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References for “Money Management for Young Adults”

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“12 Passive Income Ideas for 18-20 Year-Olds.” Beginners Passive Income. Accessed January 29, 2023.

“12 Ways to Cut Your Expenses & Save Money.” InCharge Debt Solutions, January 4, 2023.  

“68 Percent of Private Industry Workers Had Access to Retirement Plans in 2021.” US Bureau of Labor Statistics. Accessed January 29, 2023.  

Adamczyk, Alicia. “Here’s Exactly How to Pick Investments for Your 401(k).” CNBC, January 9, 2020.

Andre, Marc. “9 Convincing Reasons Why You Should Be Tracking Your Net Worth.” Vital Dollar, December 6, 2021.

“The Average 401K Balance by Age | Personal Capital.” Accessed January 30, 2023.

“Average Car Repair Costs in 2022 | the Zebra.” Accessed January 30, 2023.

Bennett, Karen. “Emergency Fund: What It Is and How to Start One.” Bankrate. Accessed January 29, 2023.

Bieber, Christy. “20 Ways to Cut Spending.” The Motley Fool, September 18, 2018.

Breton, Pacome. “Long-Term Investing: Increasing Your Chances of Positive Returns.” Nutmegonomics | Personal finance with a twist, August 18, 2022.

Chubb, Chad. “What Is a 457(b) Plan & How Does It Work?” WealthKeel Advisors LLC, January 12, 2023.

Collins, Leah. “Job Unhappiness Is at a Staggering All-Time High, According to Gallup.” CNBC, August 12, 2022.

Crockett, Zachary. “How to Avoid Buyer’s Remorse.” The Hustle, August 19, 2022.

Cruze, Rachel. “How to Set Financial Goals.” Ramsey Solutions, December 22, 2022.

Dean. “I Read It So You Don’t Have To: The Psychology of Money.” Medium, September 22, 2021.

“Debt Snowball vs Debt Avalanche.” Money. Accessed January 29, 2023.

DiFurio, Dom. “Evolution and History of the 401(k).” Guideline | On Retirement, November 7, 2022.

Downing, Eve. “The Psychology of Spending.” MIT Spectrum. Accessed January 29, 2023.

Elliott, Candice. “21 Smart Money Making Ideas to Increase Your Income.” Listen Money Matters, December 22, 2022.

Eneriz, Ashley. “Debt Avalanche vs. Debt Snowball: What’s the Difference?” Investopedia, April 14, 2022.

“Explainer: How Does Employer 401(k) Matching Work?” Ellevest. Accessed January 30, 2023.

Fontinelle, Amy. “How to Set Financial Goals for Your Future.” Investopedia, October 12, 2022.

Half, Robert. “How to Write a Letter Asking for a Raise.” Robert Half, January 15, 2023.

“How Mental Health and Money Are Connected.” Accessed January 29, 2023.

“How to Increase Your Income in 15 Ways (with Benefits).” Indeed. Accessed January 30, 2023.

“How to Withdraw Money from a Roth IRA with No Penalty (and Why You Might Not Want To) | Nextadvisor with Time.” Time, December 13, 2022.

Iacurci, Greg. “Here’s Why Your 401(k) Employer Match May Not Be Yours Just Yet.” CNBC, January 19, 2022.

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Kagan, Julia. “Thrift Savings Plan (TSP): How It Works and Investments.” Investopedia, January 22, 2023.

Larsen, Trent. “24 Ways to Reduce Expenses.” wikiHow, October 6, 2022.

Martin, Mike. “Target-Date Funds VS S&P 500 Index Funds: Which Is Better?” projectfinance, April 19, 2022.

“Mental Well-Being Inherently Connected to Financial Wellness.” Purdue University News. Accessed January 29, 2023.

Mint. “Curb Emotional Spending with These 6 Mindful Money Tips.” MintLife Blog, July 7, 2022.

Muller Chris. “1% Difference in Mortgage Rate Matter?: MONEYUNDER30.” Money Under 30. Accessed January 30, 2023.

Opperman, Melinda. “Good Debt vs. Bad Debt.”, January 2, 2021.

Opperman, Melinda. “Financial Goals Examples and Tips.”, November 7, 2022.

O’Shea, Arielle. “What Is a Simplified Employee Pension Plan? How Sep Iras Work.” NerdWallet. Accessed January 30, 2023.

Palmer, Scott & Bethany. “5 Reasons Why Money Is the #1 Cause of Divorce.”, August 23, 2022.

PK. “Average Income by Age, Median, Top & Percentiles.” DQYDJ, November 16, 2022.

Ramsey Solutions. “Why Should I Invest 15% of My Income for Retirement?” Ramsey Solutions, December 2, 2022.

Reinicke, Carmen. “56% of Americans Can’t Cover a $1,000 Emergency Expense with Savings.” CNBC, January 20, 2022.

“Retirement Plans Faqs Regarding 403(b) Tax-Sheltered Annuity Plans.” Internal Revenue Service. Accessed January 29, 2023.

Royal, James. “23 Passive Income Ideas to Help You Make Money in 2023.” Bankrate. Accessed January 30, 2023.

Schneider, Jeremy. “Is My Financial Advisor Good at Picking Stocks?” Personal Finance Club, August 6, 2021.

Schneider, Jeremy. “Seven Reasons to Put 100% of Your Portfolio in a Target Date Index Fund.” Personal Finance Club, February 14, 2022. “How Fast Can I Get My Money out of the Market?” Schwab Brokerage. Accessed January 30, 2023.

Sellinger, Donna. “Why Savers Pursuing Early Retirement Should Consider Limiting 401(k), IRA Contributions.” Barron’s, November 23, 2020.

Shaikh, Noha. “Thirteen Million US Households Have Negative Net Worth. Will They Ever Move from Debt to Wealth?” The Aspen Institute, May 27, 2022.

Smith, Lisa. “Good Debt vs. Bad Debt: What’s the Difference?” Investopedia, May 3, 2022.

Stieg, Cory. “The Psychological Difference between Spenders and Savers (and What Your Habits Say about Your Personality).” CNBC, December 1, 2020.

“Term vs. Whole Life Insurance: What’s the Difference?” Ramsey Solutions. Accessed January 30, 2023.

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 Voigt, Kevin. “Best Ways to Earn Passive Income: 10 Ideas for 2023.” NerdWallet. Accessed January 30, 2023.

“What Is a 529 Plan?”, January 22, 2023.

White, Alexandria. “How Is Credit Card Interest Calculated?” CNBC, November 5, 2020.

Wolfson, Lily. “Here’s How Much Money You Should Be Saving from Every Paycheck.” CNBC, August 26, 2022.

Yochim, Dayana. “7 Types of IRAS: Find the One for You.” NerdWallet. Accessed January 30, 2023.