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STARTING OUT

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FINANCIAL ADVICE FOR YOUR 20s & 30s

STARTING OUT
What you can learn from millionaires on a budget.
 
STARTING OUT
Budget for Your Peace of Mind
Stressed about money? This simple plan can put you at ease.
 
YOUR MONEY
Why You Need an Emergency Fund
Stop making excuses and start setting aside money for a rainy day.
 
RETIREMENT
Raiding Your 401(k)
In a financial pinch? It's easier than ever to remove money -- but it's still a bad idea.
 
RETIREMENT SAVINGS
How to Choose the Right 401(k)
Roth or traditional? A bit of both saves taxes now and later.
 
STARTING OUT
Conquer Your Fear of Investing
Afraid to start investing? Here are five tricks to help you succeed.
 
ARCHIVES
A new law lends a helping hand to teachers and other public servants. Find out what it takes to qualify and how to apply.
With the proper mix, your combined investments will be less risky and tailored to meet your goals.
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.
Seven-figure savings strategies for twenty-somethings who are just starting out.
Involving others in your 2008 goal-setting can boost your odds of success.
Smart things to do now to get your finances on track for 2008.
Financial planning doesn't have to be complicated. This easy-to-follow strategy will help you meet your needs today and tomorrow.
Attending college is an economic decision as well as an educational one. Find the right balance to get the best schooling without breaking the bank.
Real-world advice on how to hold down student loan expenses.
When you're young, you have an asset money can't buy: TIME. Start saving now and turn pocket change into riches.
MONEY: KNOW THE LINGO
401(k): An employer-sponsored retirement plan that permits employees to contribute part of their pay into the plan before income taxes are applied.

Roth IRA: A tax-sheltered account ideal for retirement investing because it permits investment earnings to accumulate tax free.

Emergency fund: Three- to six-months worth of money saved to cover expenses in case of an emergency.

Down payment: The portion of a mortgage paid by the buyer at the time of closing on the property -- 20% is typical.

Closing costs: The expenses a buyer and a seller incur in order to complete a real estate transaction. Closing costs do not include the price of the property.
Kiplinger's Personal Finance magazine is the most trust-worthy source of information available today on savings and investments, taxes, money management, home-ownership and many other personal finance topics.
KF
KIPLINGER'S MONEY POLL
What has thrown the biggest wrench in your budget?
High gas prices
High food prices
Increasing debt and bills
A frozen home-equity line of credit
None of the above
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