Anyone can contribute to the custodial account. Looking for a new credit card? Although the account will initially be in your name, your child will be able to take full control of it once he or she reaches age 18 or 21, depending on state laws. Find and compare the best penny stocks in real time. Age limits for accessing the accounts are on a state-by-state basis for a UTMA but are typically anywhere from 18 to 24 years of age. Investing requires time, learning, which can a child open a brokerage account 10 best stocks 2020 be best done through experience, and self-evaluation of your risk and return predisposition. The good news is, you. How We Make Money. Table of contents [ Hide ]. Share this how to trade stocks for dummies pdf dividend stock pays 12. Best online stock brokers rjo futures options trading strategies pdf price action forex trading books beginners in April Since investment involves two scarce and costlier inputs, namely time and money, it should be done judiciously, wisely and with utmost care. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. It is possible for an underage person to have a brokerage account with his or her own name attached to it, however, if a parent or guardian is involved with the account. That's a tough question, because I'm a firm believer that you should start investing as early as possible. The overall best choice for a custodial account is Charles Schwab. You can set up Betterment and then kick back while the pros do the rest of the work. We have plans and I could see sharing with them the history and tracking the performance, which might lead to more interest in direct investing. Learn more about how you can invest in dividend stocks, including how to trade, and where you can purchase stocks. Pros Comprehensive trading platform and professional-grade tools Wide range of tradable securities Fully-operational mobile app. Find an investing pro in your area today. Td ameritrade acquires thinkorswim free td ameritrade app helped them earn money for a car. Blue Facebook Icon Share this website with Facebook. Of course, this can be an advantage over the guardian account in which taxes fall under the parent's name, at their marginal tax ratesince children often pay little to no taxes due to their typically low annual incomes. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation.
Why you want this app: You like trading stocks and options and cryptocurrency for free and having a simple binary options using bitcoin only 1 intraday call daily to follow the market. We have not reviewed all available products or offers. You can set up Betterment and then kick back while the pros do the rest of the work. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Recent Articles. Best Research Resources: Fidelity. Here's a full run-down on Roth IRAs for kids. I know when I was in high school, my parents showed me and gave me access to several UGMA accounts that were opened in my name by my grandparents when I was a baby. You can add to the account with online transfers, mt4 binary options brokers mt4 waiting for update check deposits from your phone, or other electronic transfer methods. Rather, this list includes non-traditional apps that help you manage your finances and invest. Legally, even minor children can own stocks, either bequeathed to them through a will or as a gift. Benzinga's financial experts take a detailed look at the difference between ETFs and stocks. Our goal is to give you the best advice to help you make smart personal finance decisions. Looking for a place to park your cash? All reviews are prepared by our staff.
Read Review. Roth IRA. Find the best stock broker for you among these top picks. Understanding by doing it is so important. Full Bio Follow Linkedin. Skipping the legalities, most teens just want to experience investing. Watching their money grow can encourage them to be better savers and investors as adults, when it truly matters. Find the Best Stocks. Investing isn't just for adults: If you want to teach your kids some valuable lessons about money and the power of investment growth, helping them open a custodial brokerage account can be a great start. We maintain a firewall between our advertisers and our editorial team. One major benefit of TD Ameritrade is its powerful Thinkorswim active trading platform. Watch The Video. Best Overall: Charles Schwab. Well, technically the Roth IRA is just an account. The app provides professionally managed portfolios using a selection of ETFs and is calibrated against your own risk tolerance. Rather, these ideas should be viewed as potential opportunities for elevated levels of volatility and trader interest and thus increased liquidity. Custodial account minimum account balances and interest rates vary by company.
If the stock is in the minor's name, neither the guardian nor the minor can conduct any transactions with it. For a full statement of our disclaimers, please click here. By using The Balance, you accept our. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Related Articles. A UTMA account is more flexible and may include any type of asset, including works of art, real estate, or even intellectual property like royalties from a book. Here it is: Be confident about your retirement. Fidelity is a top brokerage for retirement accounts, and the same features that make it a great option for retirement also make it a great option for custodial accounts. The offers that appear on this site are from companies that compensate us. For the most part, that money sat there and my parents didn't do anything with it. Investing for kids. Best Research Resources: Fidelity. Wealthbase is a newer entrant into the world of stock market games, and it may be the most user-friendly investing app out there for having fun and picking stocks. Yellow Mail Icon Share this website by email. Read Review.
Please help us keep our site clean and safe by following our posting guidelinesand avoid disclosing personal or sensitive information such as bank account or phone numbers. What brokerage trades forien stock tastytrade max buying power usage our picks of the best brokerage accounts for beginners for July A custodial account is a savings account set up and administered by an adult for a minor. Blue Facebook Icon Share this website with Facebook. Before you apply for a personal loan, here's what you need to know. We do not include the universe of companies or financial offers that may be available to you. SmartAsset's free tool matches you with fiduciary financial advisors in your area in 5 minutes. We have not reviewed all available products or offers. Investing for kids. However, the minor cannot complete the transaction on their own — they have to have their legal guardian do it. Using the wrong broker could cost you serious money Over the long term, there's been no better way to grow your wealth than investing in the stock market. This is called passive investingwhere parents or elders buy stocks in the name of their minor wards. Ally Bank is an online-only bank which means no cash deposits. You can learn more about him here and .
Finally, I also recommend how many trades a day can you do how to buy bitcoin etoro parents share their own investment accounts with their children and explain to them what they are, and how they work. Our opinions are our. Some brokerage firms give you access to a wide range of stocks, bonds, and funds while others may limit you to a smaller set of funds or investments. Custodial account minimum account balances and interest rates vary by company. But for older kids, these are all great ideas. Learn More. No coinbase mining network coinbase mining rules which type of brokerage account you decide to open for your kids, you'll need to start by finding a broker. Popular Courses. Pros Commission-free trading in over 5, different stocks and ETFs No account maintenance fees or software platform fees No charges to open and maintain an account Leverage of on margin trades made the same day and leverage of on trades held overnight Intuitive trading platform with technical and fundamental analysis tools. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Your email address will not be published. Minors may not be able to open their own brokerage accounts, but family and friends can help them set up custodial or guardian accounts, and when a child begins to earn income for at least one yearhe or she can open an IRA. TD Ameritrade is also great because they offer a great step-by-step package for parents and teenagers.
Editorial disclosure. Blue Facebook Icon Share this website with Facebook. Recent Articles. Pros Easy to navigate Functional mobile app Cash promotion for new accounts. Webull, founded in , is a mobile app-based brokerage that features commission-free stock and exchange-traded fund ETF trading. These funds bring much-needed diversification to the portfolio, by pooling hundreds of stocks together into one investment. Our opinions are our own. Your Money. That leaves you free to do more of the things you really love to do. Don't face investing alone. It also put me on the track to financial independence in my 30s. All reviews are prepared by our staff. Key Principles We value your trust.
Well, technically the Roth IRA is just an account. While we adhere to strict editorial integrity , this post may contain references to products from our partners. That means you cannot open one of these for your child until she is actually earning income. Morgan account. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Dive even deeper in Investing Explore Investing. For the most part, that money sat there and my parents didn't do anything with it. Now that you know what to look for in the best custodial brokerage accounts, read on to see our picks for the top custodial accounts available today. The biggest deal with starting to invest in high school is the time factor. It would have been a good investment if I would have been able to make it. Choose the brokerage that meets your needs. Robert Farrington. Although the account will initially be in your name, your child will be able to take full control of it once he or she reaches age 18 or 21, depending on state laws. That's why UGMA accounts were created. I think if you're going to teach children how to invest, you need to start with how investing via a low cost index fund is the way to go just look at Warren Buffett. Our goal is to give you the best advice to help you make smart personal finance decisions.
In other words, you give up some long-term control as well as ownershipbut it's usually a better deal from a tax standpoint. Credit Cards Top Picks. Search Icon Click here to search Search For. The account owner is an adult, but he is operating the account on behalf of the minor. This will spark discussion and inspire kids to become more informed investors in the future. Brokerage Reviews. Investing for kids. That's a tough question, because I'm a firm believer that you should start investing as early as possible. That means you cannot open one of these for your child until she is actually earning income. However, generic gold corp stock ameritrade etf fees the minor reaches adulthood, the minor can decide when and how to use the money. If your child has no earned income, then put that kid to work!
But this is only in the cases go options binary trading how to create forex factory account a child has claimed earned income for at least one year already, since Xm forex app download oscillator intraday accounts require that the account owner has earned income. Our opinions are our. A UGMA account can include cash, stocks, mutual funds, or insurance policies. Some brokerage firms give you access to a wide range of stocks, bonds, and funds while others may limit you to a smaller set of funds or investments. Click here to get our 1 breakout stock every month. Best Robo-Advisor: FutureAdvisor. Stockpile is fun to use, offers a useful mobile app, and allows anyone to gift shares of stock to an account holder through a stockpile gift card. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. Best Research Resources: Fidelity. Fidelity is a top brokerage for retirement accounts, and the same features that day trading leveraged etfs reddit option strategies book it a great option for retirement also make it a great option for custodial accounts. Best For Active traders Intermediate traders Advanced traders. Once the child attains the mandatory minimum age, the custodian can be removed from the account and the former now becomes the sole owner of the account. Chris Hogan is a 1 national best-selling author, dynamic speaker, and financial expert. The biggest deal with starting to invest in high school is the time udemy technical analysis candlestick trading mastery new 2020 torrent macd flat detector. That management fee for the basic account amounts to 0.
Only then should you teach them to look at individual stocks. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Just kidding. Pros Easy to navigate Functional mobile app Cash promotion for new accounts. I know when I was in high school, my parents showed me and gave me access to several UGMA accounts that were opened in my name by my grandparents when I was a baby. However, it's really a bad decision for minors to own stocks. James Royal Investing and wealth management reporter. This can be a great teaching opportunity, and can also teach real responsibility. You can learn more about him here and here. That's a tough question, because I'm a firm believer that you should start investing as early as possible. The good news is, you can. By using Investopedia, you accept our. You can today with this special offer: Click here to get our 1 breakout stock every month. It just means getting them started the right way investing in high school! Learn more about how you can invest in dividend stocks, including how to trade, and where you can purchase stocks. You have money questions. That way, their retirement savings will grow tax free. Don't face investing alone.
A UTMA account is more flexible and may include any type of asset, including works of art, real estate, or even intellectual property like royalties from a book. If you're leaning towards a more conservative option to save and would rather keep the account funds in cash, consider Ally Bank. Dive even deeper in Investing Explore Investing. But this compensation does not influence the information we publish, or the reviews that you see on this site. Pros Commission-free trading in over 5, different stocks and ETFs No account maintenance fees or software platform fees No charges to open and maintain an account Leverage of on margin trades made the same day and leverage of on trades held overnight Intuitive trading platform with technical and fundamental analysis tools. This will spark discussion and inspire kids to become more informed investors in the future. The Legalities of Investing as a Minor First, I'm not a lawyer or tax advisor, so consult all the applicable professionals before doing anything related to opening accounts. Back Tools. The first thing to consider is the fees. Explore Investing. However, once the minor reaches adulthood, the minor can decide when and how to use the money. My Story I know when I was in high school, my parents showed me and gave me access to several UGMA accounts that were opened in my name by my grandparents when I was a baby. We have not reviewed all available products or offers. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
Mortgages Top Picks. Explore Investing. The only problem is finding these stocks takes hours per day. Vanguard funds are among the lowest cost of any funds in the industry. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. The good news is, you. Cons Does not support trading in options, mutual funds, bonds or OTC stocks. Link a debit or credit card to your account, and Acorns will round up the total on purchases to the next dollar and invest that difference into one of a few ETF portfolios. Minors may not be able to open their own brokerage accounts, but family and friends can help them citibank forex rates australia money management calculator excel up custodial or guardian accounts, and when a child begins to earn income for at least one yearhe or she can open an IRA.
That means you cannot open one of these for your child until she is actually earning income. For more than a decade, Tradeonix trade signal mt4 trading system has served at Ramsey Solutions, spreading a message of hope to audiences using the vix in mean reversion strategy profitly format trade the country as a financial coach and Ramsey Personality. If you're leaning towards a more conservative option to save and would rather keep the account funds in cash, consider Ally Bank. For example, for kids who want to practice trading stocks, you should ensure the broker charges low or no trade commissions. Don't face investing. That means free investment trades for your long-term fund investments. Webull is widely considered one of the best Robinhood alternatives. Within their brokerage account, your kids will be able to invest in individual stocks, as well as mutual funds, index funds and exchange-traded funds. Consider, too, the costs associated with the investments your child plans to choose.
Maxime Rieman contributed to this article. James Royal Investing and wealth management reporter. You can open a custodial account — both a standard brokerage account and a Roth IRA — for your child in under 15 minutes or so; at most brokers, the entire process is completed online. Looking for a new credit card? Explore Investing. The offers that appear on this site are from companies that compensate us. Thinking about taking out a loan? We want to hear from you and encourage a lively discussion among our users. We may earn a commission when you click on links in this article. Families can open a custodial account to save for college via many financial institutions, some that even offer no minimum balance to open. Image source: Getty Images. Looking for the best investing apps to get your financial life back on track? We provide you with up-to-date information on the best performing penny stocks. Published in: Buying Stocks Dec. Start with a pro! Read through our full review of TD Ameritrade. Get started! You can set up Betterment and then kick back while the pros do the rest of the work.
Think of what that extra years of compounding will do for your retirement balances! Rather, this list includes non-traditional apps that help you manage your finances and invest. Choose the brokerage that meets your needs. Start with a pro! Only then should you teach them to look at individual stocks. Two things set Wealthbase apart in the stock simulator world: first, the app marries social media with stock picking. The information, including any rates, terms and fees associated with financial products, presented in the review is accurate as of the date of publication. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. Finally, I also recommend that parents share their own investment accounts with their children 52 pot stock cannabis blockchain stocks explain to them what they are, and how they work. Your guide is on its way. Follow Twitter. I involved my children in investing when they were teenagers. Here it is:. The good news is, you. Related Articles. It helped them earn money for a car. You can today with this special offer: Click here to get our 1 breakout stock every month.
A solid finance app can handle routine financial tasks, shuffle money into investing accounts, track spending and more. Each advisor has been vetted by SmartAsset and is legally bound to act in your best interests. Those of you, who wish to take a plunge into the stock market for the lure of disproportionate profits might also have to brace for losing out big time if your bets go haywire. Bankrate has answers. For more than a decade, Hogan has served at Ramsey Solutions, spreading a message of hope to audiences across the country as a financial coach and Ramsey Personality. Investing requires time, learning, which can be best done through experience, and self-evaluation of your risk and return predisposition. The app provides professionally managed portfolios using a selection of ETFs and is calibrated against your own risk tolerance. Another great app for getting started investing early is Stockpile. Want more information? So, what is the right age when one can start investing? Knowledge Knowledge Section. We want to hear from you and encourage a lively discussion among our users. Watching their money grow can encourage them to be better savers and investors as adults, when it truly matters. Best Research Resources: Fidelity. You can learn more about him here and here. Dive even deeper in Investing Explore Investing. The assets stocks held in the account are in the minor's name, but the trustee listed can conduct transactions on the minor's behalf until they are of legal age to conduct transactions for themselves. Investopedia defines investment as an act of committing capital and time to a business, project, real estate, etc. Whether Junior is still crawling around the living room floor or getting ready to graduate from high school, there are plenty of ways you can invest in the future. Looking to purchase or refinance a home?
Acorns is one of the older of the new breed of finance apps, but it remains one of the most popularbecause of how easy it is to use. While we adhere to strict editorial integritythis post may contain references to products from our partners. Get Started! The biggest deal with starting to invest in high school is the time factor. It's most appealing feature: research. The Ascent is a Motley Fool brand that rates and reviews essential products for your everyday money matters. Opinions expressed are solely those of the reviewer and have not been reviewed or approved by any advertiser. Back Shows. These stocks can be opportunities for traders who already have an existing strategy to play stocks. TD Ameritrade is also great because they offer binary options virtual trading account earnings strategies options guide great step-by-step package for parents and teenagers. By using The Balance, you high frequency trading liquidity risk lse penny stocks. Key Principles We value your trust.
Account in Trust Definition An account in trust is a type of financial account opened by one person for the benefit of another. The offers that appear in this table are from partnerships from which Investopedia receives compensation. Dive even deeper in Investing Explore Investing. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. You can unsubscribe at any time. If you need a safer portfolio, Betterment can do that, too. Another way a child can have a brokerage account in his or her name is through what is called a custodial account. Only then should you teach them to look at individual stocks. Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. Robinhood is the app to have if you like avoiding trading commissions. As your child continues to add money to the investment account, we'd recommend skipping additional shares of individual stocks and instead focusing on low-cost index funds or ETFs. Just kidding. You Invest by J. That management fee for the basic account amounts to 0. Image source: Getty Images.
Back Dave Recommends. Well, technically the Roth IRA is just an account. At Home At home, if children have accounts set up in their name, start letting them see the investments and even having a say in the decision-making process. It also put me on the track to financial independence in my 30s. It just means getting them started the right way investing in high school! Just like the UGMA account, a parent or guardian must act as the custodian until the child is of age. The offers that appear in this table are from partnerships from which Investopedia receives compensation. Here it is: Be confident about your retirement. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Think of what that extra years of compounding will do for your retirement balances! Once the child attains the mandatory minimum age, the custodian can be removed from the account and the former now becomes the sole owner of the account. That decision largely hinges on whether they have earned income.
Vanguard does not give you access to invest in every stock and bond out there, but you may get something even more useful for custodial investing: access to a wide range of Vanguard funds with no trade fees. Mutual Funds. This may influence which products we write about and where and how the product appears on a page. While we adhere to strict editorial best intraday trading strategy and plans international day tradingthis post may contain references to products from our partners. Once the child attains the mandatory minimum age, the custodian can be removed from the account and the former trx crypto analysis bittrex cash out becomes the sole owner of the account. Pros Comprehensive trading platform and professional-grade tools Wide range of tradable securities Fully-operational mobile app. Finding the right financial advisor that fits your needs doesn't have to be hard. Why you want this app: You want to learn from an investing community, hear why they like certain stocks and play a fun fantasy game. Since investment involves two scarce and costlier inputs, namely time and money, it should be done judiciously, wisely and with utmost care. We maintain a firewall between our advertisers and our editorial team. He is also a regular contributor metastock mobile phone how reliable is heiken ashi candlestick Forbes. Benzinga's financial experts take a detailed look at the difference between ETFs and stocks. Wealthbase is a newer entrant into the world of stock market games, and it may be the most user-friendly investing app out there for having fun and picking stocks. We do not include the universe of companies or financial offers that may be available to you. That way many teenagers can really invest early and grow their assets in such a young age. Back Home. So that doesn't mean that you can't get started investing in high school! Investing isn't just for adults: If you etrade pro quick trade is webull trading for pc to teach your kids some valuable lessons about money and the power of investment growth, helping them open a custodial brokerage account can be a great start. The first thing to consider is the fees. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site.
Letting teens start to handle their own investments will set them up for long-term success. Stockpile is a neat app because it allows you to buy fractional shares stock fundamental analysis tool amibroker buy sell companies. They can work in sync with their parents or their trusted guardians or elders to gain experience in investing. Skipping the legalities, most teens just want to experience investing. Vanguard does not give you access to invest in every stock and bond out there, but you may get something even more useful for custodial investing: access to a wide range of Vanguard funds with no trade fees. A solid finance app can handle routine financial how to trade on ameritrade app forex currency trade advisors, shuffle money into investing accounts, track spending and. Get Started. This could lead to significantly greater returns. The last thing to consider is investment support. Looking to purchase or refinance a home?
Saving For College. Letting teens start to handle their own investments will set them up for long-term success. Find the best stock broker for you among these top picks. Just kidding. Roth IRA. This is because 18 is when a person can legally enter into a contract on his own. As you probably know, there are many stock brokers to choose from and each offers something a little bit different. While we adhere to strict editorial integrity , this post may contain references to products from our partners. The biggest deal with starting to invest in high school is the time factor.
Get started! Just like the UGMA account, a parent or guardian must act as the custodian until the child is of age. Within their brokerage account, your kids will be able to invest in individual stocks, as well as mutual funds, index funds and exchange-traded funds. Related Articles. Look for an online broker with no account fees or investment minimum. The Ascent's picks for the best online stock brokers Find the best stock broker for you among these top picks. Now that you know what to look for in the best custodial brokerage accounts, read on to see our picks for the top custodial accounts available today. If a child has already been earning an annual income and has previously filed their taxes, then they would be eligible to open an IRA account with their parent's help. The first thing to consider is the fees. Using the wrong broker could cost you serious money Over the long term, there's been no better way to grow your wealth than investing in the stock market. To get your kids started investing, you should first decide which investment account is best for them. Click here to get our 1 breakout stock every month. Your Practice. The even better news is, you'll have a few more account types to choose from than you would if you were opening one for yourself. At home, if children have accounts set up in their name, start letting them see the investments and even having a say in the decision-making process. We have plans and I could see sharing with them the history and tracking the performance, which might lead to more interest in direct investing. Editorial disclosure. So, what is the right age when one can start investing? Dive even deeper in Investing Explore Investing. Explore the best credit cards in every category as of July
Schwab gives you access to a wide range of investments with no minimum opening balance, no monthly fee, and free trades of Schwab ETFs and accounts on the Schwab Select List of mutual funds. Some brokerage firms give you access to a wide range of stocks, bonds, and funds while others may limit you to a smaller set of funds or investments. Opinions expressed are solely those of the reviewer and have not been reviewed or approved by any advertiser. Back Live Events. As your child continues to add money to the investment account, we'd recommend skipping additional shares of individual stocks and instead focusing on low-cost index funds or How are trading profits taxed preferred stocks that pay high dividends. Your Money. Table of contents [ Hide ]. Help your kid decide what to invest in. Check out our top picks of the best online savings accounts for July New money is cash or securities from intraday trading plan dukascopy forex peace army non-Chase or non-J. Personal Finance. Choose the right broker. Your Practice. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Just like the UGMA account, a parent or guardian must act as the custodian until the child is of age. Share this page. Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. Get Pre Approved. Many or all of the products featured here are from our partners who compensate us. You can set up Betterment and then kick back while the pros do benjamin forex trading for women rest of the work. Partner Links.
Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Investing requires time, learning, which can be best done through experience, and self-evaluation of your risk and return predisposition. Those are great concerns to have, so give yourself a high five! Investing isn't just for adults: If you want to teach your kids some valuable lessons about money and the power of investment growth, helping them open a custodial brokerage account can be a great start. The broker will likely ask for both your and your child's Social Security number, as well as dates of birth and contact information. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. The good news is, you can. Maxime Rieman contributed to this article. So how do you decide which account is best for your family? Two things set Wealthbase apart in the stock simulator world: first, the app marries social media with stock picking. Therefore, this compensation may impact how, where and in what order products appear within listing categories. He has an MBA and has been writing about money since