Young Adult's Guide to Financial Planning
This guide is built for young adults who want to get their financial life together without the overwhelm. Each section covers one area of your financial plan, with interactive tools you can actually use. Work through one section at a time, at your own pace. Your progress is saved automatically in your browser.
Net worth, emergency funds, budgeting, debt payoff, credit scores, sinking funds, and automation. The foundation everything else is built on.
Protect everything you are building. Term life, disability, health insurance comparison, HSA, and renters insurance.
Put your money to work. Compound growth, 401(k) match optimization, Roth vs. traditional, contribution limits, portfolio building, and dollar-cost averaging.
Keep more of what you earn. Capital gains, marginal vs. effective rates, paycheck breakdown, and tax-advantaged account stacking.
Define your number and build toward it. Retirement calculator, Coast FI, Roth 401(k) comparison, Social Security timing, and progress tracking.
The documents and decisions that protect your people. Wills, beneficiaries, power of attorney, healthcare directives, and a letter of instruction.
Your relationship with money shapes every financial decision you make. Behavioral biases, values alignment, and financial conversation starters.