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Justine Rivero
This is my generation's story, told by our lives' small victories, epic failures, and overwhelming hopes.

In a previous life, I wrote about the economy, business, and personal finance. When I saw the stories of my generation -- Millennials, Generation Y, you name it -- told through statistics, data, and by observers a few generation gaps away, I had to speak for my generation beyond the unemployment rate and overused labels like “boomerang kids.”

I’ve been published in Forbes, The Huffington Post, Kiplinger, Yahoo!, Business Insider, Christian Science Monitor, Examiner, The Wall Street Journal, and quoted in Reuters and The Wall Street Journal.

Say hi via Twitter to @justine_wants.

Entries by Justine Rivero

The Mid-20s Slump: How to Give a Damn About Your Career Again

(2) Comments | Posted January 29, 2013 | 3:37 PM

It's the quarter-life crisis no one talks about.

It hits long after the panic of job-hunting subsides and right before you realize you should've left your job six months ago. And it's why you aren't wildly pursuing the ambitious career goals of your greener years.

It hit me...

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The 20-Somethings' New Year's Resolutions

(0) Comments | Posted January 16, 2013 | 4:16 PM

It's time for us 20-somethings to, as Jay tells it, start chasing history.

Growing up, we learned how to build websites before learning to drive, drove social movements with a mouse click, and made overachieving our MO (thanks Zuckerberg). Yet we are reportedly failing every...

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3 Steps to Becoming an American

(4) Comments | Posted May 23, 2012 | 6:58 PM

A moderately epic tale of junk food, junk mail and fixing up the country.

#1: Eat Fruit Loops.

I lost eight pounds within a few months of moving to America. While that would be cause for celebration nowadays, I was five years old at the time and devastated to lose...

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3 Steps to Becoming an American

(0) Comments | Posted May 23, 2012 | 5:00 PM

A moderately epic tale of junk food, junk mail and fixing up the country.

#1: Eat Fruit Loops.

I lost eight pounds within a few months of moving to America. While that would be cause for celebration nowadays, I was five years old at the time and devastated...

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Forget Credit Scores: The Case for Credit Grades

(2) Comments | Posted May 1, 2012 | 10:41 AM

America's current average national credit score of 660 suggests that our credit health is failing.

Could the three-digit credit score number be to blame? With dozens of credit score models available, one survey found that 60 percent of consumers are confused about the scale of credit...

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Three Ways to Be Generous With Your Tax Refund

(1) Comments | Posted April 23, 2012 | 9:45 PM

After processing tens of millions of tax refunds in March, the Internal Revenue Service reports that tax refunds are averaging about $3,000 this year. Feel free to partake in a collective high five all around, folks.

With that hefty check on its way to your mailbox or already...

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Do Online Companies Know You Better Than You Know Yourself?

(0) Comments | Posted April 4, 2012 | 4:15 PM

In the age of oversharing, what don't companies know? Google reads your emails, Facebook promotes ads based on your interests, Amazon predicts what you'll buy, and even newcomer Pinterest knows what you want for your wedding.

It's estimated that American consumers spend 35.3 hours per month online, with...

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House Poor but Keeping Up With the Joneses

(31) Comments | Posted March 27, 2012 | 3:15 PM

Are you living beyond your means?

For most consumers receiving a steady paycheck and not struggling with financial difficulties like unemployment or crippling debt, the answer is likely to be no.

The reality is almost half of America -- 127.5 million people -- are liquid-asset poor and may not even...

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Report: 38% of Us Can't Afford a Financial Emergency

(1) Comments | Posted March 20, 2012 | 11:42 AM

Nearly 4 out of 10 consumers admit to having just enough money to pay their monthly bills with no cushion leftover for financial emergencies, reveals a report from Yahoo! Finance and Fitness Magazine.

According to the rest of the report:

  • 29 percent of consumer have enough money for...
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Fuggetaboutit: America's Rudest Cities Also Have the Best Credit

(1) Comments | Posted March 8, 2012 | 11:32 AM

When it comes to sh*t New Yorkers say, you probably wouldn't expect to hear, "I have a better credit score than you." Apparently, they're being modest.

The top five rudest cities nationwide, including New York City which was crowned the rudest city in America, also happen to also...

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Your Finances Are Killing Your Sex Life

(0) Comments | Posted February 29, 2012 | 11:00 PM

How stressed are you about money?

About one in five Americans would forgo sex for six months in exchange for having someone pay their bills. With Valentine's Day having just passed, worrying about rent and calculating your credit utilization rate certainly can kill the mood.

A recent...

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Ladies, Here's What You're Really Getting for Valentine's Day

(3) Comments | Posted February 14, 2012 | 4:22 PM

Your sweetheart may give you something sweet this Valentine's Day, but here's the rub -- it's probably not what you want.

For guys showing up for a hot date with candy and flowers, Cupid's arrow may miss its mark. While flowers, candy and dinner are projected to be this year's...

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The Best 4 Years of Your Life... Are Over: 5 Financial Steps for 20-Somethings

(1) Comments | Posted January 17, 2012 | 5:32 PM

In an impromptu Facebook and Twitter survey, I asked 20-somethings to fill in the blank: "When I think about my finances, I feel... " The top three answers were 1) Guilty, 2) Anxious and 3) Scared.

To further highlight the negativity among 20-somethings when it comes to finances, survey write-in...

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The 1% Versus The 99%: Who Has Better Credit?

(1) Comments | Posted November 8, 2011 | 10:23 AM

As Occupy Wall Street focuses much of its agenda around the financial health of America, we took a look at the personal side of financial health for both sides of the 1 percent and the 99 percent.

Occupy Wall Street highlights grievances on the growing wealth gap...

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Debit Fees: Someone Has to Pay the Piper

(1) Comments | Posted October 11, 2011 | 2:59 PM

Like airplane meals and the Wall Street Journal online, banking services just couldn't remain free forever.

When Bank of America slapped the $5 fee on debit cards, consumers, politicians, and President Obama himself cried foul. However, someone had to pay the piper, and in this case,...

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No Plastic Needed: Consumers and the Future of Mobile Payments

(3) Comments | Posted September 30, 2011 | 2:48 PM

Swiss Army-like mobile devices aren't just the stuff of Kubrick movies. While your smartphone already enables you to simultaneously run a conference call, check your stocks, and defeat hordes of thieving pigs, mobile devices may also transform the way you interact with money.

With the...

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To Pay or Not to Pay For College?

(2) Comments | Posted September 21, 2011 | 4:45 PM

College students are coming up with their own creative ways to pay for college as skyrocketing tuition fees and tough economic times have made it increasingly difficult for parents and financial aid to cover the full cost of college.

According to a report from Sallie Mae, parents...

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