Expert Interview with Kayla Albert on Personal Finance for Young Workers for Mint

In 2012, The Dime started as a publishing center to get young people to think about retirement, and has grown into a smart, thoughtful take on personal finance. The Dime was started by Colorado PERA (Public Employees Retirement Association) as a way to communicate with younger members who might not be thinking about retirement. We spoke to Kayla Albert, the Dime's social media specialist and one of their top writers, about how it's put together and why personal finance is so important.

What are some common topics readers always want to know about?

Our readers like a broad range of topics, but they seem to be drawn to the money-saving tips they can take and apply to their everyday lives, such as finding new uses for everyday things or tips for saving on reoccurring bills.

What makes a good piece of financial advice?

Oftentimes good financial advice comes from firsthand experience - someone navigated through a particular situation and they tested tips for getting the best outcome.

That's how we choose links in our section the Dime Roll. They are interesting, well-thought-out articles with advice to benefit our readers. We try to vary the topics covered so there is something for everyone.

Why are so many of us in debt, and what can we do about it?

Unfortunately, many people today are strapped with so much student loan debt it can be hard to stay afloat, especially while avoiding consumer debt at the same time. Getting out of debt and establishing a strong financial footing starts with knowledge, motivation and a plan. If you don't know how to tackle your debt, there are a multitude of resources - including plenty of great personal finance blogs - with a mountain of tips to share. You simply have to be ready to get started.

How should younger workers approach credit cards?

It is extremely easy to get in over your head when it comes to credit cards - as much of the population can attest to. They can be a helpful tool for building credit, but the balance should be paid in full every month to avoid interest charges and other fees. Make sure you have a healthy emergency fund so you don't have to lean on credit cards when unexpected expenses pop up (as they always do).

What's the one thing you wish everyone knew about personal finance?

Without a stable financial footing, everything else can suffer - relationships, health, career. Taking control of your finances can seem like a daunting task, but the payoff far exceeds a healthy bank balance.

What would you recommend for somediv just getting a grip on their finances? Where should they start?

Read, read, read - and then read some more. There are so many great free resources out there where you can gather the knowledge you need to become a great money manager. No one will ever care about your money and financial health as much as you do, so it's up to you to be proactive and find what works for your particular situation.

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