When you’re using your credit or debit card for all of your purchases, it’s easy to overspend. You might have a set budget, but there’s nothing in place to physically stop you from going over your limit.

Cash feels more real and tangible than the swipe or tap of a card. It feels more painful to spend it—and when it’s out of your wallet, it’s gone. You know automatically when to stop spending, because you literally can’t spend any more.

Yeah, I know. It’s unromantic—even heartless—to consider your partner’s financial situation a dealbreaker. Right? Well … maybe.

I’ve been in a relationship with someone who was bad with money. I’m a frugal person, and like a lot of people, I fell for my opposite.

Are your finances stressing you out? You're not alone.

Financial-wellness company Payoff released a study recently that shows about one in four Americans—and one in three Millennials—experience finance-related stress so severe that it can be classified as post-traumatic stress disorder (PTSD).

If you’re in medical school, chances are you’ll accumulate six figures in student debt before you earn a dime in your new career.

And for several years after school, you’ll be working a medical residency that pays far less than you’ll earn as a full physician—the average is around $51,000-$60,000 per year. Meanwhile, your student loan debt is hanging above your head.

According to the Department of Health and Human Services, the U.S. birthrate has tanked. And who’s to blame? Millennials.

There’s been plenty of hand-wringing about this in the media, along with elaborate think-pieces about why this might be happening. But if you’re a Millennial, your response might be a solid eyeroll. To many of us, the reasons people our age aren’t having more—or any—kids are screamingly obvious. But strap in, because we’re going to get into those reasons anyway.

If you’re like a lot of college graduates, you have multiple student loans, all through different lenders. 

To cut down on the confusion, you can consolidate your federal loans through a Direct Consolidation loan—or you can refinance them through a private lender, which may yield a lower interest rate. But is it the right choice for you? Let's take a closer look at the pros and cons of refinancing.