Budgeting 101

Powered by Clarity Money

Why Snack Brands are Booming

Goldman Sachs Research touches on three key snacking trends in this video.
Read More

Investing in Opportunity Zones

A look at Opportunity Zones by the numbers, based on what we heard in Exchanges at Goldman Sachs.
Read More

Financial Planning for Athletes and Entertainers

As their financial profiles evolve, Goldman Sachs’ Sports and Entertainment Solutions aims to help address their unique needs.
Read More

How to Ask for What You Want in Your Career, and Other Advice from Katie Couric

A few things we learned from Katie Couric’s 'Talks at GS' appearance.
Read More

How 3D Body Scanning Apps Can Save You Time and Retailers Money

No surprise, it’s your smartphone to the rescue.
Read More

What it Means to be a Female Founder – Talks at GS with Rebecca Minkoff

How she’s also empowering other women-owned businesses.
Read More

Andre Iguodala on Living in the Present

And surrounding yourself with good people.
Read More

The Future of Transportation – What Should We Expect

Disruption has only just begun.
Read More

How Solar Power is Going to Help Slash Utility Bills

The future looks bright for solar.
Read More

Can A Watch and Improvements in Healthcare Technology Mean Lower Costs for Patients?

Recent innovations in remote health monitoring devices hint at their potential.
Read More

Hybrid Vehicles Are Gaining Speed

What the future looks like for electronic vehicles.
Read More

Takeaways From Michael Rapino’s Talks at GS

New ticketing strategies in an expanding global economy.
Read More

AI at Work

How AI can shape businesses from within.
Read More

Taking the Heat: How Cities Need to Adapt to Climate Change

According to new research from Goldman Sachs’ Global Markets Institute
Read More

2020 Outlook: Q&A with Goldman Sachs' Chief Economist Jan Hatzius

We sat down with the firm’s chief economist to discuss the 2020 Global Macroeconomic Outlook.
Read More

How One Prominent Venture Capital Firm Evaluates Companies

Andreessen Horowitz managing partner Scott Kupor lends insight in his Talks at GS.
Read More

Credit Score

Powered by Clarity Money

What Credit Score Do You Need for a Personal Loan?

No surprise, the higher, the better.
Read More

Who Can See Your Credit Report?

The answer may surprise you.
Read More

What Affects Your Credit Score

What you don’t know about your credit score can hurt you. Separate the facts from the fiction on what affects your credit.
Read More

Credit Score and Interest Rates

Better credit equals better interest rates. Here's how a low credit score can cost you.
Read More

How to Build Credit

Be smart about building your credit.
Read More

How late and partial payments affect your credit score

Depending on the lender, they're treated differently.
Read More

Why Can Paying Off Debt Lower My Credit Score?

Paying off debt can lower your credit score at first, but scores usually rebound from a debt payoff in a month or two. Read more on how your credit utilization ratio, credit history and overall credit mix can affect credit score changes.
Read More

The 800 Credit Score: What Is It Worth?

An 800 and above credit score is the holy grail of credit scores. Read how to earn an 800 credit score, how to keep it, and the benefits that come with it.
Read More

Credit Do’s And Don’ts When Buying A Home

Buying a home can be financially stressful. In this article, we explain how your credit score can impact the process and what you should or shouldn’t do in order to protect your credit score before purchasing.
Read More

How Hard and Soft Inquiries Work

We breakdown the difference between hard and soft credit inquiries.
Read More

How to Repair Credit

Here are some steps you can take to help repair your credit score.
Read More

What Is an Excellent Credit Score?

It may be within your reach.
Read More

Guide: What is a Credit Score and Credit Score Range

What the number really means.
Read More

How to Improve Credit Score

Learn about four steps you can take to improve your credit score.
Read More

What Credit Score Is Needed to Buy a House?

Learn more about how your credit score affects your mortgage approvals and interest rates.
Read More

What Is a Good Credit Score to Buy a Car?

Your score may determine your interest rate.
Read More

Why Did My Credit Score Drop?

Find potential reasons to this common question here.
Read More

What Is the Average Credit Score?

Learn about the factors that affect the average credit score and other credit score fundamentals.
Read More

What Is the Highest Credit Score?

Is it actually possible to reach?
Read More

What Is a Good Credit Score

Your credit score can affect you in many ways.
Read More

New to the U.S.? Here’s How to Establish Credit

We highlight the most important things to consider when establishing credit when new to the U.S.
Read More

Build Your Savings

Powered by Clarity Money

What Is a CD?

Learn about how to save with a Certificate of Deposit.
Read More

Financial Literacy Month Savings Poll

We quizzed 1,000 savers in a savings poll. See how you compare.
Read More

How to Build a CD Ladder – and Why

CD laddering can be a way to boost your savings.
Read More

7 Steps for Being a Successful Saver

Small steps can make a big difference in the long run.
Read More

Set a Savings Goal and Reach it in 5 Steps

Reaching your savings goal starts with setting goals and then making a plan.
Read More

Savings Goals by Age

It’s never too early or too late to save smart.
Read More

A CD primer

Typically, the longer the CD term, the higher the interest rate you will receive.
Read More

Cybersecurity Basics

Protect yourself and your money online.
Read More

What Is an Emergency Fund?

Here's why everyone should have a financial safety net.
Read More

What is APY?

Consider APY when comparing CDs or savings accounts.
Read More

What is a No-Penalty CD?

Learn about the benefits and how it works.
Read More

How to Avoid a CD Early Withdrawal Penalty

There are a few ways you could avoid a CD early withdrawal penalty, including opening a no-penalty CD. Learn more about how to avoid a penalty.
Read More

No-Penalty CDs vs. Online Savings Accounts

One may offer more flexibility, the other higher interest rates.
Read More

Your Guide to Compound Interest

The saying ‘time is money’ applies to compound interest, which is what makes it one of the most powerful concepts in personal finance.
Read More

Saving vs. Investing: What's the Difference?

It all comes down to your financial goals.
Read More

How to Make an Effective Budget

Here’s a straightforward approach to budgeting.
Read More

Retirement Savings: Strategies by Age

Retirement savings tips and strategies for every age.
Read More

Saving for Retirement: The Importance of Having a 401(k)

You could be missing out by not contributing.
Read More

What's a 529 Plan?

Learn about a 529 plan, how it works, and its benefits.
Read More

What Is a Roth IRA for Kids?

It’s never too early to start saving for their retirement.
Read More

What Is a High-Yield Savings Account?

High-yield savings accounts help you earn more interest than traditional savings accounts.
Read More

What Is a SEP IRA?

It can be a great way for sole proprietors to boost their retirement savings.
Read More

What is an Online Savings Account

5 things you need to know about your OSA
Read More

Traditional vs. Roth IRA: Which Is Right for You?

Learn about the pros and cons for both.
Read More

How to Start Investing in Stocks

Explained in six questions.
Read More

The Benefits of Budgeting

The benefits of budgeting can extend beyond financial ones.
Read More

401(k) Plans: Explained in Six Questions

Answers to questions about a popular retirement plan.
Read More

Savings Strategies for Kids and Teens

Learn how you can help your kids build good savings habits early in life.
Read More

Guide to CDs

We cover everything from the fundamentals to CD strategies.
Read More

Savings Strategies for Individuals Near Retirement

5 money tips for near-retirees.
Read More

A Quick Guide to CD Barbells

CD barbell strategy explained.
Read More

Managing Debt

Common Causes of Debt

How it all adds up.
Read More

How to Pay Off Debt

The tried-and-true methods for paying off debt faster.
Read More

How to Make a Debt Payment Plan

Say goodbye to debt faster.
Read More

How to Consolidate Credit Card Debt

Simplify your credit card debt with these options.
Read More

The Benefits of Living Debt Free

Less stress and more funds to invest are just a couple of them.
Read More

Credit Card Debt - the Unexpected Expenses Americans Worry About

See what expenses Americans worry will cause unexpected credit card debt.
Read More

Rising Income Levels May Lead to Lifestyle Inflation

Learn how to control increased spending when your income rises.
Read More

Is Social Media Keeping You in Debt?

How social media impacts our spending choices.
Read More

Debt Settlement Pros and Cons

How it works and the risks you should be aware of.
Read More

How to Get Out of Debt

Steps for getting and staying out of debt.
Read More

Moving Tips: How to Make Moving Less Stressful and More Budget-Friendly

Moving stress affects your emotions and your wallet. Our writer shows you how to cut costs while keeping your sanity.
Read More

Why You Should Think Twice Before Borrowing Against Your 401(k)

You may be able to borrow against your 401(k), but doing so comes with many risks.
Read More

Money and Marriage: Stories About Being Married with Separate Finances or Combined Finances

Relationships can be tricky, learn how three couples navigated their finances.
Read More

What is a Debt-to-Income Ratio?

It’s an important number – right up there with your credit score.
Read More

Save Money First or Pay Off Debt?

Not all debt is equal. Here’s how you might approach it.
Read More

5 Things to Consider Before Refinancing Your Personal Loan

APR should only be one factor.
Read More

personal finance

Home Renovation Costs Survey

What homeowners would give up for a free renovation including social media.
Read More

Are You Prepared for Your Next Home Improvement Project?

See what concerns people the most around home improvement project costs.
Read More

How to Close a Credit Card

How to cancel a credit card - the right way.
Read More

Useful Tips for Kids' Allowance

Three parents weigh in on their approach.
Read More

How to Stick to Your Financial Resolutions

Resolving to save money is great. Follow our three tips to stay on track and meet your New Year's resolutions to become financially fit.
Read More

Are All-Inclusive Resorts Worth It?

Planning your next vacation? Learn the pros and cons of an all-inclusive resort.
Read More

How to Prepare Yourself Before Having a Baby

Seven financial steps to consider.
Read More

How to Manage Your Money

Learn to track what you spend, consider creating goals, and review/revise your plan.
Read More

A Guide to Monthly Budgets

Learn about 50/30/20 rule and other types of budgets.
Read More

How Can I Get My Tax Refund Direct Deposited?

According to the IRS, the fastest way to receive your tax refund is through direct deposit.
Read More

How to Check Your Tax Refund Status

Grab your social, filing status and exact refund amount and let Marcus walk you through the process.
Read More

Your Tax Return in 4 Steps

We’ve outlined the four steps that are essential to getting your tax return done and in time.
Read More

What Are the Federal Income Tax Brackets?

Understanding what a tax bracket is and where you fall is important, so we decided to unpack it for you.
Read More

5 Things You Can Do With Your Tax Refund

Ways to put your tax refund to work towards your financial goals
Read More

What Is the Standard Tax Deduction for 2018?

A major change in 2018 was the sharp increase in standard deduction.
Read More

What Is the Personal Tax Exemption?

Learn about the personal tax exemption and how to correctly use it.
Read More

Budgeting for College Students: Tips for Students and Their Parents

How to build solid financial habits that will set you up for future success.
Read More

What Is Net Worth?

Learn more about the formula for figuring out your net worth, and what you can do to grow this value over time.
Read More

Home Maintenance Checklist and Tips

Keep this list handy. Welcome to the world of home maintenance.
Read More

The Envelope Budgeting System Explained and How to Use It in the Digital Age

How this old-fashioned system can be a timeless approach to budgeting.
Read More

Marcus Financial Literacy Test

We cover topics ranging from savings and lending, to credit and investing.
Read More

What You Can Learn From Grandma About Money on National Grandparents Day

To recognize National Grandparents Day on Sept. 8, we had a conversation with a grandma about all-things money: from living through the Great Depression to her money philosophy.
Read More

Ask Jill: How to Negotiate Salary

Jill explains how to handle a salary negotiation.
Read More

Automatic Loan Payments: Benefits of Autopay

Automatic payments may have more benefits than you think.
Read More

Types of Retirement Plans: Which Is Right for You?

Learn about 401(k)s, pensions, IRAs, and more.
Read More

Rent vs. Buy – What to Consider About Becoming a Home Owner

It’s about more than just the numbers.
Read More

Ask Jill: What You Should Know About Open Enrollment (Part One)

We asked Jill Schlesinger to inform employees about open enrollment and what they should expect when confronted by their employer.
Read More

5 Things to Do With Your Finances This Fall

Get organized with your finances before year end.
Read More

Ask Jill: What You Should Know About Open Enrollment (Part Two)

Benefits to take advantage of during open enrollment season.
Read More

What Is Home Equity?

The basics explained in 6 questions.
Read More

Ask Jill: 6 Steps to Take When Making a Charitable Donation

Pick the charity that’s right for you.
Read More

Liquidity and Liquid Assets Explained in Six Questions

Why it’s important for your overall financial health.
Read More

Marcus Financial Literacy Test: Holiday Edition

We focus on gift tax, spending trends and paying off debt during the holidays.
Read More

5 Things to Consider When Picking a Local Charity

Tips from an expert at Goldman Sachs
Read More

Holiday Tipping Guide

Tis the season for saying thanks to the helping people in your life.
Read More

Flexible Spending Accounts Explained in Six Questions

FSAs can help you save on qualified medical expenses.
Read More

What Does Diversification Mean Anyway?

Diversification, explained.
Read More

Ask Jill: 9 Year End Money Moves

Close out the year right.
Read More

Marcus Financial Literacy Test: 2019 Wrap-Up

We focus on the year’s trends, changes in consumer finance.
Read More

4 Things to Consider Before Buying an Investment Property

Before you set your sights on owning an investment property, it’s important to look at the big picture.
Read More

How to Invest in ETFs

Explained in six questions.
Read More

Bonds and How to Invest in Bonds

Explained in six questions.
Read More

Ask Jill: Getting Your Financial Act Together for The New Year

Three ways to focus on being better with your finances.
Read More

personal loans 101

How to Refinance a Personal Loan

It can be a way to get more favorable loan terms.
Read More

How to Apply for a Personal Loan in 5 Steps

Here’s what you need to know before applying for a personal loan.
Read More

Personal Loan Uses

Learn about the different ways you can use a personal loan.
Read More

How to Get a Loan

Learn about what to consider and how to apply.
Read More

Interest Rate Definition

Learn their importance and how they’re calculated.
Read More

Personal Loans vs. Credit Cards

Which is better? Compare the pros and cons.
Read More

What Are Origination Fees?

How they impact your loan.
Read More

Secured vs. Unsecured Loans

Read about the important differences between the two.
Read More

Line of Credit vs. Personal Loan

Learn the differences and choose the best one for you.
Read More

What Is APR?

APR is not just the interest rate.
Read More

How Do Loans Work?

Learn about the different types of loans and their uses.
Read More

Pros and Cons of Personal Loans

A look at the upsides and downsides of personal loans.
Read More

Home Equity Loans vs. Personal Loans

Learn the pros and cons of both and what may be best for you.
Read More

Personal Loan Fees Can Add Up – Here Are Five To Consider Before Signing

Learn more about five types of personal finance fees to consider before signing your loan documents.
Read More

How to Change Your Payment Due Date

This feature is designed to make repayment on your Marcus Personal Loan as easy as possible.
Read More

How to Update Your Account Information

And why it is important.
Read More

Marcus Loan Payments 101

Paying your Marcus Loan may seem simple, but questions come up, we’ll unpack the details for you.
Read More

How To Read Your Monthly Loan Statement

And key information that is important to track.
Read More