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Why and how to invest, including how to save money now.

• Saving Versus Investing
  The difference between investing and saving, and how to tell what's the best option for your needs.
• Types of Investments
  The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained.
• Investment Accounts
  The types of accounts available to investors, including both taxable and tax advantaged accounts.
• Saving for Retirement
  Why save for retirement and the impact of fees on investment performance.
• Retirement Saving Strategies
  How to develop a comprehensive retirement savings strategy.
• Retirement Accounts
  An overview of the major retirement accounts, include Individual Retirement Accounts, Simplified Employee Pensions, and 401(k) plans.
• Retirement Savings Ideas
  A few simple things to keep in mind when starting a retirement savings plan.
• Individual Development Accounts
  Understanding the benefits of IDAs, how to qualify, and where to find a program.

An overview of the home-buying process, from saving for a down payment to closing the deal.

• Buying a Home Introduction
  Some pros and cons of buying a home, including a comparison with renting.
• Buying vs. Renting a Home
  Factors to consider when making an informed "buy" or "rent" decision.
• Planning for Your Home Purchase
  Before you buy a home, determine how much consumer debt is reasonable for you and what upfront costs you will have for your home purchase.
• Understanding Down Payments
  A large down payment isn't always needed to buy a home, but let's take a look at how down payments can affect your total mortgage costs.
• Understanding Mortgages
  The parts of a mortgage and common mortgage loan options.
• Mortgage Pre-Approval
  When you're pre-approved, you'll have a better idea of your costs and options.
• How Real Estate Agents Work
  A look at the role your agent will play in the home buying process.
• Assembling a Home Buying Team
  Having the right people on your side can help you make the best possible buying decisions.
• Making an Offer and Closing the Deal
  Crossing the finish line of the home buying process – submitting an offer, negotiating, and dealing with closing costs.

Understanding the common types of insurance, including auto, renters, health, plus more.

• Insurance Basics
  Understanding how insurance plays an important role in our financial lives.
• Auto Insurance
  A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
• Life Insurance
  Who should consider life insurance, types of policies, and how to determine coverage.
• Renters Insurance
  Even if you don't own a home, your possessions are assets that may be difficult to replace in the event of fire, flood, or theft.
• Health Insurance
  The various health insurance choices.
• Disability Insurance
  Policies that replace a portion of your wages if you become unable to work can be complex, but they may provide important benefits.

An introduction to student loan repayment choices and strategies. Visit the Library for in-depth coverage of repayment plan options.

• Making Smart Repayment Decisions
  Flexible federal student loan repayment plans can help you avoid financial trouble and reach your financial goals.
• Repayment Strategies
  To repay your student loans, you need a comprehensive strategy to put your education debt in a larger financial picture that includes your income, non-education debt, and long-term goals.
• How Repayment Plan Choices Affect Loan Cost
  Your repayment plan choice can greatly affect your monthly payment and the total cost of your student debt.
• Deferment and Forbearance Options
  Both deferment and forbearance can help you avoid financial trouble. If you think you might qualify, reach out to your loan servicer as soon as you first experience financial difficulty.
• Managing Loans in Times of Financial Distress
  You can’t always prevent financial stress, but how well you manage it will make all the difference in how successful you’ll be in meeting your repayment obligation.
• Grace and Deferment Period Strategies
  Federal education loans all offer a grace or deferment period – a set amount of time during which repayment is not required. How you manage loans during your grace period can make a big difference.
• Public Service Loan Forgiveness
  If you work in certain fields or for certain employers, a portion of your Direct Student Loan debt may be eligible for forgiveness.
• Loan Consolidation
  Loan consolidation can simplify the loan repayment process, but you must review the loans you plan to consolidate carefully – once consolidated, there’s no going back.