Introduction : for the young, fabulous & broke -- Operating manual -- 1. Know the score. What your credit report says about you ; How your credit score runs your financial life ; Smart moves for boosting your score -- 2. Career moves. Surviving on a too-small paycheck ; Paying your dues ; Dealing with office politics ; Effective job hunting -- 3. Give yourself credit. Qualifying for the best credit card deals ; Balance transfers ; Fee traps ; Protecting a low interest rate ; The best way to pay down your balances -- 4. Making the grade on student debt. Consolidation strategies ; Payback options -- 5. Save up. Squeezing more out of what you make ; Paying off debt vs. saving ; CDs, money markets, money funds -- 6. Retirement rules. Why you can't afford to pass up a 401(k) company match ; How a Roth IRA trumps your 401(k) ; The right way to do an IRA rollover -- 7. Investing made easy. The best funds for your 401(k) and Roth IRA ; Diversifying your risk ; Dollar cost averaging -- 8. Big-ticket purchase : car. The lease trap ; Financing tips ; Cash back v. zero-percent loan ; Auto insurance -- 9. Big-ticket purchase : home. Making the move from renter to homeowner ; Running the mortgage maze ; Private mortgage insurance ; Protecting your home -- 10. Love & money. Merging finances when you merge lives ; Life insurance ; Wills ; Trusts ; Power of attorney ; Borrowing from friends and family -- Don't do it.