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)

10 Basic Steps

Take the First Step

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

1
What's behind your financial decisions

What's Behind Your Financial Decisions

Before you create a budget or make spending cuts, take the LifeValues quiz to determine what it is that you value most.

2
Organize your documents before you start planning

Get Organized

Tips on managing not only your financial documents, but also your time.

3
Keep track of your expenses to find spending leaks

Know Where Your Money Goes

Keep track of your expenses and find your spending leaks.

4
Know where your money goes before you reorganize your finances

Shop Smarter

Making smarter spending decisions is another way to "find" money without actually making more.

5
Shop smarter and increase your purchasing power. Make your money go further.

Review and Reduce Your Debt

Identify the debt you have and use these tips to pay it off.

6
Review and reduce your debt with 10 basic steps

Build a Strong Credit Report

Maintaining a strong credit report can help you in a number of ways.

7
Build a strong credit report

Save For Your Future

One of the best and easiest ways to save money and start a strong retirement income planning program is to pay yourself first.

8
Save for your future

Set Financial Goals

Whatever your goals might be, you have a better chance of achieving them if you write them down.

9
Create a spending plan that works for you

Create a Spending Plan

One of the best ways to make sure your daily spending habits don't overwhelm your goals is to create a spending plan.

10
Invest money to reach your goals

Invest Money to Reach Your Goals

For longer-term objectives, one of the best ways to watch your money grow is to invest.