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Practical breakdowns of the money moves that actually change your life, no jargon, no judgment, no shame.

Editor's Pick
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Budgeting & Cash Flow

How much should you have in your emergency fund, actually?

Three months? Six? The honest answer depends on more things than anybody tells you, and the math is a lot simpler than it sounds.

Nicole Lapin Nicole Lapin · Jun 16, 2026 · 7 min read

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Couples & Money

Should couples combine their finances?

The "yours, mine, and ours" account setup, proportional bill splitting, and a monthly money date that ends the fights.

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Gen Z & Money

What should new grads do with their first paycheck?

Capture your 401(k) match, build an emergency fund, automate the 50/30/20 split, and invest early.

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Family Finance

How do I talk to my kids about money by age?

From needs vs. wants at 3–5 to credit, investing, and a first job at 15–18.

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Gen Z & Money

Why personal finance is failing Gen Z

Outdated curriculum, advice built for a cheaper economy, and shame-based messaging. Here's what's broken and what works.

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First-Time Investors

How do I start investing with $100?

Open a brokerage or Roth IRA, buy fractional shares of a low-cost index fund, and automate it.

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Budgeting & Cash Flow

How much should I have in my emergency fund?

The plain answer: 3–6 months of essential expenses, starting with a $1,000 cushion in high-yield savings.

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Career & Salary

How do I negotiate salary for a new job offer?

Research the market, let them name the number, counter 10–20% higher, and get it in writing.

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Retirement

Roth IRA vs. 401(k): which should I open first?

Get your full 401(k) match first, then max a Roth IRA, then go back to the 401(k).

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Budgeting & Cash Flow

What is the 50/30/20 rule and does it still work?

50% needs, 30% wants, 20% savings and debt, and how to adapt it when rent breaks 50%.

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Money Psychology

Saving and budgeting, but still feel financially powerless?

Doing everything right but still anxious? Three 2025 challenges and the fixes for 2026.

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Money Psychology

Ray Dalio taught me everything I needed to know about money, by talking about death

A conversation about markets became a lesson on grief, meaning, and love.

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Couples & Money

Money problems are a leading cause of divorce. Here's how to avoid them

Nicole's I DO framework: initiate the money talk, divvy up accounts, and opt for a prenup.

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Entrepreneurship

Gary Vaynerchuck shows you how to get more attention

Gary Vaynerchuk on how attention really works, why he isn't afraid of AI, and how to ask.

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Entrepreneurship

Zillow co-founder shares a 'misunderstood' truth about starting, funding and selling your company

Spencer Rascoff on TAM vs SAM, exits, and where venture capital money actually comes from.

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Entrepreneurship

She turned her side hustle into a 150-person business with the 'wealthy mindset'

Blavity founder Morgan DeBaun on going all in and why the wealthy mindset means valuing your time.

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Entrepreneurship

The difference between making the 'best' choice and the 'right' one

Slutty Vegan founder Pinky Cole on reframing failure and choosing right over merely best.

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Career & Salary

Want the credit you deserve for your work? Do this, says Bozoma Saint John

The exec who ran marketing for Netflix, Apple and Uber on getting seen and negotiating visibility.

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Budgeting & Cash Flow

5 ways to take control of your money

Five moves to reclaim your finances: a financial selfie, a spending plan, goals, debt, and retirement.

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Entrepreneurship

Itching to start a business? Start with these 3 steps

Three steps to test whether entrepreneurship is really right for you before you leap.

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Career & Salary

3 secrets of the self-employed

How to spend smart, where to spend, and how to save for retirement without an employer 401(k).

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Entrepreneurship

3 ways to raise money if you don't know Mark Cuban

No angel investor on speed dial? Three ways to fund a start-up: grants, pitch contests, and finding your own angel.

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Money Psychology

How to be the CEO of your own life

If minutes are money, spend them wisely: get an assistant, cut email, and schedule everything.

Flat illustration for the article Get the money you deserve
Career & Salary

Get the money you deserve

Steal Nicole's word-for-word scripts for a raise, a car, and lower bills.

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Budgeting & Cash Flow

Your secret weapon for saving more

Your credit score is a secret weapon, here's how to raise it.

Flat illustration for the article Secrets to being smart with money
Women & Money

Secrets to being smart with money

Women live longer, so our money has to work harder, start here.

Flat illustration for the article Protect yourself and your money
Budgeting & Cash Flow

Protect yourself and your money

The always/sometimes/never rules that make you a harder target for hackers.

Flat illustration for the article Organize your way richer
Budgeting & Cash Flow

Organize your way richer

A 10-minute biweekly system for insurance records, receipts, and investment docs.

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First-Time Investors

Grow your hard-earned cash

Bonds, index funds, mutual funds, and ETFs, plainly explained so you can invest.

Flat illustration for the article Need more money? Read this.
Entrepreneurship

Need more money? Read this.

Turn a skill you love into extra income, find it, price it, sell it, track it.

Flat illustration for the article Get more cash for what you care about
Entrepreneurship

Get more cash for what you care about

Nail your pitch, ask your community right, and expand outreach to fund any goal.

Flat illustration for the article I have a big problem with the women's empowerment movement
Women & Money

I have a big problem with the women's empowerment movement

Nicole's 2017 opinion piece: solidarity needs specifics, not just slogans.

Flat illustration for the article Smart ways to pay down debt
Budgeting & Cash Flow

Smart ways to pay down debt

Find more money and pay strategically, a detox, gift cards, and a highest-rate-first plan.

Flat illustration for the article A truly happy way to spend your money
Money Psychology

A truly happy way to spend your money

Give back on any budget, whether you're paying off debt, saving, or ready to write a check.

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Budgeting & Cash Flow

Shop smarter, save bigger

Online shopping can wreck or save your budget, three fixes for smarter buying.

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Budgeting & Cash Flow

Major savings at your fingertips

The money apps that save you time and cash, from round-up investing to daily budgets.

Flat illustration for the article Talk your way to a better job
Career & Salary

Talk your way to a better job

Networking is just staying in touch, how to talk your way to a better job, your way.

Flat illustration for the article Before you buy, know this
Budgeting & Cash Flow

Before you buy, know this

Owning isn't always the American dream, when to rent vs. buy cars, clothes, and gear.

Flat illustration for the article Save for your future, painlessly
Retirement

Save for your future, painlessly

Future You isn't a stranger, three painless ways to save for her, starting with 1% more.

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Money Psychology

3 things to never pay for

Three money services you should skip, and do yourself for free.

Flat illustration for the article Your no-debt summer starts here
Budgeting & Cash Flow

Your no-debt summer starts here

Plan the fun now and skip the summer debt hangover.

Flat illustration for the article Keep more money in your pocket
Budgeting & Cash Flow

Keep more money in your pocket

Fifteen minutes and three moves that keep more of your money at tax time.

Flat illustration for the article Talk to these people about money, now
Family Finance

Talk to these people about money, now

The uncomfortable money conversations that protect the people you love.

Flat illustration for the article Negotiate your way to major savings
Budgeting & Cash Flow

Negotiate your way to major savings

A paper bill isn't set in stone, how to haggle down medical, credit, and monthly bills.

Flat illustration for the article 3 ways to save your budget this holiday
Budgeting & Cash Flow

3 ways to save your budget this holiday

Stop price-matching gifts, tip smart, and let apps score the deals.

Flat illustration for the article 3 money rules that get you a happier home
Family Finance

3 money rules that get you a happier home

Keep housing under 35% and stop expecting your house to make you rich.

Flat illustration for the article 3 money tricks not to fall for
Money Psychology

3 money tricks not to fall for

Fake "free" credit reports, bonus traps, and bundle deals that quietly cost more.

Flat illustration for the article Take control of your cash flow
Budgeting & Cash Flow

Take control of your cash flow

Build your LBD (little budget diary) and split spending into three simple buckets.

Flat illustration for the article The power of investing in yourself
Money Psychology

The power of investing in yourself

Why buying the coffee can actually save you money once you value your time.

Flat illustration for the article Boost your money confidence
Money Psychology

Boost your money confidence

Stop smiling and nodding, a starter financial dictionary plus when to hire a planner.

Flat illustration for the article 3 questions every couple needs to ask
Couples & Money

3 questions every couple needs to ask

The three money questions to ask before finances become a fight.

Flat illustration for the article 3 money rules you can break
Money Psychology

3 money rules you can break

Three money "musts" that aren't actually gospel for everyone.

Flat illustration for the article Help your money work harder
First-Time Investors

Help your money work harder

A plain-English starter guide to investing money that's sitting there losing to inflation.

Flat illustration for the article Why you need to be a bitch when it comes to your money
Women & Money

Why you need to be a bitch when it comes to your money

Reclaiming the B-word: why owning your money is the ultimate power move.

Flat illustration for the article 6 personal finance resolutions you can actually stick to
Budgeting & Cash Flow

6 personal finance resolutions you can actually stick to

Six money resolutions simple enough that you'll actually keep them.

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