conversation: User (aBoglehead): "If you're looking for a 2016 New Year's Resolution, watch these Khan Academy videos on personal finance (previous posts linked to a Visa/KA series, but this time I'm just linking to KA).  \n\n#NOTE: Videos marked with an asterisk ( \*) denotes they are at least partially applicable worldwide.  **To search for videos specific to your country I suggest Googling the title of the video followed by your country's name.**\n\n* [Compound Interest Basics](https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial) \*\n\n* [Interest Basics](https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/interest-basics-tutorial/v/introduction-to-interest) \*\n\n* [Credit cards and loans](https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/credit-card-interest/v/annual-percentage-rate-apr-and-effective-apr) \*\n\n* [Continuous CompoundI Interest and e](https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/cont-comp-int-and-e/v/e-through-compound-interest) \*\n\n* [Present Value](https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/time-value-of-money) \*\n\n* [Personal Bankruptcy](https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/personal-bankruptcy-tut/v/personal-bankruptcy-chapters-7-and-13)\n\n* [Mutual Funds and ETFs](https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial/mutual-funds/v/open-ended-mutual-fund-part-1) \*\n\n* [Retirement Accounts: IRAs and 401ks](https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial/ira-401ks/v/traditional-iras)\n\n* [Life Insurance](https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial/life-insurance/v/term-and-whole-life-insurance-policies) \*\n\n* [Investment and Consumption](https://www.khanacademy.org/economics-finance-domain/core-finance/investment-vehicles-tutorial/investment-consumption/v/risk-and-reward-introduction) \*\n\n* [Introduction to Stocks](https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/stocks-intro-tutorial/v/what-it-means-to-buy-a-company-s-stock) \*\n\n* [Bonds](https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds/bonds-tutorial/v/corporate-debt-versus-traditional-mortgages) \*\n\n* [Inflation Basics](https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/inflation-basics-tutorial/v/inflation-overview) \*\n\n* [Inflation Scenarios](https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/inflation-scenarios-tutorial/v/moderate-inflation-in-a-good-economy) \*\n\n* [Real and Nominal Return](https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/real-nominal-return-tut/v/real-and-nominal-return) \*\n\n* [Capacity Utilization and Inflation](https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/cap-util-inflation/v/economics-of-a-cupcake-factory) \*\n\n* [Deflation](https://www.khanacademy.org/economics-finance-domain/core-finance/inflation-tutorial/deflation-tutorial/v/deflation) \*\n\n* [Personal Taxes](https://www.khanacademy.org/economics-finance-domain/core-finance/taxes-topic/taxes/v/basics-of-us-income-tax-rate-schedule)\n\n* [Home Equity and Personal Balance Sheets](https://www.khanacademy.org/economics-finance-domain/core-finance/housing/home-equity-tutorial/v/introduction-to-balance-sheets) \*\n\n* [Renting vs. Buying a Home](https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-versus-buying-a-home) \*\n\n* [Mortgages](https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans) \*\n\n* [Home Buying Process](https://www.khanacademy.org/economics-finance-domain/core-finance/housing/home-buying-process/v/titles-and-deeds-in-real-estate)\n\n* [Importance of College](https://www.khanacademy.org/college-admissions/get-started/importance-of-college/v/college-experience)\n\n* [Introduction: Paying for College](https://www.khanacademy.org/college-admissions/paying-for-college/introduction-pfc/v/sal-khans-story-paying-for-college)\n\n* [Financial Aid Application Process](https://www.khanacademy.org/college-admissions/paying-for-college/financial-aid-process/v/overview-of-fafsa-and-css-profile)\n\n* [Grants and Scholarships](https://www.khanacademy.org/college-admissions/paying-for-college/grants-and-scholarships/v/types-of-grants-and-scholarships)\n\n* [Work Study](https://www.khanacademy.org/college-admissions/paying-for-college/work-study/v/working-during-college)\n\n* [\(Student\) Loans](https://www.khanacademy.org/college-admissions/paying-for-college/Loans/v/benefits-and-drawbacks-of-college-loans)\n\n* [Financial Aid Packages](https://www.khanacademy.org/college-admissions/paying-for-college/financial-aid-packages/v/financial-aid-package-components-part-1)\n\nWatch them this weekend.  You'll almost certainly learn something.\n\nPlease let me know if you find any other KA personal finance-related videos I left out.  I purposely omitted some of the less relevant videos within the Finance section (topics like "Shorting a Stock," etc.).\n"
  Self: "My new years resolution is to be 100% free of credit card debt by the end of the year. To do this I opened a card with a 0% balance transfer offer for 12 months and transferred my debt to that card. I plan to put my tax refund money towards what I owe and will also force myself to pay a certain amount every month so that it's paid off before January 1st 2017. I have also decided I will not charge anything this year so that I can achieve my goal. I have made it my personal goal to live within my financial means whatever way possible. As a bonus I have finally opened a savings account and have set up an automatic transfer to go through the day after I get paid. Taking this year seriously! "
  imbreaststroke (imbreaststroke): "Common advice found in this sub says that receiving a refund from filing taxes is a waste of money because that refund could be used throughout the year to earn money via investing.\n\nIf you accomplish your goal you might want to reconsider how much you're paying in taxes throughout the year.\n\nGood luck!"
  