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Personal Finance

Staying on top of your personal finances is easier said than done. Expand your financial education by learning more about budgeting, debt management, personal financial planning, college funding, career changes, inflation, tax deductions, wills, estate planning, divorce finances and much more.
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Man researching types of payroll deductions at home over coffee

Types of Payroll Deductions & Withholdings

Here are some of the common payroll deductions and how they can affect your take-home pay.
Personal Finance
A woman tracks her latest purchase on her smartphone in a boutique: money-saving strategy

Money-Saving Strategy: The 30-Day Track Everything Challenge

This money-saving strategy could be a useful way to gain a deeper understanding of your spending habits, which may help you get on track financially.
Personal Finance
Multiple generations sitting on a couch discussing estate tax vs. inheritance tax

What's the Difference Between Estate Tax vs. Inheritance Tax?

Did you know that there is a big difference between estate tax and inheritance tax? Here's some information on both types of taxes.
Personal Finance
Family opening financial gifts on Christmas

Financial Gifts to Consider Giving

Financial gifts don't always have to be in the form of cash. Here are some ideas to consider.
Personal Finance
Family at dinner discussing new years financial resolutions

5 New Year's Financial Resolutions

As the year comes to a close, now is the time to start thinking about your New Year's financial resolutions.
Personal Finance
Man standing in a mall holding gift backs while holiday shopping on a budget

5 Considerations When Holiday Shopping on a Budget

From doing a potluck holiday party to paring down your list, here are some ways to potentially cut down on spending when shopping for the holidays.
Personal Finance
Senior couple laughing together in front of their home after renting out their house

Renting Out Your House: What to Consider Before Pursuing This Revenue Stream

From the costs of getting started to the effect on your mortgage, taxes and insurance, consider these implications before renting out your home.
Personal Finance
Woman shopping for groceries in order to save money on a tight budget

10 Ways to Save Money on a Tight Budget

Finding room in your budget for savings can be challenging. Here are 10 tips to help you save money even when money is tight.
Personal Finance
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Can Supporting Adult Children Hurt Your Retirement?

Supporting adult children is a generous and loving gesture, but you may want to consider how it could affect your retirement.
Personal Finance
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How to Save for a Wedding: Helping Your Child Pay for the Big Day

Even if your child's wedding bells are many years away, it may be a good idea to plan ahead if you want to help pay for the happy day. 
Personal Finance
College student and mom standing at car hugging after talking about refinancing student loans

Refinancing Student Loans: 5 Things to Consider

Refinancing student loans can help make repayment more affordable, but might not be the right choice for everyone.
Personal Finance
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Take Control of Your Finances With Our Financial Planning Checklist

Have you thought about your personal finances lately? Our financial planning checklist can help get you started on what to think about and specific steps you could take to help get your finances under control.
Personal Finance
family inside of first home they bought after exploring these types of tax benefits

Exploring the Types of Tax Benefits Available at Each Life Stage

Different types of tax benefits become available to you at major life stages and may help you save money.
Personal Finance
Portrait of senior man on the bridge, looking thoughtfully and thinking about declaring bankruptcy

What Is the Process for Declaring Bankruptcy?

Here is some information on the process for filing for bankruptcy, and its potential impact on your finances.
Personal Finance
Retired man playing guitar for his wife: paying off debt before retirement

Paying Off Debt Before Retirement: What to Consider Getting Off Your Financial Plate

Your retirement years should be a time to relax and enjoy life rather than worry about paying off debt. Here's what to consider before you retire.
Personal Finance
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How Much Does It Cost to Raise a Kid ?

Here's a breakdown of the costs you can potentially expect when raising a child.
Personal Finance
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Estate Planning 101: The Basics

Are you unsure where to start with your estate plan, or why you need one? Here are some things to consider.
Personal Finance
Senior woman holding her dog in a garden while estate planning for pets

Estate Planning for Pets

What should pet parents know about estate planning for their pets?
Personal Finance
Man drinking coffee in a robe in his hotel room, enjoying a financial windfall during a vacation

What to Do When You Receive a Financial Windfall

Considering some of the implications of a sudden influx of cash can help you spend or invest it wisely.
Personal Finance
Back-to-school scene with mother saying goodbye to daughter on the first day of classes

Simplifying Back-to-School Shopping & Your Summer Budget

Back-to-school shopping already looming? Check out these budget tips for dealing with fall-semester must-haves. 
Personal Finance
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What Is a Will? Why It's Important & Where to Start

A will is a document stating a person's final wishes for their money, their property and people in their care. Legal wills must follow certain rules.
Personal Finance
mother standing with son and daughter discussing leaving home

Children Leaving Home: Helping Your Kids Prepare to Move Out & Be Financially Secure

If you need to have a conversation with your child about moving out, here are some tips to guide you and help you set them up for success.
Personal Finance
teens baking in the kitchen discussing money management

Money Management for Teens: Important Lessons to Teach Your Kids

Teaching your teen about money management now, when there's more room to learn from mistakes, could help set them up for financial success. 
Personal Finance
Woman standing in front of a tree and thinking about starting a rainy day fund

What Is a Rainy Day Fund?

How does a rainy day fund differ from an emergency fund and how you can you start saving for one? Here are the basics.
Personal Finance
Mother and teenage daughter reviewing their saving for college options on a computer

What Can You Do With Unused 529 Funds?

Understanding alternative uses for a 529 plan can help you avoid penalties and taxes on any unused or surplus funds.
Personal Finance
Adult children having the "aging parents and finances" talk with their parents over dinner

Aging Parents & Finances: Having the Retirement Conversation

A few small conversations now can make a big difference as you help your parents transition into retirement.
Personal Finance
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Personal Financial Planning: The Importance of Reviewing Your Finances Regularly

Your personal financial planning can greatly benefit from regular reviews. Here's how to get started.
Personal Finance
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Just Got a Raise? Here Are 5 Goals to Put It Toward

You might be excited to spend the extra cash you just received from a raise — but consider putting it toward a specific financial goal instead. 
Personal Finance
Smiling older couple calculating their tax deductions while filing their taxes from home

Understanding the Role of Tax Deductions

What is adjusted gross income? And what does it mean to itemize? We cover basics of income tax deductions.
Personal Finance
Nurse aiding a senior woman who uses the benefits of long-term care insurance to cover care fees

Benefits of Long-Term Care Insurance & Other Ways to Pay for Your Care

Long-term care can be quite expensive, but there are many ways to help pay. Here's a rundown of some of the options. 
Personal Finance
Woman drinking coffee and looking out of her window after conducting a personal finance review

How to Conduct an End-of-Year Personal Finance Review

A personal finance review can give you insight into your financial performance over the year — and help prepare you for the start of the next one.
Personal Finance
group of students who know how to reduce student loan debt by graduating on time and within budget

How to Reduce Student Loan Debt & Graduate in Four Years

Careful budgeting and filling your course load are just two of many ways to help you graduate on time and potentially reduce your student loan debt.
Personal Finance
A happy family celebrating a daughter's graduation after using all of their college funding options.

College Funding Options: Federal vs. Private College Loans

Many college students — and their parents — choose loans to help fund their higher education. But what about choosing between Federal and private?
Personal Finance
A happy man filing his taxes on a laptop

How to Help Prevent Tax Identity Theft & What to Do If You're Affected

This article defines tax identity theft, and offers tips on how to help avoid it and how to respond if it happens. 
Personal Finance
Happy father sending his son to college thanks to attainable college funding options

College Funding Options: Alternatives to Student Loans

A well-rounded college funding plan can help reduce loan debt for your child after graduation. Here are some available tools to consider.
Personal Finance
Pregnant mother doing yoga with her son on the lawn after budgeting for a second child

Budgeting for a Second Child & Beyond

Consider these tips when you're ready for a new addition to your family — whether it's your second, third or beyond!
Personal Finance
husband and daughter of older woman in hospital all discuss planning a funeral service ahead of time

Planning a Funeral Service for a Loved One: Memorial, Graveside or Veteran's Service

Planning a funeral service for a loved one involves choosing the type of service — and can underscore the importance of final arrangements.
Personal Finance
financial advisor explains the impact of inflation on savings and investments to a young couple

The Impact of Inflation on Your Savings & Investments

Understanding how market forces can influence your assets is the first step toward protecting yourself against potential adverse effects.
Personal Finance
two young women buy clothes with credit card and know the importance of establishing good credit

Establishing Good Credit When You're Young

Building good credit can help save you money throughout your lifetime. Here are some ways to get a healthy start in your twenties.
Personal Finance
mother comforts young daughter and considers a financial planning checklist as they grieve loss of father

Financial Planning Checklist: What to Consider After the Loss of a Spouse

There are steps you could take to help keep your finances on track after the loss of a spouse, which could help you cope during this difficult time.
Personal Finance
happy mother, father, son and daughter discuss managing family finances on the couch at home

Managing Family Finances: Getting Your Spouse & Children on Board

Do you or your partner manage the majority of your family finances? Here's why clear, balanced roles matter, and how to start talking about them.
Personal Finance
happy mother at home holds her child she adopted with financial help from the adoption tax credit

The Adoption Tax Credit & Other Benefits for the Adoption Process

Adoption can be costly — but that doesn't have to stop your parenting plans. Here are some tips to maximize the available benefits.
Personal Finance
middle-aged couple speaks to real estate agent about pros and cons of selling versus renting their home

Selling vs. Renting Your Home: Pros & Cons to Consider

As a homeowner, it can be challenging to decide between selling your home or renting it out. Explore the pros and cons of both options.
Personal Finance
young couple carries a sofa into the living room of their new house as they discuss managing debt

Managing Debt: The Good, the Bad & How It Fits In With Your Goals

As it turns out, not all debt is bad. But how do you know the difference? Here are some tips.
Personal Finance
male college student sits on a couch at home and uses tablet computer for managing student loan debt

Managing Student Loan Debt to Keep It From Managing You

Student loan debt can seem like an insurmountable barrier — but it doesn't have to be. Here are some tips to help you manage this debt effectively.
Personal Finance
four smiling college students on campus discuss common financial problems and money management

5 Common Financial Problems for College Students & How You Could Avoid Them

As a college student, do you know the fundamentals of smart money management? Learn how you could avoid some of the most common financial missteps.
Personal Finance
circle of people holding hands raised in the air to celebrate all people living with a disability

Living With a Disability & Living Life to the Fullest

Whether you are born with a disability or acquire it later in life, there are many ways to live (and thrive) with a disability.
Personal Finance
mature man with cane plays chess with male caregiver and reflects on costs of long-term care

Cost of Long-Term Care: Planning for an Uncertain Tomorrow

While no one can predict future long-term care needs, there are still steps you could take to help prepare for an uncertain tomorrow.
Personal Finance
volunteers take donations on a sunny day in a park and discuss financial advantages of a charitable trust

What Is a Charitable Trust?

Learn how charitable trusts work and find out how they could allow you to provide for your beneficiaries and charitable causes alike.
Personal Finance
father plays with his son outside in fall and plans a financial checklist for his single-parent finances

Single-Parent Finances: A Financial Checklist for Moms & Dads

As a single parent, chances are you have many concerns running through your mind all day long — but your finances don't have to add to your worries.
Personal Finance
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Which Life Stage Are You Preparing for Financially?

Life stage planning is important — discover the different life stages and what financial strategies to consider as you go through each life stage.
Personal Finance
married couple in their 60s reviews finances on their laptop at home and discusses budgeting tips

Back to Basics: Budgeting Tips for Your 60s

As someone in your 60s, you may feel like a money expert — but financial needs often change with every life stage. Consider going back to the basics.
Personal Finance
young girl outside kisses her mother, who cares for her daughter with special needs planning

Special Needs Planning: How to Financially Protect Your Loved One

Learn how you could financially protect your special needs relative — and why now could be a good time to start planning for tomorrow.
Personal Finance
young female caregiver speaks with retired married couple in their home about assisted living costs

Do You Know How Much Assisted Living Costs?

With assisted living costs on the rise, it's more important than ever to be proactive. Learn more about assisted living costs and payment options.
Personal Finance
multigenerational family has fun together at home as sandwich generation cares for parents and kids

The Sandwich Generation: A Financial Survival Guide

Are you "sandwiched" between caring for your children and aging parents? Our financial survival guide could help you explore your options.
Personal Finance
Couple walking through park empty nester consider shaking up your financial plan

Empty Nester? Consider Shaking Up Your Financial Plan

Your children have left home — welcome to your new life as an empty nester! It might be time to shake up your financial plan.
Personal Finance
mother hugs her two young children outside and thinks about finances after the loss of a loved one

How to Handle Your Finances After the Loss of a Loved One

Learn how you could manage your finances after the loss of a spouse. This knowledge could help you move forward with courage.
Personal Finance
mature bride and groom smile on their wedding day, thankful to receive second marriage financial advice

Second Marriage Financial Advice: Considerations Before Tying the Knot Again

Are you heading down the aisle a second time? It might be a good idea to consider your finances, including prenuptial agreements and more.
Personal Finance
grandparents embrace their young grandson and granddaughter at home and think about inheritance

How an Inheritance Could Lend Your Grandchildren a Helping Hand

Every grandparent wants to give their grandchildren the world. While that may not be possible, you could lend them a helping hand. Learn how.
Personal Finance
single female at home reviewing her divorce finances

Divorce Finances: How to Help Secure Your Financial Future

Money may be a top concern if you are going through a divorce, but there are things you could do to help secure your financial future.
Personal Finance
Couple discussing finances how tackle credit card debt greater financial health

How to Tackle Credit Card Debt for Greater Financial Health

Getting out of credit card debt can take some effort, but it's possible. Here are some tips that could help you reach greater financial health.
Personal Finance
adult daughter talks with her aging mother outside on a sunny day about family financial planning

Family Financial Planning: Having the Money Talk With Aging Parents

It can be difficult to bring up money matters with aging parents, but it's also important. Here are some tips for family financial planning.
Personal Finance
Couple viewing home with agent will you hire a real estate agent

Will You Hire a Real Estate Agent?

You've likely thought about your dream home — but have you given any consideration to your dream real estate agent?
Personal Finance
Family eating outside estate planning for parents how I helped my parents with their legacy

Estate Planning for Parents: How I Helped My Parents With Their Legacy

Estate planning for parents is a touchy — but important — subject. Here's how one woman helped her parents plan for tomorrow.
Personal Finance
New mom holding baby kitchen 5 financial mistakes new parents make and how to avoid them

5 Financial Mistakes New Parents May Make & How to Avoid Them

New parents are often faced with a wide array of concerns, but financial mistakes don't have to add to their list of worries.
Personal Finance
two women drink coffee at a café and discuss why buying long-term care insurance in your 20s makes sense

Why I Bought Long-Term Care Insurance in My 20s

Long-term care insurance is not a pressing concern for most 20-somethings. Learn why one woman chose to purchase a policy in her late 20s.
Personal Finance
woman practices yoga pose outside as stress reduction to improve her long-term health

5 Stress Reduction Strategies for Improved Long-Term Health

For many people, modern life is full of stress. So, how can you keep that stress from impacting your health? Here are five common strategies.
Personal Finance
bride and groom smile at each other as they walk down the aisle and reflect on marriage and finances

Marriage & Finances: Will You Merge Your Money After Saying 'I Do'?

First comes love. Then comes the "money talk." Learn how to tie your finances together after tying the knot.
Personal Finance
man surprises woman with engagement ring and plans financial conversations to have before marriage

5 Financial Conversations to Have Before Marriage

Here are five of the most important financial conversations to have before tying the knot — from discussing debt to setting a joint budget.
Personal Finance
man in wheelchair asks caretaker daughter in a courtyard: what does critical illness insurance cover?

What Does Critical Illness Insurance Cover?

No one can predict the future, but you can plan for the uncertainties of tomorrow. Critical illness insurance could help — but what does it cover?
Personal Finance
Family with newborn baby budgeting for a baby

Budgeting for a Baby: A Financial Planning Checklist for New Parents

Are you expecting the stork to pay you a visit sometime soon? Learn how you could get your finances in order before he drops off your new arrival.
Personal Finance
couple sits by boxes inside new house and delights in buying their first home as woman holds the key

5 Smart Steps to Buying Your First Home

From getting pre-approved for a mortgage to making an offer and beyond — here are five steps that could help make your homeownership dream a reality.
Personal Finance
young father, mother and son fly a kite at sunset as parents consider buying accidental death insurance

Understanding Accidental Death Insurance

How would your loved ones cope if something unexpected were to happen to you? Learn more about accidental death insurance — and how it could help.
Personal Finance
man in wheelchair, grateful to have long-term care insurance, reads in the park with his granddaughter

Understanding Long-Term Care Insurance

Planning for the unexpected could help you better prepare for tomorrow. Explore the basics of long-term care insurance.
Personal Finance
roup of young people study at a table and discuss their financial education as college students

Money 101: A Financial Education for College Students

From Plato to the planetarium, college is a time to expand your mind and explore. It's also an ideal time to begin your financial education.
Personal Finance
parents carry boxes into home with daughter and balance paying off student loan debt and buying a house

Paying Off Student Loan Debt & Buying a House — How It Is Possible

It's possible to buy a house while still paying off student loan debt — provided you plan well financially and prepare for the unexpected.
Personal Finance
young woman drinks coffee and works on her laptop inside a café to make extra money with a side job

How to Make Extra Money With a Side Job

Sometimes, saving alone isn't enough to meet your financial goals. If this is the case for you, have you considered taking on a side job?
Personal Finance
young female student works in the library and wonders how she can avoid student loans in college

How I Avoided Student Loans in College

Student loans might seem like a given these days, but they don't have to be. Here's how one woman graduated college without any student loan debt.
Personal Finance
man presents to group in conference room and considers his financial readiness for a career change

Are You Financially Ready for a Career Change?

Sometimes, life calls for a change of scenery. And like most things in life, money is an integral part of the decision-making process.
Personal Finance
male patient, thankful he has critical illness insurance, talks with female health care professional

Understanding Critical Illness Insurance

When you have a critical illness, life can get expensive. However, critical illness insurance could help you pay the bills. Here's how.
Personal Finance
father hangs flag outside with his son and begins his life after the military by reviewing his finances

Life After the Military: Fortify Your Financial Plan in 5 Steps

Finances are often a major concern for life after the military. Luckily, there are steps you could take to get your financial plan to pass muster.
Personal Finance
man fills out a job application at home and plans how to adjust his financial plan after losing a job

How to Adjust Your Financial Plan After Losing a Job

Losing a job is difficult, but there are many things you could do to keep your finances on track while you plan your next career move.
Personal Finance
two 30-something couples drink coffee at a table in a café and discuss budgeting tips together

Back to Basics: Budgeting Tips for 30-Somethings

Even established adults could benefit from basic budgeting tips. Revisiting your budget could help you stay on the right track.
Personal Finance
five college friends study together at a table and discuss their financial transitions of adulting

Adulting 101: How to (Financially) Transition Into Adulthood

You're finally leaving home and moving into the world of grown-ups — but have you considered your finances? Adulting 101 could help you get started.
Personal Finance
female caretaker walks with elderly woman who understands the advantages of long-term care insurance

What Are the Advantages of Long-Term Care Insurance?

A long-term care insurance policy could help protect your assets, estate and loved ones. Learn more about this insurance type here.
Personal Finance
kid brother hugs older sister at college graduation as family is successful in how to save for college

How to Save for College: A Crash Course

Are you thinking about how to save for college? Enroll in our crash course to explore your options.
Personal Finance
retired couple at home researching the question: what does the average funeral cost?

What Does the Average Funeral Cost?

The average funeral cost might prompt you to think about your final wishes — and plan ahead for the expense.
Personal Finance
A multi-generational family spends time at home: caring for aging parents

6 Financial Questions to Ask When Caring for Aging Parents & Grandparents

You may have started to see age catching up with your parents or grandparents. Consider having a conversation with them now about finances to help protect their future.
Personal Finance
middle-aged couple sits on the couch at home and reviews their personal budget on a tablet

5 Questions to Help You Master Your Personal Budget

Budgeting could be the key to meeting your financial goals. Consider these five questions that could help you master your personal budget.
Personal Finance
daughter takes a walk with her wheelchair-bound father, grateful he has disability income insurance

What Is Disability Income Insurance & Is It Right for You?

Disability income insurance could help if you were unable to work following an accident or illness. Discover if this policy type is the right choice for you.
Personal Finance
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