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.

Networking is the single best way to get a job.
Latest Post: December 3, 2014

Network Your Way to a Killer Job

Networking is the single best way to get a job. Maximize your connections with alumni associations, social media and creative outreach.

How to Use (and Not Lose) Your FSA Balance

Spending becomes second nature to many of us this time of year. But for those rushing to spend a use-or-lose health flexible spending account, we’ve unwrapped some creative ways to burn your balance.

On Your Own

There is no formula for financial success—everyone has to find their own way. And if you’re just starting out, we want to help you find yours.

My Retirement Paycheck
Whether you have saved a lot or a little for retirement, make the money you have go further by making informed decisions. My Retirement Paycheck shows you how.
My Money Toolbox
Create a free account and use the toolbox to create your own personal budget, save your favorite articles, flag helpful resources,and join our forum.


Basic steps to help you get started and get smart about your money


I'd like help on:


Create an Account?

Make the most of your Smart About Money experience—create a personalized account for free—and access the My Money Toolbox.

  • Online budgeting tools

  • Get answers to your personal finance questions

Forum for learning about financial planning


Teaching kids about giving

Posted by ejtay Friday, December 12 at 2:40 PM

I have heard several people making the comment about milk being more than gas while standing in the ...

hsa vs. fsa

Posted by ejtay Friday, December 12 at 2:37 PM

I believe you can rollover your hsa balance, but not fsa.

About Smart About Money

Nonprofit. Noncommercial. Unbiased.

or SAM, is a program of the National Endowment for Financial Education (NEFE) a nonprofit national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life.

SAM is a free, unbiased resource where you can find articles, resources, calculators and tips to help you manage your money through life's ups and downs.

Read all articles about financial planning


Search by Keyword