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AJ Smith

Contributor |  In Personal Finance, Mortgages

AJ Smith is an award-winning journalist with more than a decade of experience in television, radio, newspapers, magazines and online content. She currently serves as the managing editor for SmartAsset. AJ has a passion for meeting new people, sharing stories and helping others. She has degrees from Princeton University and Mississippi State University. AJ and her husband also write and illustrate educational children’s books.

Do You Have the Right 401K?

Personal Finance

Do You Have the Right 401K?

Do You Have the Right 401K?

We often dream of retirement as a time when we can live where we want and spend time how we like. And then we think about funding that dream. But making that dream a reality starts with facing the financial facts and setting up a plan. When considering which savings vehicles to use to provide… Read More

5 Signs Your Kid Isn’t Ready to Move Out

Personal Finance

5 Signs Your Kid Isn’t Ready to Move Out

5 Signs Your Kid Isn’t Ready to Move Out

Millennials (at least some of them) have another nickname you may have heard about: the boomerang kids. These are young adults who move back home after college rather than out on their own, whether because of a lack of job opportunities, crippling student loan payments or a desire to save up money. Whether your child is just entering… Read More

5 Reasons You Shouldn’t Hide From Your Debt

Managing Debt

5 Reasons You Shouldn’t Hide From Your Debt

5 Reasons You Shouldn’t Hide From Your Debt

Debt may have become so ingrained in your life that it seems natural. Maybe your plans to pay off debt have failed and you’ve even begun to ignore it. Maybe it’s because your debt is so long term (like a 30-year mortgage), it feels like you will never be without it. It’s important, though, to… Read More

Are You Wasting Money on Life Insurance?

Personal Finance

Are You Wasting Money on Life Insurance?

Are You Wasting Money on Life Insurance?

Thinking about the future can be scary, but planning for it is necessary. When you are calculating how much you need for retirement and what your life will look like down the road, it’s important to also consider what will happen after you pass on. Thinking about your own death can seem depressing, but you… Read More

Should You Prepay Your Mortgage?

Mortgages

Should You Prepay Your Mortgage?

Should You Prepay Your Mortgage?

Having debt, even “good” debt like a mortgage, can be a major stress in your life. It can be especially frustrating when you see how much of your hard-earned cash is going to pay off interest on your loan and not the home’s principal cost. You could end up paying as much as double your… Read More

Can a Down Payment Be Too Big?

Mortgages

Can a Down Payment Be Too Big?

Can a Down Payment Be Too Big?

Building up savings can feel good. It’s nice to know you are working toward and getting closer to your financial goals, especially when the goal is the biggest financial decision of your life — buying a home. When you are figuring out how much home you can afford, it’s important to look at both the upfront… Read More

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