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.

Struggling with degree decisions.
Latest Post: November 21, 2014

So, What Should I Major In?

Columbia University freshman Ryyan Chacra struggles between a technical major and a liberal arts education.

3 Common Charitable Giving Mistakes

Giving to charity does good, feels good and could earn you a tax break. Claim your contribution the right way.

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


Student Loans

Posted by ejtay Friday, November 21 at 1:59 PM

Yes mtnbiker, I think we are pushed to get a degree and sometimes it works out sometimes not. My hus...

Thanksgiving Dinner

Posted by ejtay Friday, November 21 at 1:56 PM

We do the same as workingmom, the menu is usually split among everyone so that the cost AND work loa...

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