What do you wish you would’ve known when you were younger? Everyone has something—most people have a whole list. When you’re just starting out, you make decisions based on your limited knowledge of the world and learn from the consequences. But what if you had a little help? That’s where On Your Own comes in.

The author, William Bernstein, at age 7
Latest Post: October 9, 2014

Lessons from My Younger Self

Bill Bernstein started saving for his retirement almost by accident. He tells why you need to pay yourself first and often. (or Sell Out)

Hot Topics

Hot Topics

Browse the articles below as they relate to current events and some of the most common issues facing consumers today.

New year, new financial beginnings

New Year, New Beginnings

If you are one of the millions of Americans who have resolved to get out of debt and control your spending in the New Year, we have the resources you’ll need.

Love & Money

Love & Money

When establishing a new life with your partner, one of the first things you should talk about is money.


Protect Yourself

Having your identity stolen and becoming a victim of fraud can wipe out years of savings and assets and threaten your future security.

Tax Time

Tax Time

Whether you’re an early bird or an April procrastinator, there’s a lot to be aware of. Remember, changes in your life and personal financial goals will affect how you file your taxes.

Financial Ready for Summer?

Ready for Summer?

Spring is here and summer is just around the corner. Whether you’re planning an exotic getaway (or plan to “get away” in your own backyard), SAM has tips to help you organize and prepare for warm weather fun.

Diminished Financial Capacity

Diminished Capacity

As people get older their mental financial capacity tends to dwindle. Discussing the future with your loved ones doesn't have to be a challenge. Take the necessary steps today to prepare both you and your parents legally, financially and emotionally for the journey to come.

Financial Help after Graduation

Graduation

Parents provide the most influence on their child's financial knowledge, attitudes, and behaviors. So, whether your child just graduated from high school or will be home soon from college for summer break, now is the perfect time to help him or her learn to manage money and exercise wise financial decision making.

Summer pastimes, like backyard barbecues, can take a bite out of your budget.

Summer Savings

The kids are out of school, you’re cranking the AC, and planning your backyard get-togethers. If you’re not careful, your summer pastimes can take a bite out of your budget. SAM has your tips for saving cash and staying cool.


House and Home

Whether you rent or own, housing costs likely make up a large portion of your budget. But are you making the most of your housing dollars? Read up on SAM’s House & Home tips to help navigate the ins and outs of the housing market.

Back to School Costs

Back to School

Back-to-school time is a big deal—for your family and your wallet. Now is the time to discover how to prepare for the expenses of the future, how best to access your money for education costs, and how to teach your child financial responsibility that comes with adulthood.

From unprepared to prepared

Prepare for the Unexpected

Disaster preparedness begins with a well-crafted personal financial plan based on your family’s values and goals. Taking time to plan ahead now could save you stress—and money—when an unexpected crisis strikes.

Work and Money

Work and Money

Work and money go hand-in-hand. Use these tips to help protect your income and maximize your benefits.

Holiday Spending Guide

Holiday Spending Guide

Help prevent that post-holiday financial hangover by following these holiday shopping tips.