A Grad's Guide to the Real World
We show students how to start out on the right foot, and give parents the tools to point their kids in the best financial direction.
Congratulations graduates, commencement season has arrived. But what do you know about handling your finances now that you're on your own?
Relax, we're here for you. We've gathered dozens of your most pressing questions and answered them in language you can understand -- even if you aren't a finance major. Because in the real world, there is no extra credit to make up for your mistakes.
If you're not a graduate, but you happen to be a concerned -- er, well-wishing -- parent, our manual can give you the tools you need to guide your grad in the right financial direction.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Although your formal education may be coming to an end, a whole new learning experience is about to begin. Behold our guides to everything you wish you had learned in school ... but didn't:
SPENDING & SAVING
Do you really need a budget? How can you start building credit? Is it possible to make a million bucks without lifting a finger? Our Guide to Spending & Saving outlines the basics of money management when you're just starting out.
STARTING YOUR CAREER
How can you nail a job interview? How can you dress to impress on a tight budget? Should you go to grad school? Our Guide to Starting You Career tells you what you need to know about getting a job and building a career.
DECODING YOUR BENEFITS
What's the difference between an HMO and PPO? Should you invest in a 401(k)? What the heck is a mutual fund anyway? Find answers to your questions on making the most of your health insurance and job-related benefits in our Guide to Decoding Your Benefits.
FINDING HOUSING
How can you find cheap -- or even free -- housing? What's the secret to finding a good roommate? How can you furnish your place cheaply but chicly? Our Guide to Finding Housing addresses your questions about making the most your new place.
GETTING AROUND
What is the least expensive car to own? How can you save money on car insurance? How can you get the best gas mileage? We tackle your questions about getting from one place to another in our Guide to Getting Around.
HAVING SOME FUN
What's the best way to book cheap travel? How can you snag discount tickets to concerts, plays and other events? Should you go into debt to buy an engagement ring? Money doesn't have to be boring. Our Guide to Having Some Fun helps you make smart decisions when love, travel and entertainment are on your mind.
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
-
Why Walmart Stock's a Buy After Its Beat-And-Raise Quarter
Walmart is the best Dow Jones stock Tuesday after the retail giant's solid earnings report and outlook and Wall Street thinks it's just getting started. Here's what they're saying.
By Joey Solitro Published
-
Premium Tax Credit: Are You Eligible For This Health Insurance Tax Break?
Tax Credits The tax credit can help qualifying individuals pay for coverage from the Affordable Care Act’s health insurance marketplace.
By Gabriella Cruz-Martínez Published
-
What Does Medicare Not Cover? Seven Things You Should Know
Healthy Living on a Budget Medicare Part A and Part B leave gaps in your healthcare coverage. But Medicare Advantage has problems, too.
By Donna LeValley Last updated
-
Roth IRA Contribution Limits for 2024 and 2025
Roth IRAs Roth IRA contribution limits have gone up. Here's what you need to know.
By Jackie Stewart Last updated
-
Four Tips for Renting Out Your Home on Airbnb
real estate Here's what you should know before listing your home on Airbnb.
By Miriam Cross Published
-
Five Ways to a Cheap Last-Minute Vacation
Travel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
By Vaishali Varu Last updated
-
How to Figure Out How Much Life Insurance You Need
insurance Instead of relying on rules of thumb, you’re better off taking a systematic approach to figuring your life insurance needs.
By Kimberly Lankford Last updated
-
Amazon Big Deal Days Is Coming! We’ve Got All the Details
Amazon Prime To kick off the holiday season with a bang, Amazon Big Deal Days runs Tuesday, October 8 and Wednesday, October 9.
By Bob Niedt Last updated
-
How to Shop for Life Insurance in 3 Easy Steps
insurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
By Kaitlin Pitsker Published
-
Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.
By Daniel Bortz Last updated