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Elizabeth Smith

Credit Card, Savings and Retirement Expert

Liz Smith is a graduate of New York University and has been passionate about helping people make better financial decisions since her college days. Liz has been writing for SmartAsset for more than four years. Her areas of expertise include retirement, credit cards and savings. She also focuses on all money issues for millennials. Liz's articles have been featured across the web, including on AOL Finance, Business Insider and WNBC. The biggest personal finance mistake she sees people making: not contributing to retirement early in their careers.

Posts by Elizabeth Smith:

by Elizabeth Smith Sep 06, 2018

Investments can be great wealth building tools that you can use to multiply your savings. But unfortunately, all of the research and counseling in the world can’t necessarily guarantee a high rate of return. Whether you’re an expert or a novice, it’s important to keep in mind that there are certain uncontrollable factors that will always have an impact on your investments. Read more

by Elizabeth Smith Aug 01, 2019

Saving for the future can be intimidating. But you don’t want to put it off or settle for strategies that save you very little. There are plenty of ways to take charge of your finances now in order to enjoy a big payoff later in retirement. So whether you’ve recently started your career or you’re counting the months to freedom, here are three simple ways to grow your nest egg. Read more

by Elizabeth Smith May 18, 2018

Most students enter college planning to earn a bachelor’s degree within four years. But this is becoming less and less common. There are many obstacles keeping students from graduating on time. In fact, a recent study found that the majority of American college students need extra time to finish school. Let’s explore this issue and discuss some of the factors that play into it.  Read more

by Elizabeth Smith Jan 14, 2016

Student loan debt can be crippling and loan default rates continue to rise as more and more borrowers struggle to make their monthly loan payments. You may have heard that debtors can file for… Read more

by Elizabeth Smith Jul 09, 2018

Many undergraduate students live on campus. Some start renting off-campus when they become upperclassmen. But as you graduate and begin pursuing a higher level of education, you might need to think… Read more

by Elizabeth Smith Jan 11, 2016

Whether you want to be more aggressive about paying off credit card debt and putting more into savings or you just want to live a more extravagant lifestyle, you’re probably ready to start earning… Read more

by Elizabeth Smith Jan 08, 2016

Investing can be a great way to build wealth as a young adult. But if you don’t know anything about stock or bonds, you might be tempted to avoid the process of investing altogether. Avoiding… Read more

by Elizabeth Smith Dec 10, 2019

We all know that the salary we negotiate is not the same as our take-home pay. Between benefits, retirement contributions and taxes, the difference can be quite substantial. In America, federal and… Read more

by Elizabeth Smith Dec 31, 2015

Once you’ve closed on a home and you’ve gotten a mortgage, there’s one more important step to take. That’s right – even after you’ve completed a ton of paperwork and you’ve survived the stress of… Read more

by Elizabeth Smith Dec 25, 2015

New Year’s Eve is a time to look back on the past year while celebrating what’s coming in the next one. As great as it is to ring in the New Year with a bang, it’s best to avoid busting your budget… Read more

by Elizabeth Smith Dec 22, 2015

Have you ever dreamed of living in another country? Whether you’re drawn to the charm or the prestige, foreign universities can be a great way to experience a new environment while pursuing a world… Read more

by Elizabeth Smith Dec 18, 2015

Applying to college can be exciting. But what if the schools on your list are in areas known for their record-breaking cold? Some students crave cold weather, while others simply bear it in exchange… Read more

by Elizabeth Smith Oct 06, 2015

With Hillary Clinton running for the office of the president for a second time, it’s a good idea to learn more about her past, her stance on the issues and her potential in the election. No matter… Read more

by Elizabeth Smith Oct 06, 2015

Whenever someone mentions Donald Trump, a couple things probably come to mind. His name might elicit images of his famous hair or the sound of his voice repeating, “You’re fired!” That is, of course,… Read more

by Elizabeth Smith May 02, 2016

  We all know buying a home is a big step and while homeownership offers serious benefits, renting can be just as sweet a deal. If you’re struggling to commit to buying, remember that the decision is… Read more

by Elizabeth Smith Jan 12, 2016

When you’re on the hunt for a rental, it can be tempting to jump on a unit designated as a “no-fee” apartment. Who wants to pay extra money for a broker’s services? After all, you already have to… Read more

by Elizabeth Smith Nov 12, 2017

My college graduation looms in the near future. I’m still trying to figure out what come next. Many of my classmates are looking to continue their education. I have friends headed to law, medical,… Read more

by Elizabeth Smith Jan 02, 2015

They say the apple doesn’t fall far from the tree – but they also say one bad apple spoils the whole bunch. According to a new study from the American Institute of CPAs and the Ad Council, 25-34 year… Read more

by Elizabeth Smith Jan 02, 2015

Netflix, ShoeDazzle, Citrus Lane, Petflow, Birchbox. It seems that subscription services are popping up everywhere these days. And it makes sense. These companies sell you something once and the… Read more

by Elizabeth Smith Jan 02, 2015

‘Tis the season – for festivities, traditions, family…and spending. Travel, parties, presents and decorations are just a few of the mounting expenses we face as the merriest time of the year… Read more

by Elizabeth Smith Sep 14, 2018

As my final winter vacation in college approaches, I can’t help but think about the ultimate way to spend my last chunk of free time before the “real world” begins. Looking back to other winter… Read more

by Elizabeth Smith Aug 21, 2019

Ideally, your Thanksgiving holiday should be about family, food and fun. Avoiding controversial topics is usually a good plan. But if you must bring up money as you’re passing the turkey, there is a… Read more

by Elizabeth Smith Jan 02, 2015

We all understand it: Bring Your Own Beverage. Choosing to BYOB to a restaurant – with a beverage license or not – can be a wonderful way to eat out while cutting costs. There’s a reason Zagat added … Read more

by Elizabeth Smith Mar 14, 2018

When I was 15, my parents gave me my first credit card. It was for emergency use only. Many people thought this was crazy. Most of my friends didn’t have one. But it was a way to expose me to credit… Read more

by Elizabeth Smith Dec 23, 2014

“Okay, but what are you being on Saturday?” my friend asks as I tell her my genius costume for Thursday, October 31st. No worries, I have already thought of that too! Halloween encompasses more than… Read more