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by Robin Hartill, CFP®Senior EditorDear Reader,As the clock ticks toward the new year, I’m looking back at the 10 most-read Dear Penny letters of 2021. Some big themes in my inbox from the past year: Want some advice on a money dilemma? No question is too awkward or tricky. This column is a judgment-free zone, and I’ll always keep your identity anonymous. Send your money questions to [email protected]. Check back

by Robin Hartill, CFP®Senior EditorNew year, new investing strategy? Sorry, but that isn’t what you’ll find here. Investing doesn’t really change from year to year. It requires patience, consistency and a focus on long-term results. That’s why our best investing tips for 2022 look familiar. The best ways to invest in 2022 will still be the best ways to invest in 2023 and even 2033. If you’re ready to make

by Kari FaberStaff WriterAh, the new year. Time to start fresh!And since you’ve already cut 2021 from your life (albeit, not by choice — but because, you know, time), you might as well keep going. Keep cutting those toxic people, traits and choices from your proverbial life diet and start 2022 feeling good.Where to start? Well, this is The Penny Hoarder, after all. Start by getting rid of those greedy

Best for passive investingBetterment$0minimumBest for micro-investingStash$0minimumBest for active tradingE*TRADE$0minimumBest for access to a financial advisorSoFi Automated Investing$0minimumby Rachel Christian, CEPF®Senior Writer Picking the best investment app can be a tough decision. After all, there are a lot to choose from. From micro-investing mobile apps that buy fractional shares with your spare change to active trading platforms equipped with advanced trading tools and market commentary, there’s an investment app for every

by Nicole DowSenior WriterThe blank slate of a new year is something to look forward to.But as we set financial goals for the upcoming 12 months, it’s important to think beyond broad declarations, like: “I want to save more money.” Without a clear plan mapped out, those types of resolutions often fall through.The 52-Week Money Challenge, on the other hand, is specific and concrete — offering a better chance to

by Katherine Snow SmithContributor Go no further than TikTok to find people quitting their jobs in high-drama ways. “I’d rather not pay my rent than work for someone like you,” a young woman says to her boss — with camera rolling. “Today is my last day working in this toxic workplace,” a one-line resignation message reads. Another man announces he’s quitting by playing the Justus Bennetts song Real Life Sux,