want, and what you truly can afford, before signing the lease.

See More On: Smart Buying

October 22, 2012

Before Moving In Together, Have a Money Talk

Considering living with your significant other? Make sure you’re both on the same page financially before signing on the dotted line.

See More On: Buying & Selling a Home

September 5, 2012

How to Start Your Career Without a College Degree

If attending a four-year college isn't in the cards, you can take advantage of other opportunities for a lucrative career

See More On: Careers

June 29, 2012

Getting Your First Car Loan

First-time borrowers may have better luck getting a loan from a dealer than from a bank.

See More On: Buying & Leasing a Car | Smart Buying

June 19, 2012

9 Tips to Make the Most of Your Internship

The Kiplinger staff offers our best advice for all interns out there hoping to turn their temporary positions into full-time jobs.

See More On: Careers

June 5, 2012

How to Save for Retirement and Higher Education Costs at the Same Time

With an individual retirement account, your savings can work double duty.

See More On: Saving for Retirement | Paying for College

May 29, 2012

Should You Buy or Rent Your Home?

Figuring out the answers to the four questions below will guide you to the right answer to the big question above.

See More On: Buying & Selling a Home

May 18, 2012

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.

See More On: Paying for College

May 8, 2012

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.

See More On: Saving for Retirement | Mutual Funds | Careers

May 1, 2012

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.

See More On: Family Finances

April 26, 2012

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

See More On: Family Finances

April 5, 2012

8 Reasons You Need a Roth IRA Now

This celebrated investment vehicle should be a part of every smart young person's retirement plan.

See More On: Saving for Retirement

March 15, 2012

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.

See More On: Credit Cards

March 2, 2012

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.

See More On: College Rankings | Tax Prep & Filing | Smart Buying

February 16, 2012

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.

See More On: Tax Prep & Filing

February 15, 2012

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.

See More On: Saving for Retirement

February 10, 2012

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.

See More On: Saving Money

February 9, 2012

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.

See More On: Smart Buying | Making Your Money Last

January 31, 2012

6 Strategies to Save More This Year

These tips will help you get started with saving, no matter your income.

See More On: Smart Buying

January 19, 2012

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.

See More On: Saving for Retirement

January 6, 2012

Our Starting Out Kiplinger Creed for 2012

Get ready for a fresh look at personal finance from fresh faces this New Year.

See More On: Family Finances

December 29, 2011

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.

See More On: Careers

December 9, 2011

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.

See More On: Careers

October 24, 2011

10 Great Cities for Young Adults

Twentysomethings will find jobs and friends by starting out in these hotspots.

See More On: Buying & Selling a Home

October 19, 2011

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.

See More On: Health Care & Insurance | Health Care & Insurance

October 18, 2011

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.

See More On: Economic Outlooks | Paying for College

September 30, 2011

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.

See More On: Family Finances

September 22, 2011

5 Ways to Dress for Success on a Budget

Here's how to put together a work-appropriate wardrobe without spending a fortune.

See More On: Technology | Careers

September 19, 2011

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.

See More On: Careers | College Rankings

September 2, 2011

5 Choices for Changing Your Name After Marriage

Since a lot's in a name, make your move wisely.

See More On: Family Finances

August 17, 2011

Investing Lessons for Generation Y

Young investors can learn a lot from the market's recent volatility.

See More On: Stocks & Bonds | Investor Psychology | Markets

May 19, 2011

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.

See More On: Family Finances

April 1, 2011

How to Cash in on Spring Cleaning

Look for these six potential income sources while you spruce up your living space.

See More On: Making Your Money Last

December 23, 2010

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.

See More On: Saving for Retirement | Smart Buying

December 16, 2010

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.

See More On: Banking

October 27, 2010

The New Retirement Realities for Generations X and Y

Here's how to overcome big financial obstacles to help create a path to happy retirement.

See More On: Saving for Retirement

September 13, 2010

A Four-Step Financial Guide to Your 20s

Get on the road to financial success before you reach age 30.

See More On: Making Your Money Last | Paying for College | Saving for Retirement

August 13, 2010

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.

See More On: Careers | Health Care & Insurance | Making Your Money Last

July 23, 2010

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.

See More On: Careers | College Rankings | Buying & Selling a Home

July 2010

How to Choose the Right Job

Forget about salary. Focus on these eight factors to select the job that fits you best.

See More On: Careers

July 2010

Ten Job Hunting Myths

Looking for the perfect job? It probably won't fall in your lap. Search smart by avoiding these common misconceptions.

See More On: Careers | College Rankings

June 24, 2010

7 Ways to Use Social Networking to Land Your Next Job

Facebook and other sites can give you an edge over other candidates.

See More On: Careers | Technology

May 24, 2010

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.

See More On: Credit Reports & Scores

April 14, 2010

5 Steps to Start Investing

Find the fun in investing, and take control of your money.

See More On: Stocks & Bonds | Mutual Funds | ETFs

March 26, 2010

Why You Need a 401(k) Right Away

Start investing now to make the most of the decades you have until your dream retirement.

See More On: Saving for Retirement

February 26, 2010

7 Sneaky Savings Strategies for
Generation Y

Try these tricks to build a better financial future.

See More On: Family Finances

February 11, 2010

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.

See More On: Politics

January 22, 2010

7 Money Confessions and Resolutions for the New Year

Face your financial faults this year.

See More On: Family Finances

December 18, 2009

5 Ways to Spend a Financial Windfall

You’ve come into a small fortune -- great! Now don’t blow it.

See More On: Smart Buying

December 2009

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.

See More On: Family Finances

August 27, 2009

Why You Need Multiple Savings Accounts

This simple budgeting trick takes the stress out of paying your bills and helps you make ends meet.

See More On: Banking

August 13, 2009

Low-Cost Dates That Won't Look Cheap

Ten ways couples can deliver romance on a budget.

See More On: Leisure Spending

July 23, 2009

20 Ways to Waste Your Money

Plug your financial leaks and pocket the savings.

See More On: Saving Money

July 8, 2009

4 Ways for Young Adults to Capitalize on the Recession

If you can, buy low on both stocks and homes.

See More On: Financial Planning

June 25, 2009

Four Financial Rookie Mistakes

When striking out on your own, avoid these common money gaffes.

See More On: Family Finances

June 11, 2009

Your Most Important Baby Gear

Here are four financial items no new parent should go without.

See More On: Smart Buying

May 28, 2009

Soundtrack to Riches

Here's my financial mix tape, chock-full of timeless wisdom and inspiration.

See More On: Financial Planning

May 14, 2009

The Trouble With Budgets

Having a hard time sticking to a budget? Here's why.

See More On: Budgeting

April 28, 2009

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.

See More On: Family Finances

April 2, 2009

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.

See More On: Careers

March 5, 2009

Cut the Cable Cord

Try these sources of free or super-cheap programming and movies, and pocket the savings.

See More On: Technology

February 19, 2009

Savings With a Kick

Still stashing your money at a traditional bank? Don't be a sucker. Learn why savvy savers go online.

See More On: Banking

February 5, 2009

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.

See More On: Budgeting

January 22, 2009

10 Financial Commandments for Your 30s

You know the basics. Now build on that foundation to secure your financial future.

See More On: Saving Money

January 8, 2009

10 Financial Commandments for Your 20s

Just starting out? Set yourself up for a lifetime of money success with these time-tested principles.

See More On: Saving Money

December 18, 2008

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.

See More On: Careers

December 4, 2008

10 Holiday Money Mistakes

You and your wallet will be jollier if you avoid these financial pitfalls.

See More On: Smart Buying

November 13, 2008

12 Things I'm Thankful For

When times get tough, count your financial blessings.

See More On: Saving Money

October 30, 2008

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.

See More On: Home Remodeling & Maintenance

October 15, 2008

Have You Heard the Wake-Up Call?

Mad about the financial crisis? Learn from the nation's mistakes and reevaluate your own money habits.

See More On: Economic Outlooks

October 2, 2008

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.

See More On: Saving Money

September 18, 2008

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.

See More On: Buying & Selling a Home

September 4, 2008

Credit Card Smarts

These seven habits will help you avoid trouble and build a solid credit score from the start.

See More On: Credit Cards

August 28, 2008

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.

See More On: Financial Planning

July 31, 2008

Your Essential Emergency Kit

These nine steps will protect your family and finances against disaster, whether natural or personal.

See More On: Financial Planning

July 10, 2008

When is it Worth Going Into Debt?

What you need to know before you whip out your plastic or fill out a loan application.

See More On: Getting Out of Debt

July 3, 2008

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.

See More On: Financial Planning

June 19, 2008

Young, Prosperous and Frugal

What you can learn from millionaires on a budget.

See More On: Saving Money

June 5, 2008

Budget for Your Peace of Mind

Stressed about money? This simple plan can put you at ease.

See More On: Budgeting

June 2, 2008

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.

See More On: Financial Planning

May 15, 2008

Get More Respect at Work

How to get people to see past your age or gender and notice your merits.

See More On: Careers

April 24, 2008

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.

See More On: Smart Buying

April 9, 2008

Health Insurance for Twentysomethings

When you're dropped by your parents' plan, you can get good, affordable coverage on your own.

See More On: Health Care & Insurance

March 13, 2008

Conquer Your Fear of Investing

Afraid to start investing? Here are five tricks to help you succeed.

See More On: Investor Psychology

February 28, 2008

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.

See More On: Getting Out of Debt

February 14, 2008

Love Your Money. It Will Love You Back

How to build a fulfilling long-term relationship with your finances.

See More On: Investor Psychology

January 24, 2008

Undercover Job Hunting

Ready to move on? Follow these 12 dos and don'ts for job searching discreetly when you're employed.

See More On: Careers

January 17, 2008

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.

See More On: Getting Out of Debt

December 27, 2007

Need Help Meeting Financial Goals? Get a Money Buddy

Involving others in your 2008 goal-setting can boost your odds of success.

See More On: Saving Money

December 13, 2007

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.

See More On: Financial Planning

November 29, 2007

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.

See More On: Careers

November 8, 2007

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.

See More On: Mutual Funds | Stocks & Bonds

October 25, 2007

Exorcise Your Money Demons

Are these six inner devils sabotaging your finances?

See More On: Family Finances

September 20, 2007

Cutting the Financial Umbilical Cord

Still tied to your parents' purse strings? Learn how to take control of your finances with confidence.

See More On: Saving Money

September 6, 2007

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.

See More On: Saving Money

August 23, 2007

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.

See More On: Careers

August 9, 2007

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.

See More On: Credit Cards

July 26, 2007

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.

See More On: Leisure Spending

July 12, 2007

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.

See More On: Financial Planning

June 28, 2007

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.

See More On: Financial Planning

June 14, 2007

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.

See More On: Buying & Selling a Home

May 31, 2007

Flying Solo

Travel alone to experience your destination on your own terms. Plus, see 12 excellent solo vacations.

See More On: Travel

May 17, 2007

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.

See More On: Budgeting

May 3, 2007

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.

See More On: Smart Buying

April 5, 2007

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.

See More On: Smart Buying | Buying & Selling a Home

March 22, 2007

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.

See More On: Saving Money

March 8, 2007

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.

See More On: Roth IRAs

February 8, 2007

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.

See More On: Auto Insurance

January 25, 2007

When You Should Call a Tax Pro

As you get older, your finances get more complicated. Do you need professional help this year?

See More On: Tax Planning

January 11, 2007

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.

See More On: Technology

December 28, 2006

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.

See More On: Saving Money

December 14, 2006

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.

See More On: Careers

November 30, 2006

Nine Ways to Get Ahead

Here's smart financial advice for young adults, from the older and wiser. Some of it may surprise you.

See More On: Careers

November 2, 2006

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.

See More On: Careers

October 19, 2006

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.

See More On: Family Finances

October 5, 2006

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.

See More On: Careers

September 21, 2006

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

See More On: Estate Planning

September 7, 2006

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.

See More On: Careers

August 24, 2006

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.

See More On: Mutual Funds

July 27, 2006

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 sens

See More On: Smart Buying

July 13, 2006

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.

See More On: Careers

June 29, 2006

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.

See More On: Getting Out of Debt

June 1, 2006

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.

See More On: Budgeting

May 18, 2006

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.

See More On: Smart Buying

April 6, 2006

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.

See More On: Smart Buying

March 23, 2006

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.

See More On: Credit Reports & Scores

February 9, 2006

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.

See More On: Saving Money

January 26, 2006

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.

See More On: Tax Planning

January 12, 2006

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.

See More On: Credit Cards

August 11, 2005

Eight Things to Do Before Turning 30

Getting your financial life in order may seem overwhelming, but doing nothing is the biggest mistake. This Kiplinger.com classic from 2005 details the basic steps to get any young adult off on the right foot.

See More On: Financial Planning

July 28, 2005

Give Yourself a Raise

Whether you've been on the job 10 days or 10 years, here are five ways to get more out of your paycheck and boost your effective income right now -- without having to beg your boss for a raise.

See More On: Employee Benefits

June 30, 2005

Seven Steps to Stellar Credit

It's a classic Catch-22: You've got to have credit to get credit. So where do you start? With step one in our seven-step guide to building a strong credit record. Plus: Three rules for boosting your credit score.

See More On: Credit Reports & Scores