The New York Times bestselling money guide, providing time-tested financial advice on topics like saving, managing debt, investing for the future, and selecting insurance, is now revised and updated with all that Gen Z and millennials need to know now.

With over half a million copies sold, this classic has helped generations of young adults through booms and busts, recessions, and even a pandemic, by delivering consistent money advice in down-to-earth, no-drama language—while keeping pace with an evolving financial landscape.

Gen Z and millennials are experiencing an unprecedented affordability crisis: rents are higher than they’ve been in years, and the concept of buying a home seems like a pipe dream; they are carrying more debt than previous generations; and they are confronting a tough and unpredictable job market. Even with a secure job and a 401(k), the uncertainty of the economy, surging home prices, and the volatility of the market would make anyone anxious about their money decisions, let alone young people who are only just beginning their financial journeys.

In this totally revised and updated edition, Kobliner teaches readers how to pay down debt, get a good return on savings, and plan for the future. Straight from the latest research, she shows how to choose the right bank, avoid excessive fees, and rein in spending. Kobliner also offers unbiased advice on the latest trends in personal finance—from neobanks and social media influencers to online fraud and cryptocurrency. And she answers frequently asked money questions such as: When is it smart to rent rather than buy (and vice versa)? How can I improve my credit score? When is the right time to invest in the stock market—and how? How do I save money on taxes?

Get a Financial Life has already helped over half a million readers get a handle on their finances and build smart money habits, no matter how much—or how little—they have. No wonder it has remained the go-to personal finance resource for young adults for more than thirty years.