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David Carlson

David Carlson

David Carlson is the founder of Young Adult Money. He is a nationally recognized speaker and the author of Student Loan Solution (2019) and Hustle Away Debt (2016). His opinions have been featured on such media outlets as The New York Times, The Washington Post, Cheddar, NBC's KARE11, and more.
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Other Posts By David Carlson

Quick Hits and Weekend Reading

Quick Hits and Weekend Reading

Welcome to the weekly Saturday Quick Hits and Weekend Reading post! Well yesterday we closed on a house. The rest of October will be spent primarily moving out of our apartment and getting settled into the house. There’s a lot of little time-consuming projects we want to do at the house, but I think in […]

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We Bought a House!

We Bought a House!

*Photo is not of the house we are purchasing* Later this evening I will be able to say I’m officially a homeowner. It’s hard to believe. I’ve talked about our house search in the past but today is the big day: our close date! It’s crazy how fast the process went; we literally went from […]

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Are you Factoring Opportunity Cost into your Decisions?

Are you Factoring Opportunity Cost into your Decisions?

Opportunity Cost. Many have heard the term and have a general idea of what it is, but how often do we factor in opportunity cost into our decision-making process? The definition of opportunity cost according to Investopedia is: The cost of an alternative that must be forgone in order to pursue a certain action. Put […]

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5 Steps To Take Towards Getting Financially Fit

5 Steps To Take Towards Getting Financially Fit

Sometimes the hardest part about getting “financially fit” (i.e. in a good financial place) is getting started. There are literally thousands of different things you can do to get your finances in order and improve your personal bottom line. The question is, where do you start? Today I share five steps you can take to […]

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Will Facebook and Zynga’s Decline Hurt the Housing Market?

Will Facebook and Zynga’s Decline Hurt the Housing Market?

Since the Facebook and Zynga Initial Public Offerings (IPO) their stocks have dropped significantly. The implications of this lost equity may have an unexpected effect: a slowing real estate market. As of close on Friday, Zynga (ZNGA) stock was at $2.48, a drop in excess of 75% from the IPO price of $10. Facebook (FB) […]

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What are Health Insurance Exchanges and How Do They Work?

What are Health Insurance Exchanges and How Do They Work?

Health Care Reform in the United States was a groundbreaking law that already has drastically changed the health care landscape. From the Medical Loss Ratio that put refund checks in the mailboxes of millions of Americans, to a mandate that forced health insurance companies to continue to cover dependents on their parent’s plan up to […]

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Quick Hits and Weekend Reading

Quick Hits and Weekend Reading

Welcome to the weekly Saturday Quick Hits and Weekend Reading post! It was a long week for me as it is quarter-close and as an accountant that means potentially longer hours and lots of “fire drills.” I narrowly escaped having to work today and subsequently would have only had a one-day weekend. Thankfully that didn’t […]

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Why Musicians Hate Spotify…and Why They Shouldn’t

Why Musicians Hate Spotify…and Why They Shouldn’t

A few months ago I wrote about how you can save money by using Spotify. Spotify is a website/app that allows you to stream music for free. If you are willing to pay just $4.99 a month, you get unlimited streaming on your laptop. For $9.99 a month you get unlimited streaming on your laptop […]

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How to Manage and Prioritize Your Time Better

How to Manage and Prioritize Your Time Better

People are busy. Really busy. In today’s day and age of constant communication through smart phones and an always-increasing number of commitments, how well you prioritize your time has a huge impact on your ability to accomplish goals. Time is a commodity – the most valuable one we have. You can never gain more time, […]

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How We Saved Hundreds of Dollars on Coffee

How We Saved Hundreds of Dollars on Coffee

A year ago I didn’t drink coffee besides frappuccinos. Today I can’t imagine starting the day without a cup (or two…or three) of coffee. Part of this is due to my self-inflicted 5:30am wake-up time and the fact that I still go to sleep about the same time as when I was waking up later. […]

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