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Personal Finance in Your 20s & 30s For Dummies, 3rd Edition
Cover
Title Page
Copyright
Introduction
About This Book
Foolish Assumptions
Icons Used in This Book
Beyond the Book
Where to Go from Here
Part 1: Getting Started with Personal Finance
Chapter 1: Your Financial Checkup
Calculating Your Financial Worth
Grasping the Importance of Your Savings Rate
Understanding and Improving Your Credit Score
Comprehending Your Investment Options
Examining Insurance Coverage
Identifying Common Financial Mistakes Young Adults Make
Chapter 2: Budgeting, Goal Setting, and Valuing Saving
Developing a Savings Mindset
What It’s Worth: Valuing Savings over Time
Budgeting and Boosting Your Savings
Setting and Prioritizing Your Savings Goals
Saving When You’re Strapped
Chapter 3: Using Loans and Paying Down Debts
Eyeing the Causes of Generational Debt
Making the Most of Loans
Dealing With Student-Loan Debt
Paying Off Consumer Debt
Getting Help for Extreme Debt
Preventing Consumer Debt Relapses
Chapter 4: Everything Credit: Scores and Reports
A Primer on Credit Reports and Credit Scores
Getting Your Hands on Your Credit Reports and Scores
Scrutinizing Your Credit Reports to Improve Them
Preventing Identity Theft
Part 2: Saving and Earning More
Chapter 5: Proven Ways to Spend Less and Save More
Containing Housing Costs
Cutting Your Taxes
Managing Food and Restaurant Spending
Trimming Transportation Expenses
Finessing Fashion Finances
Relaxing on a Budget
Taming Technology Spending
Keeping Down Insurance Costs
Getting Affordable and Quality Professional Advice
Handling Healthcare Expenses
Chapter 6: Taxes: Reduce Them When You Can!
Understanding Taxable Income
Comparing Marginal Taxes
Changes from the Tax Cut and Jobs Act Bill
Reducing Taxes on Work Income
Increasing Your Deductions
Lowering Investment Income Taxes
Enlisting Education Tax Breaks
Preparing Your Tax Return and Minimizing Your Taxes
Chapter 7: Housing: Comparing Renting and Buying
The Ins and Outs of Renting
Figuring the Costs of Owning and Making It Happen Financially
Finding the Right Property
Working with Real-Estate Agents
Financing Your Home
Putting Your Deal Together
Chapter 8: Relationships and Money
Handling Roommates
Living-Together Contracts
Getting Married
Understanding Your Money Beliefs and Practices
Getting a Grip on Procrastination Where Money Is Concerned
Chapter 9: Making the Most of Your Career
Getting Your Career Going
Exploring Entrepreneurial Options
Changing Jobs or Careers
The Young and the Unemployed
Part 3: Investing for Your Future Goals
Chapter 10: Successful Investing Principles
Examining Bonds and Other Lending Investments
Exploring Stocks, Real Estate, and Small-Business Investments
Considering Options, Cryptocurrencies, and Other Hot Vehicles
Getting a Handle on Investment Risks
Spreading Your Investment Risks
Selecting an Investment Firm
Evaluating Pundits and Experts
Chapter 11: Making the Best Use of Bank Accounts
Looking at Different Types of Banks
Understanding Your Bank Account Options
Banking Online
Considering Your Alternatives
Chapter 12: Portfolios for a Purpose
Before You Begin Investing
Investing Nonretirement Account Money
Investing Retirement Account Money
Investing for Education
Chapter 13: Real-Estate Investing
Understanding Real-Estate Investment Pros and Cons
Evaluating Simpler Real-Estate Investments
Assessing Residential Housing Investments
Investing in Commercial Real Estate
Shunning Sure-to-Lose Real-Estate Investments
Researching Where and What to Buy
Digging for a Good Deal
Part 4: Insurance: Protect Yourself, Your Loved Ones, and Your Assets
Chapter 14: Taking Care with Health Insurance
Making Sure You’re Covered
Finding Your Best Health Plan
Shopping for Health Insurance
Health Savings Accounts: Tax Reduction for Healthcare Costs
Chapter 15: Safeguarding Your Income
Protecting Your Income for You and Yours: Disability Insurance
Protecting Your Income for Dependents: Life Insurance
Caring for Your Loved Ones: “Peace of Mind” Insurance
Chapter 16: Home, Auto, Renter’s, and Other Insurance Policies
Protecting Your Home and Possessions: Homeowner’s and Renter’s Insurance
Insuring Your Car
Avoiding Policies That Cover Small Possible Losses
Part 5: Your Information Diet
Chapter 17: Using Media Resources
Going Online: The Wild West of Advice and Predictions
Getting Financial Perspectives and Advice from the Media
Chapter 18: Professionals You Hire
Seeing the Value of Professional Advice
Considering Financial Advisors
Taming Your Taxes with Help
Working with Real-Estate Agents
Using Online Resources to Find Service Providers
Part 6: The Part of Tens
Chapter 19: Ten Ways to Save on a Car
Don’t Buy a Car in the First Place
Pay Cash: Shun Leasing and Borrowing
Consider Total Costs
Compare New with Used
Understand a Car’s Real Value Before Negotiating
Take Care of Your Car
Explore Your Servicing Options
Drive Safely
Take a Lean and Mean Insurance Policy
Track Tax-Deductible Auto Expenses
Chapter 20: Ten Things to Value More than Your Money
Investing in Your Health
Making and Keeping Friends
Appreciating What You Have
Minding Your Reputation
Continuing Education
Having Fun
Putting Your Family First
Knowing Your Neighbors
Volunteering and Donating
Caring for Kids
Chapter 21: Nearly Ten Things to Know about Apps
You May Well Get What You Paid for with “Free” Apps
Conduct and Manage Financial Tasks
Use Apps Only from Legitimate Companies with Lengthy Track Records
Consider the Alternatives to an App
Keep Focused on Your Spending
Settle up with Friends But Beware Fees
Save Money on Commonly Purchased Items
Tap into the Latest Economic and Financial Data
Invest with Confidence
Index
About the Author
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End User License Agreement
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