While using a tax-free Roth IRA to save for retirement is a smart move, you can?t contribute if your income is too high. Laura answers a listener question about how to have one using a backdoor strategy, and rules for doing a Roth IRA rollover. 

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

Have a money question? Send an email to [email protected] or leave a voicemail at 302-365-0308.

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Laura answers listener questions and helps you get familiar with 9 critical retirement account rules so you can use them whether you?re employed, self-employed, unemployed, or retired.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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With inflation at an all-time high, you might be feeling a strain on your finances. A wise way to fight back is using some clever ways to cut costs?how about 25 of them? That's what we'll cover in today's show so you can put them into action for quick money wins.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Building and maintaining great credit is a critical part of your financial life. Be aware of seven credit mistakes and misunderstandings that can hurt your wallet.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Ready to quit work or begin a financially independent lifestyle? Laura covers five strategies to help you retire early and avoid paying early withdrawal penalties. 

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Ever wonder if you should use a buy now pay later (BNPL) offer or how they actually work? Laura interviews Bill Walsh, Chief Customer Officer with Sunbit about the growing BNPL industry and tips for using modern financing options wisely. 

Here are a few topics Bill and I cover on this week's show:

The two primary types of BNPL offers you can use.How a BNPL purchase compares to using a credit card.Sunbit?s survey results that reveal the effect of inflation on essential purchases.Types of purchases you should and shouldn't make using any BNPL offer.What to consider before choosing the best financing option.How using a BNPL option affects your credit health.Where you can find local merchants that offer BNPL for necessary purchases, such as auto repair, dental work, eye care, and veterinary services.

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Find out exactly how much money you really need for retirement and by what age. Laura covers various factors to consider for retirement planning, including a potential recession. 

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Money Girl has 8 micro money habits to help you take control of your finances, feel secure, and reach any realistic financial goal you desire.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Ever wonder if using a balance transfer credit card could help you get out of debt faster? Laura interviews Mary Gameng, MBA and Credit Card Specialist with Citizens, and answers a listener question. 

Here are a few topics Mary and Laura talk about on this week's show:

How many Americans have credit card debt and how much.Steps to create a debt pay-off plan.Ways using a balance transfer card can improve your finances.How card issuers evaluate you when applying for a transfer card.Whether using a transfer card can hurt your credit.Shopping tips for finding the best balance transfer card offer.

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Not sure what to do with an old retirement plan from a previous job? Laura answers a listener's question and reviews five options for managing your retirement account.

Can't remember where your old 401(k)s are? Use these 3 tips to locate them.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Find out five ways to save and invest for your child's future and how it should fit into your big financial picture.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Laura breaks down the benefits of a health savings account (HSA), who qualifies to have one, and whether you should spend it or keep it invested for the long term.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

Get a copy of Laura's latest book Money-Smart Solopreneur: A Personal Finance System for Freelancers, Entrepreneurs, and Side-Hustlers in paperback, ebook, or audiobook!

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Before buying bitcoin in your 401(k), understand the benefits and risks.

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

Get a copy of Laura's latest book Money-Smart Solopreneur: A Personal Finance System for Freelancers, Entrepreneurs, and Side-Hustlers in paperback, ebook, or audiobook!

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As interest rates rise, find out essential financial moves to save money. 

Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.

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Do you know the difference between good and bad debt? Laura explains why it's a critical concept for saving money, building wealth, and creating more financial security. Plus, she covers a simple 7-step plan for paying off debt fast.

Money Girl is hosted by Laura Adams. Transcript is available at Simplecast.

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If your employer offers a 401(k) match or stock options, they may come with a company vesting schedule. Find out what it means to be vested and how it should factor into decisions about your employment.

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Having more than one retirement plan can change the tax rules and benefits you receive. Laura explains what you need to know and how to get most most out of multiple retirement accounts in the same year.

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To answer a Money Girl podcast listener question about being a personal representative, Laura interviews attorney Lauren Blair. They chat about planning your estate and being prepared to be an executor of someone's will after their death.

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Buying a home or refinancing a mortgage is a huge financial move! Laura helps you understand what mortgage points are and how to know if they're worth paying for as you shop around.

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Are you ready for homeownership? Find out if buying a home is right for you, how much you can afford, ways to save for a down payment, and tips to get an affordable mortgage. The more you know about the home buying process and prepare your finances it, the cheaper and less stressful it will be.

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To celebrate Women?s History Month, Laura interviewed Flori Marquez, co-founder of BlockFi, a crypto financial services company. They chat about the future of crypto, why you should care, and surprising sesults of the second annual Real Talk: Women x Crypto 2.0 survey.

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As your net worth increases you have more exposure to lawsuits and other financial risks. Laura covers 7 wise strategies to protect your money, assets, and businesses.

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Looking for ways to slash your tax bill? Laura reviews seven legitimate ways to eliminate your entire tax bill or increase your tax refund and keep hundreds or thousands of your hard-earned dollars.

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Filing cabinet overstuffed? It's time to get clarity on which documents you can safely toss, what records you should save, and for how long. Laura reviews five tips for keeping tax and other financial records and staying compliant with IRS rules.

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This week's market turmoil underscores that using tried-and-true investment strategies is best. Laura gives an explainer about why everyone has been talking about GameStop and reviews seven simple principles to grow your money no matter if you're a new investor, have been at it for decades, or don't have much money to invest.

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Laura interviews Sarah Wyant from Carvana about tips for getting the best deal when buying or selling a used car online. They discuss what you need to know, including how to save money, create a car budget, prepare for financing, have a more enjoyable experience, and receive a real offer to sell your car in minutes.

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Ready to invest in crypto and NFTs but don't want to get scammed? Laura answers listener questions about who should own crypto assets, the potential risks, and how to know when a cybercriminal is trying to take advantage of you.

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Starting a family is an exciting life change. Laura covers ten financial and legal considerations for new parents to reduce risk, make medical cost and childcare more affordable, and protect their child's financial future.

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Over-contributing to various tax-advantaged accounts isn?t allowed, but can be easy to do by mistake. Laura reviews the contribution limits for various accounts and how to correct an excess so you avoid costly penalties.

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Fortunate to have a bit of extra money, but aren't sure what to do with it? Laura answers a listener question and covers seven smart things to do with your money after you've covered the basics.

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Interested in passive income and real estate but not sure if you're ready for hands-on investing? Laura covers five ways to invest in property actively and passively so you can diversify your portfolio and create additional income streams even with no special knowledge.

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Using debt wisely comes down to understanding the difference between good and bad debt and the right amounts based on your income and goals. Laura reviews how eight ways to know if you have too much debt and simple action steps to protect your finances.

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The new year is an excellent time to take stock of your finances and decide what you want to achieve with your money. Laura reviews five essential resolutions for tracking your financial progress, eliminating debt, saving more, and boosting your financial wellbeing in 2022.

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To celebrate the new year, Nutrition Diva host Monica Reinagel joins a panel of Quick and Dirty Tips experts to discuss New Year's Resolutions and what you need to know about nutrition goal-setting in 2022.

You'll hear from:

me, Laura Adams, host of Money Girl Monica Reinagel, host of Nutrition Diva Dr. Jonathan Su, host of Get-Fit Guy with Rachel Cooke, host of Modern Mentor, moderating

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Worried about retirement savings? Find out how five beneficial IRS tax adjustments for 2022 will help you save more money for retirement and create a stronger financial future.

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Laura interviews Dan Roccato from Credible.com about smart ways families and students can prepare for college expenses, borrow the right amount, and manage student loans wisely after graduation. Learn how to save money on education debt so it's more affordable and doesn't prevent you from reaching your financial goals.

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Laura covers six ways to invest in crypto, including some clever, tax-advantaged options for avoiding capital gains taxes. You'll learn what cryptocurrency is, how to buy it, how it gets taxed, and a strategy to start stacking coins.

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Should you fill your wallet with credit cards or limit the number you have? It all depends on how you use credit and what makes sense for your financial life. Laura explains how to use credit responsibly and determine what number of credit cards is right for you.

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Confused about how 401(k)s work? Laura explains the rules for using these tax-advantaged retirement accounts, including employer matching, contribution limits, rollovers, withdrawals, loans, and more.

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Feeling bitcoin or cryptocurrency FOMO right now? Laura interviews Fred Schebesta, author and founder of Finder.com about the future of cryptocurrency and what bitcoin beginners should know. Find out how to slowly add crypto to your investment portfolio, keep it safe, earn higher returns, and where to learn more.

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Should you open a joint bank account? Get a credit card together? Cosign a mortgage? Money Girl Laura Adams covers ten crucial rules for first-time couples managing their money together.

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Want to teach your kids good money habits and set them up for success? Laura breaks down three types of kids banking accounts and gives you her recommendations so you'll know what's best for your babies, tweens, teens, and everything in-between!

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Tired of holiday debt hangovers? Money Girl interviews Kristy Olinger, Credit Card Product Manager at Citizens, and co-host of The Opposite of Small Talk podcast, about tips for stretching your budget, using often-overlooked card benefits, and shopping safely this holiday season.

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Listener Kaitlyn asks: How will canceling a credit card affect my credit scores? Money Girl Laura Adams explains what you need to consider before closing an account, how to minimize hits to your credit, and tips for canceling cards strategically.

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Ready to achieve your financial goals and build the rich life you're dreaming about? Laura covers seven steps to reach your money goals faster, figure out what they should be, and stay motivated for the long haul.

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If you're looking for a clever way to cut taxes, pay less for healthcare, and build retirement savings, a health savings account (HSA) delivers. Laura's guide will help you start an HSA, understand the rules, and use it to your financial advantage

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Download our free HSA Cheat Sheet.

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Links:
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https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Sometimes reaching your personal or business goals comes down to using the right tools. Laura reviews 20 of her favorite free or low-cost digital tools you can try out to make better money decisions, save money, be more productive, and have more success.

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Links:
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https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Laura interviews Melanie Musson from Clearsurance.com about how to use smart home technology to protect your property and save money on home or renters insurance. You'll learn which insurance companies offer the best tech partnerships and specific devices that cut costs and your potential risk.

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Links:
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https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

If you're ready to get your own wheels, Laura covers ten things first-time car owners need to know. You'll learn the pros and cons of buying versus leasing, how to get the best deal possible, and ways to pay for your new car.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter to get more personal finance tips.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams