millennial.

  • Earn more

    Want to make money now? Start with the best money making apps

    Earning apps

    • Freecash reviewWhat it pays for and how it works
    • Bigcash reviewHow rewards and cash outs work
    • Testerup reviewTest apps and sites for pay
    • Games that payWhich game apps pay out

    Cash advance apps

    • Cash advance appsCompare advances before payday
    • EarnIn reviewHow early pay access works
    • Current reviewHow the account and advances work
    • Grant reviewHow the cash advance works

    Fast money

    • Get paid todayWays to get paid the same day
    • Instant money appsApps that send money fast
    • Free moneyFree cash offers to check out
    • Make $300 fastWhat works in a few days
    See all ways to earn

  • Borrow smart

    Tapping your home equity? Start with the best home equity investment companies

    Use your home equity

    • HELOC lendersCompare rates and terms
    • Home equity calculatorSee what you could access
    • Home equity loan fastHow quickly funding can happen

    Home equity investments

    • HEI pros and consThe trade offs before you sign
    • HELOC alternativesWhere an HEI fits next to a HELOC
    • Hometap vs UnisonTwo big names side by side
    • Hometap vs PointWhich one fits your goal

    Loans and payments

    • Loans with a score under 600What you can qualify for
    • Buy now, pay later appsSplit a purchase into payments
    • Student loan refinancingLower your rate or payment
    • Small business loansFunding for owners
    See all borrowing guides

  • Get out of debt and build credit

    Carrying a balance? Start with how to pay off debt fast

    Pay it down

    • Debt payoff appsTools that keep a plan on track
    • Pay off $5,000 in card debtA step by step plan
    • Debt consolidationWhen one payment helps and when it does not

    Get help

    • How much debt is too muchFour tests to check yours
    • Debt relief companiesWho can help and what it costs
    • Debt collector callsWhat they cannot do and how to prepare

    Build credit

    • Improve your credit scoreSeven steps that move it
    • Credit building appsStart a history or repair one
    • Credit cardsCompare cards by what you want to earn
    See all debt guides

  • Invest my first $1,000

    New to investing? Start with how to begin with little money

    Start small

    • Start with $100What to do with a small first deposit
    • Invest $500Thirteen ways to put it to work
    • Micro investing appsInvest your spare change

    Pick a platform

    • Online brokersFees and tools compared
    • Investment appsThirteen apps for beginners
    • Robo advisorsAutomatic investing for a small fee

    Go further

    • Retirement planning toolsSee if you are on track
    • Real estate investing appsProperty exposure without buying a house
    • Crypto exchangesWhere to buy and what they charge
    See all investing guides

  • Grow my savings

    New to this? Start with the best savings accounts

    Earn more on cash

    • Money market accountsSavings with check writing
    • CD ratesLock in a rate for a set term
    • Health savings accountsTax free money for medical costs

    Everyday banking

    • Checking accountsLow fees and easy access
    • Bank account bonusesWhat new accounts pay and what it takes
    • Banking appsManage money from your phone

    Build the habit

    • Emergency fundHow much you need and where to keep it
    • Ways to save moneyTwenty ways to keep more each month
    • Budgeting appsTrack spending without a spreadsheet
    See all banking guides
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Browse by goal

Start hereFind your next money step in six questionsAboutWho is behind the guides

Earn more

Apps and side income that pay fast

Good first readThe best money making apps

Earning apps

  • Freecash reviewWhat it pays for and how it works
  • Bigcash reviewHow rewards and cash outs work
  • Testerup reviewTest apps and sites for pay

Cash advance apps

  • Cash advance appsCompare advances before payday
  • EarnIn reviewHow early pay access works
  • Current reviewHow the account and advances work

Fast money

  • Get paid todayWays to get paid the same day
  • Instant money appsApps that send money fast
See all ways to earn

Borrow smart

Home equity, loans and payments

Good first readThe best home equity investment companies

Use your home equity

  • HELOC lendersCompare rates and terms
  • Home equity calculatorSee what you could access
  • Home equity loan fastHow quickly funding can happen

Home equity investments

  • HEI pros and consThe trade offs before you sign
  • HELOC alternativesWhere an HEI fits next to a HELOC
  • Hometap vs UnisonTwo big names side by side

Loans and payments

  • Loans with a score under 600What you can qualify for
  • Buy now, pay later appsSplit a purchase into payments
See all borrowing guides

Get out of debt and build credit

Pay it down and build your score

Good first readHow to pay off debt fast

Pay it down

  • Debt payoff appsTools that keep a plan on track
  • Pay off $5,000 in card debtA step by step plan
  • Debt consolidationWhen one payment helps and when it does not

Get help

  • How much debt is too muchFour tests to check yours
  • Debt relief companiesWho can help and what it costs
  • Debt collector callsWhat they cannot do and how to prepare

Build credit

  • Improve your credit scoreSeven steps that move it
  • Credit building appsStart a history or repair one
See all debt guides

Invest my first $1,000

Start with as little as $100

Good first readHow to begin with little money

Start small

  • Start with $100What to do with a small first deposit
  • Invest $500Thirteen ways to put it to work
  • Micro investing appsInvest your spare change

Pick a platform

  • Online brokersFees and tools compared
  • Investment appsThirteen apps for beginners
  • Robo advisorsAutomatic investing for a small fee

Go further

  • Retirement planning toolsSee if you are on track
  • Real estate investing appsProperty exposure without buying a house
See all investing guides

Grow my savings

Accounts, budgets and a safety net

Good first readThe best savings accounts

Earn more on cash

  • Money market accountsSavings with check writing
  • CD ratesLock in a rate for a set term
  • Health savings accountsTax free money for medical costs

Everyday banking

  • Checking accountsLow fees and easy access
  • Bank account bonusesWhat new accounts pay and what it takes
  • Banking appsManage money from your phone

Build the habit

  • Emergency fundHow much you need and where to keep it
  • Ways to save moneyTwenty ways to keep more each month
See all banking guides
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Blog/Cyrus Vanover

Cyrus Vanover

Contributor, My Millennial Guide

Cyrus Vanover is a freelance business writer who helps marketing managers position their companies for success. Based in Virginia, he enjoys hiking the local trails, exploring new restaurants, and live theater when not writing.

  • 12 guides published

Latest from Cyrus

12 guides, newest first.

  • Real Estate13 Reasons Renting is Better Than BuyingAug 17, 2025
  • Careers21 High Paying Jobs That Don’t Require a Degree or ExperienceSep 10, 2024
  • Manage MoneyFree Colleges: 11 Colleges That Don’t Charge TuitionApr 11, 2024
  • InsuranceRental Car Insurance: Do You Need It?Mar 7, 2024
  • Budgeting10 Ways to Save on a WeddingJul 24, 2022
  • CareersIs College Free in Germany? Here’s The Truth!Mar 14, 2022
  • BudgetingHow to Live Below Your Means: 12 Steps That Actually WorkJan 15, 2022
  • InsuranceShould I Buy Travel Insurance? When It’s Worth It (and When to Skip It)Sep 13, 2021
  • BudgetingHow Do I Choose an Online College?Apr 12, 2021
  • Budgeting8 Simple Ways to Save Money on College TextbooksMar 27, 2021
  • BudgetingWant a Free College Degree? Get a Job at StarbucksMar 20, 2021
  • BudgetingHow to Save Money and Time on Lawn CareJan 29, 2021

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