I’m new around here, where do you recommend I start?

With our Money Quiz! In order to start making decisions about your money, you need personalized guidance. Take our FREE money quiz to get a step-by-step financial plan.

Can Tori be my personal finance coach/advisor?

Although Tori no longer offers personalized coaching services, we have some resources that could help.

  • First, the Financial Feminist podcast is incredibly useful for all topics.
  • I would also recommend taking our free money quiz - this is going to give you some personalized action steps towards your goals!
  • Finally, we have a Facebook Community specifically for Personal Finance Advice where you can drop questions, share tips, and support each other through your financial journey. I would encourage you to drop your questions in there, too, as we have a community of over 100k members, many of whom are going through the same experience and would be happy to share their knowledge.

Credit Cards

Does closing a credit card negatively affect credit?

Yes and no. You should never close your very FIRST credit card as that is your oldest line of credit and will help by showing your established credit history. Additionally, you should never close a credit card with a balance due. 

If you don't need your score in the near future (AKA you’re not planning on applying for a loan, changing jobs, etc), closing an account shouldn’t affect your score and if it does, it should be able to recover quite quickly.

Is there a pro or con of being added or adding an authorized user on your credit card?

Making someone an authorized user means you are giving that person permission to use your credit card, regardless of whether they are related to you or not. One of the pros is that you can share this card with your spouse or even your employees at work without having to open another card. Additionally, that person can help build your credit and improve your score.

The two main disadvantages are that you are now sharing a credit limit (how much you can spend on that card) with someone else, and you are solely responsible for the spending habits of that person.

Best credit cards for students, travel, etc.?

You can check out all of our student, travel business, and cash back credit card recs here!


Why should you roll over your 401(k) into an IRA?

Because your 401(k) is employer-sponsored, it doesn’t automatically follow you if you switch jobs. We recommend rolling it over into an IRA for a couple reasons:

An IRA is a tax-advantaged retirement savings account that allows you to personally choose your investments to best reach your goals. Plus, IRAs typically have lower maintenance fees than employer-provided 401(k)s, but they often have a wider selection of investment options so that you can find the offer that best fits your needs and goals.

Basically, an IRA gives you the most BANG for your buck, and we are all about that.

We recommend you let our official partner, Capitalize, handle the rollover— they even help you choose the IRA that will best fit your needs and give you the most peace of mind for your financial future. You won’t have to do ANY heavy lifting. Instead— let their expert agents provide white glove concierge service.

What’s the difference between a 401(k) and an IRA?

Unlike 401(k)s which are usually sponsored by your employer and include an “employer match,” IRAs are tied to you and you only.

In addition to being an individual account, the other unique difference between a 401(K) and an IRA is that in a normal year, you have 15 months to contribute (instead of 12). For example, you can contribute not just from January to December of 2020, but also from January to Tax Day of 2021. So, you have about three months extra to hit that max.

Learn more about the three different types of IRAs here!

Best way to start an investing fund for your kid?

Here are some of the most popular options to invest for your children’s future:

  • 529 Plans: These plans can be sponsored by states, state agencies, or educational institutions to encourage people to save for future education costs by investing the money in the account. Because of this, the specifics of the plans can vary considerably based on which state the plan is from. Additionally, many states offer specific benefits for people who are planning on attending a college in that state.
  • Custodial Brokerage Accounts: This is a type of brokerage account where the parent makes investment decisions for the money in the account until their child reaches legal age. Once the child reaches legal age, they then become the sole owner of the account and the money and investments inside of it and can do what they want with it.

For more info, consider joining our Stock Market School, an investing education platform for the Her First $100K. You can do so by signing up for our Investing 101 workshop.

I know nothing about investing! Where should I go to get started with investing?

We can't tell you how excited we are that you want to dive into investing. We know a few places where you could get some support on this:

  • If you're looking for some more extensive, step-by-step guidance when it comes to investing, I would recommend checking out Stock Market School and the Treasury community
  • You can also check out the Financial Feminist podcast episodes, Beginner's Guide to Investing (Spotify, Apple Podcasts) and Investing Q&A (Spotify, Apple Podcasts). These are both easy (and free!) ways to get the basics on investing if you're starting from square one. 
  • We have a Facebook Community specifically for Personal Finance Advice where you can drop questions, share tips, and support each other through your financial journey. I would encourage you to drop your same question in there, as we have a community of over 100k members, many of whom are going through the same experience and would be happy to share their knowledge.
  • Tori sometimes answers questions directly from listeners on the Financial Feminist podcast if you'd like to drop us a voicemail! You can do so here.

stock market school

My TD Ameritrade account is being transitioned to Schwab. What does this mean for my investing?

We just published an FAQ about this transition in Stock Market School. Click below to learn more and for videos that help walk through how to use your Schwab account!

Click Here

Can someone explain why the Investment Value that shows on Treasury, does not show on TD? Why are my investment values different?

Typically this is just because a TD Ameritrade account needs to relinked to Treasury. To relink the account you can go to the menu in the top right of Treasury and select ‘Accounts.’ From there select ‘Connect another TD Ameritrade Account’ and log in to TD. Once relinked the Investment Value on Treasury and TD should be the same.

One thing to note here, in your portfolio on Treasury we show Investment Value and cash separately. TD Ameritrade will often lump the value of your investments and your uninvested cash into a single number.

Which banks/brokers are able to be connected to Treasury? What is the benefit of connecting to TD Ameritrade?

Treasury supports linking brokerage accounts so that you can track your investments and, if you have a linked TD Ameritrade account, use the Treasury platform to make investments. There are two different ways to link accounts to Treasury:

TD Ameritrade accounts can be linked directly by going to Accounts in the Treasury Menu and selecting ‘Connect TD Ameritrade Account’

For non-TD Ameritrade accounts, Treasury uses a service called Plaid to link investment accounts so you can track your investments in one place and see other Stock Market School community members who have the same investments as you. Plaid supports connecting more than 12,000 financial institutions and are constantly adding more. 

To link an account via Plaid go to Accounts in the menu on top right and select ‘Connect other Investment Account.’

Treasury does not currently support linking bank accounts, just Brokerage (another name for investment accounts).

Can I link multiple TD Ameritrade accounts to Treasury?

Yes! If you want to connect multiple TD Ameritrade accounts you need to link them in TD Ameritrade (by logging into TD and selecting the button that says "+ Link / Add Accounts"

Once your accounts are linked on the TD Ameritrade side you'll be able to see and use both of them in Treasury!

I bought two shares that have appeared on my orders list for some time now with a blue clock next to them instead of the green check mark, implying they're still being processed. How can I make sure they went through?

We’d be happy to look into this for you. Please email and a member of the team will investigate.

If I have funds in my account, why are certain investments not being processed?... What are the reasons for someone’s order not being processed? 

We’d be happy to look into this for you. Please email and a member of the team will investigate.

How do I pick the right stocks/ properly diversify my portfolio?

I really love the collections of funds we've created within the Treasury platform. You can research them here, but if you're wondering what to buy and how to distribute your funds, these are a great place to start. When bought together, they provide diversification across different types of investments.

How do I pick between stocks and bonds? 

Hey there! A couple resources that should help ya out:

First, you should consider your age/target retirement date. This will impact how much is recommended to invest in bonds vs. stocks. We provide a rundown of bond best practices and some recommendations here that will be helpful.

Additionally, if you decide that you actually want to diversify by investing in stocks, or rather funds (groups of stocks) we have curated collections here. When bought together, they provide diversification across different types of investments. Hope this is a good start!

Are Tori/Team certified CPFs?

We are a team of specialists with experience in finance, however, Tori is not CPF certified. Therefore, we do not act as financial advisors. We cannot create your portfolio for you and manage your investments as financial planners do. The purpose of Stock Market School is to provide the education, ongoing resources, and community forum for you to learn how to do it yourself! You get to see what other members (including Tori) are investing in and be able to make personalized decisions based on your investment goals.

I am 53 years old and very very late in getting started (no longer have the benefit of decades of time on my side - no shame here (all the shame actually. Ha!)) Is the approach of this program for someone in my position?

I've seen multiple members write in with similar situations, and your position is significantly more common than you would expect! It's true that your timeline will look a little different, however, investing principles work exactly the same way, whether you are 23 or 53. In Stock Market School, we teach investing fundamentals and help you curate and automate your investments to fit your* goals and timelines. Through the initial Investing 101 workshop as well as our community and blog resources, you'll learn how much you need to retire and work backwards to create your own investing plan. We also have a Community forum, and when you join I would highly suggesting writing in to connect with others who have a similar timeline as you. 

budgeting & saving

How should you budget if your income varies from month to month?

We recommend taking 3 or 6 months and calculating your average income and expenses.

One budgeting method that works well for those with fluctuating income is the zero-based budget. It’s basically where you create a new budget every month and every single dollar you make has a purpose— whether it be for a savings goal, an expense, or discretionary spending.

You can learn more about budgeting for beginners here!

Is there any reason to use a regular savings account instead of a HYSA for any savings goals?

Tori's general recommendation on savings accounts is a HYSA - we have always said that the most important factors in choosing an HYSA are that it’s FDIC insured and that it’s actually a High Yield Savings Account. Start there, and choose the account that best fits your lifestyle and goals!
Here are a few places where Tori explains more on this:


What can I negotiate besides salary?

If a company is not willing to negotiate on salary and you still really want to take this job, or maybe they're willing to come up a bit on salary but not to where you need them to be, try negotiating a few of the following things.

  • A better title
  • More PTO (paid time off)
  • Work-from-home Days/a flexible schedule

For the complete list of things you can negotiate besides salary AND a step-by-step guide on how to negotiate a starting salary or raise, check out our Navigating the Negotiation course!

Where can I research my average salary to make sure I’m being paid fairly?

We recommend using tools like Glassdoor, Payscale, and


Do you offer financial advice and resources for other countries besides the US?

For Canadian Finances, click here.
For resources for France, the UK, and Australia, click here.
For our international glossary, which we try to update regularly, click here.


I can’t find the product I ordered!

Oh no! Please send an email to and we’ll get you sorted.


I want to be a guest on the FF podcast/I think my client would be great for the Financial Feminist Podcast! 

Please complete the Financial Feminist Guest Request Form. Our Podcast Manager will reach out if you’re a fit, and follow-ups are not necessary.

I want to have Tori on my podcast!

We're so excited you'd like to have Tori on your podcast! You can complete the Request Form here. Our Podcast Manager will reach out if you’re a fit, and follow-ups are not necessary.


I’d like Tori to speak at my event!

If you’d like Tori to speak at an event, please complete this form.

I’d like to partner with HFK!

If you’d like to partner with HFK, please complete this form

I’d like to interview Tori!

All press inquiries should be directed to