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Money September 2018

MONEY helps you take charge of your finances, providing trusted advice to successfully earn, plan, invest, and spend. MONEY provides in-depth coverage of stocks, mutual funds, the markets, the economy, and the best things money can buy - from travel and technology to home and luxury goods. MONEY also gives you advice on college savings and retirement planning.

United States
Meredith Corporation
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where to skip crowds

WHY CHOOSE ONE WHEN YOU CAN USE BOTH? Re: “These Are the Best Banks for Service Members and Veterans” [August]. As retired military members, we found having accounts at USAA, Navy Federal Credit Union (NFCU), and a local bank works best for us. We use USAA for credit cards and loans due to the bank’s exceptional fraud division. We keep our savings and checking accounts with NFCU. NFCU also offers generous rates on CDs, including an 18-month CD with an APY of 2.35% on amounts up to $100,000. We opened a local savings account to use a convenient ATM or to cash checks. P.R. Niantic, Conn. TEACHERS LEAVING THE FIELD OVER LOW PAY Thank you for your fine and timely article “I Didn’t Really Have a Choice” [August]. One point not mentioned is that…

these are the 10 best burger joints in america

AMERICANS LOVE HAMBURGERS. And thousands of restaurants offer their own take on what, in essence, amounts to a grilled beef patty served between two buns. But some folks have mastered the art in ways the rest haven’t—winning awards or becoming local legends for their juicy burger meat or their sauce and condiment combinations. MONEY partnered with Yelp to find the best-loved burger joints in the country. Their menu offerings range from sloppy barbecue burgers to fried bologna burgers to diner-style standards—there’s even a burger with peanut butter and jelly in the middle. The Yelp algorithm factors in both the number of positive reviews and an eatery’s star rating. Price was not a factor. But with the costliest of these delicacies topping out at $13.50, and many costing under $10, you won’t have to…

i travel the world full-time. here’s how.

LIKE A LOT OF YOUNG PEOPLE, Ben Harris wants to travel the globe. Unlike most of them, Harris, 26, is doing it full-time. He has been to 39 countries over the past year and a half—all while working and even saving money. Harris and his boyfriend, 28-year-old Mariano Rebattini Capurro, have spent the past 18 months traveling the world, stopping everywhere from Sydney to Seoul. It might sound like one long, expensive vacation, but the pair have an unusual strategy to make their globe-trotting affordable. They’re part of a new iteration of the sharing economy: an online community of house sitters, where, with diligence and a little luck, they have become a top-rated couple on the website TrustedHousesitters. Throughout their no-cost stays in strangers’ vacant homes, which last anywhere from a few…

‘i saved $100,000 in 3½ years on a $54,000 salary’

AFTER GRADUATING from college in 2004, Bola Sokunbi challenged herself to save as much as possible. She admired the way her mother became a “hustle queen,” jumping into business after staying home to raise four children, and she wanted to start laying her own financial foundation. Working as a tech consultant in New York City, she managed to save 40% to 50% of her $54,000 annual salary. Sokunbi, who grew up in Austria and Nigeria, educated herself about the American retirement savings system along the way. One book that particularly influenced her was Smart Women Finish Rich by David Bach. “I read that book to shreds,” she says. Today, Sokunbi, 36, is an influencer herself. She quit her consulting job two years ago to concentrate on running Clever Girl Finance, her financial…

want to diversify? start here

THINK LIKE A DISRUPTER. This attitude is essential, no matter where you work. Think about your industry and how you can help your employer respond to change. Bring those solutions to your bosses and peers. ADOPT A SIDE HUSTLE. Driving for Uber or selling on Etsy are legitimate ways to earn extra cash. (Just don’t forget to report that income to the IRS.) You’ll want to make sure that your side gig doesn’t infringe on your main gig, Bachenheimer says. MAKE IT OFFICIAL. If you have an outside gig that takes off, you’ll want to start treating it more like a business and less like a hobby, Bachenheimer says. Also, think about opening a dedicated bank account and setting up the ability to accept credit card payments. If you take your business seriously, your customers…

how 8 successful executives make their commutes more productive

ARE YOU STILL SPENDING your commute playing Candy Crush or listening to morning talk show drivel? If so, next question: Why? According to the U.S. Census Bureau, the average American commute is 26 minutes long—each way. That’s an hour of time your life isn’t occupied by office or family, allowing for the opportunity to set a productive tone each day. MONEY reached out to eight people at the top of their game to ask them for their commuting strategies—and how they use that time in a productive fashion. Here’s what they had to say. MAKE LISTS I’m usually very busy, so being both efficient and strategic with my time is essential. I’m a listmaker, so I always keep a revolving to-do list going: short term, medium term, long term. Right now on my short-term…