Starting Your Financial Life

You want to live your life on your terms, now and 40 years from now.

Just a few informed decisions can help lead to a lifetime of greater security and financial well-being.

Here, you’ll find knowledge to help you make those decisions with confidence.

Personal Stories

Hear what some real people did to make their financial goals a reality

Get Informed

Unsure how to make your financial goals a reality? These videos will help you along the way

Sound Advice

Get closer to your financial goals with these tips

  • A Financial Checklist for Newlyweds

    Getting married is one of the most exciting periods of your life…and sure to bring about myriad financial changes. Here are five items for you and your spouse to take care of after tying the knot.

    Continue to Article

  • Good Debt vs. Bad Debt: How to Know the Difference

    It’s important to understand the different types of consumer debt. We breakdown some “good” and “bad” types of debt – and why experts may classify them these ways.

    Continue to Article

  • 5 Ways to Lower Your Debt

    By now, you are probably aware of the fact that Americans love to acquire debt. Whether it’s credit card, student loan or even a mortgage, there’s no getting around the fact that there are a lot of people in debt.

    Continue to Article

  • 5 Practical Ways to Repay Your Student Loans

    Carrying student loan debt doesn’t have to be a burden when you create a realistic payoff plan. Here are five practical ways to pay off your student loans.

    Continue to Article

  • How Freelancers Save for Retirement

    Freelancing comes with a variety of perks: Earning extra money, working in your pajamas, as well as special options available to you when it comes time to save for retirement that 9-to-5ers can’t always use.

    Continue to Article

  • How to Start Saving for Retirement

    Your retirement years may seem like a long way off, but it’s never too early to start saving for retirement. Here are some things you can do in your 20s and 30s to set yourself up for a comfortable retirement.

    Continue to Article

  • Moving In Together? Personal Finance Tips for Couples

    Decided to move in with your significant other? You’ll want to talk about money – and negotiate how your joint finances will be handled – before it becomes a problem.

    Continue to Article

  • 3 Tips for Young Women: How to Maximize Your Early Career Years

    Wondering how to make the most of your early career years? Here are three pearls of financial wisdom to go along with your best power suit.

    Continue to Article

  • How do Savings Accounts Work?

    You’re probably already familiar with how a checking account works, but if you’re looking for ways to save for the future, a savings account could be the missing piece you need.

    Continue to Article

  • How to Negotiate Your Monthly Bills

    Even though most of us now receive our monthly bills virtually, they still hurt our non-virtual wallets just as much. But it doesn’t have to hurt quite so bad if you’re smart about negotiating your bills.

    Continue to Article

  • How Much of My Income Should I Save Every Month?

    Your ideal savings rate depends on your specific, long-term reasons for saving. So, what are your goals?

    Continue to Article

  • The Top 10 Mistakes Millennials Make With Their Money

    Let’s admit it: none of us are perfect at managing money. But our youthful financial decisions shape our lives more than we realize. Here are the top ten mistakes that people in their 20s make with money.

    Continue to Article

  • How to Get Health Care Tax Free

    Taxes take a big bite out of everyone’s paycheck and one of the best ways for young professionals to offset those taxes is to contribute to a health savings account (HSA).

    Continue to Article

  • 5 Ways to Find More Money Every Month

    Money – there just never seems to be enough of it at the end of the month. With some simple strategies and a couple extra hours a week, you can actually significantly boost your cash flow.

    Continue to Article

  • How to Start an Emergency Fund

    Life can throw us unpleasant surprises. A sudden job loss or a costly trip to the ER may be no match for even the best planned budget. Prepare yourself for these potential budget busters with an Emergency Fund.

    Continue to Article

  • Should I Add to Retirement Savings or Pay Off Debt?

    For most of us, the thought of paying back our student loans can be a little daunting, especially when we’re fresh out of school and our salaries aren’t as high as we’d like them to be.

    Continue to Article

  • A Financial Checklist for Newlyweds

    Getting married is one of the most exciting periods of your life…and sure to bring about myriad financial changes. Here are five items for you and your spouse to take care of after tying the knot.

    Continue to Article

    Good Debt vs. Bad Debt: How to Know the Difference

    It’s important to understand the different types of consumer debt. We breakdown some “good” and “bad” types of debt – and why experts may classify them these ways.

    Continue to Article

    5 Ways to Lower Your Debt

    By now, you are probably aware of the fact that Americans love to acquire debt. Whether it’s credit card, student loan or even a mortgage, there’s no getting around the fact that there are a lot of people in debt.

    Continue to Article

  • 5 Practical Ways to Repay Your Student Loans

    Carrying student loan debt doesn’t have to be a burden when you create a realistic payoff plan. Here are five practical ways to pay off your student loans.

    Continue to Article

    How Freelancers Save for Retirement

    Freelancing comes with a variety of perks: Earning extra money, working in your pajamas, as well as special options available to you when it comes time to save for retirement that 9-to-5ers can’t always use.

    Continue to Article

    How to Start Saving for Retirement

    Your retirement years may seem like a long way off, but it’s never too early to start saving for retirement. Here are some things you can do in your 20s and 30s to set yourself up for a comfortable retirement.

    Continue to Article

  • Moving In Together? Personal Finance Tips for Couples

    Decided to move in with your significant other? You’ll want to talk about money – and negotiate how your joint finances will be handled – before it becomes a problem.

    Continue to Article

    3 Tips for Young Women: How to Maximize Your Early Career Years

    Wondering how to make the most of your early career years? Here are three pearls of financial wisdom to go along with your best power suit.

    Continue to Article

    How do Savings Accounts Work?

    You’re probably already familiar with how a checking account works, but if you’re looking for ways to save for the future, a savings account could be the missing piece you need.

    Continue to Article

  • How to Negotiate Your Monthly Bills

    Even though most of us now receive our monthly bills virtually, they still hurt our non-virtual wallets just as much. But it doesn’t have to hurt quite so bad if you’re smart about negotiating your bills.

    Continue to Article

    How Much of My Income Should I Save Every Month?

    Your ideal savings rate depends on your specific, long-term reasons for saving. So, what are your goals?

    Continue to Article

    The Top 10 Mistakes Millennials Make With Their Money

    Let’s admit it: none of us are perfect at managing money. But our youthful financial decisions shape our lives more than we realize. Here are the top ten mistakes that people in their 20s make with money.

    Continue to Article

  • How to Get Health Care Tax Free

    Taxes take a big bite out of everyone’s paycheck and one of the best ways for young professionals to offset those taxes is to contribute to a health savings account (HSA).

    Continue to Article

    5 Ways to Find More Money Every Month

    Money – there just never seems to be enough of it at the end of the month. With some simple strategies and a couple extra hours a week, you can actually significantly boost your cash flow.

    Continue to Article

    How to Start an Emergency Fund

    Life can throw us unpleasant surprises. A sudden job loss or a costly trip to the ER may be no match for even the best planned budget. Prepare yourself for these potential budget busters with an Emergency Fund.

    Continue to Article

  • Should I Add to Retirement Savings or Pay Off Debt?

    For most of us, the thought of paying back our student loans can be a little daunting, especially when we’re fresh out of school and our salaries aren’t as high as we’d like them to be.

    Continue to Article

About TIAA-CREF

TIAA-CREF is a financial services company founded with a commitment to serving those who serve others. For nearly 100 years, we’ve been supporting the financial needs of those in the academic, medical, cultural, governmental, and research fields.

We understand that financial well-being can mean different things to different people. Whether that means a secure future, confident decisions, the freedom to change your life’s direction, or simply less worry and more living, we’re here to help you reach your financial goals.

The pursuit of those goals is a lifelong journey, and when you’re just starting out, you’ll have a number of distinct concerns. We want to give you the knowledge you need to help address those concerns and take the first steps on that journey with confidence.