Personal finance in the United States
Understand the US systems behind your money decisions.
Beginner-friendly explanations of employer retirement plans, individual retirement accounts, and credit—reviewed against official US sources.
Retirement
401(k) Guide for Beginners
Traditional and Roth contributions, employer matching, vesting, investments, fees, and 2026 limits.
Read the guide →RRetirement
Roth IRA Guide
Eligibility, contributions, qualified distributions, and how it differs from a traditional IRA.
Read the guide →✓Credit
How Credit Scores Work
Credit reports, scoring factors, monitoring, disputes, and safer credit-building habits.
Read the guide →Our source standard for US content
We prioritize the IRS, SEC and Investor.gov, Consumer Financial Protection Bureau, FDIC, Federal Reserve, Social Security Administration, Department of Labor, and official plan documents. Variable limits are dated and linked to the current source.
US-specific decisions
Why regional financial content matters
Retirement accounts, credit reporting, taxes, consumer protections, and contribution limits are jurisdiction-specific. MoneyAI separates US guides from universal budgeting and saving concepts so readers are not given a currency-swapped version of another country's rules.
Use annual limits carefully
Contribution limits and income thresholds are labeled by year and linked to the IRS. Confirm the current rule and your plan documents before changing a contribution. A general guide cannot determine eligibility, deductibility, or the tax result of a distribution.
Start with the document closest to your decision
For a workplace plan, read the Summary Plan Description and fee disclosures. For an IRA, use current IRS publications. For credit, review the underlying reports and CFPB guidance rather than treating a score as a permanent grade.
How MoneyAI reviews US content
Primary sources include the IRS, SEC and Investor.gov, Consumer Financial Protection Bureau, Department of Labor, FDIC, Federal Reserve, Social Security Administration, and official product or plan disclosures. Each guide displays a review date and links to the relevant authority.