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.

Tatyana, a frugal dreamerLatest Post: September 30, 2015

10 Minutes With… A Frugal Dreamer

After coming to the U.S. from Russia in 2010, Tatyana Salamatova, 26, decided to stay and is saving up to start her own business.

6 Common Frauds
Follow these tips to avoid following victim to some of the most common types of fraud.
Financial Identity Quiz

Just starting your financial journey? Take the Financial Identity Quiz for young adults.

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


Fraud Victim

Posted by jdgoosh yesterday at 11:32 AM

No. I have a freeze on my credit bureaus and I don't use credit or debit cards.

RE: Fraud Victim

Posted by SAM Tuesday, October 06 at 11:14 PM

Have you ever been a victim of fraud?


Posted by ejtay Wednesday, September 30 at 11:26 PM

No, I don't feel like we are as prepared as we should be. We have all the proper detectors, fire ext...

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