A good way to ensure enough savings for retirement is to start investing at a young age. The earlier you start saving, the better, because starting to save in your 20s can net much more money over time than starting in your 30s, 40s or older.

Yet many market newcomers may become overwhelmed by all of the investment options available. How can young people get started with investing without feeling completely intimidated or inundated with choices? To help market newcomers invest with confidence, 12 members of Forbes Finance Council share their top investing tips for beginners.

Members of Forbes Finance…

One of the scariest aspects of owning a business is being tied to an unpredictable economy. As recent events have illustrated all too well, businesses may be susceptible to bumpy rides caused by various economic factors. Given the uncertainties within the economy, it is important for businesses to be prepared for occasional bad times.

One way to do so is by saving enough to ride out the rough spots. As such, 11 members of Forbes Finance Council share their best methods to make sure businesses have enough money to weather any economic downturn.

Members share tips for weathering an economic…

No one wants to feel like they’re scrambling for money every month, especially if they’re already working full-time and struggling to maintain a healthy work-life balance. However, that seems to be a common occurrence in today’s world of high spending and even higher debt.

Despite the current financial climate, there are many simple ways anyone can improve their financial literacy. We asked a panel of Forbes Finance Council members to share a few of their favorite tactics.

Members of Forbes Finance Council discuss ways to improve financial literacy.Photos courtesy of the individual members.

1. Use Your Debit Card Only

As…

If you didn’t grow up around people who invested, then chances are that you still may not know a whole lot about the process. It may seem like something you should do as an adult but otherwise difficult to wrap your head around. Particularly for young adults who entered the job market during the Great Recession, the idea of investing heavily in the stock market still carries a certain level of fear.

Yet, with the right knowledge and guidance, young investors are quite capable of successfully creating a portfolio that will deliver solid returns. To help you gain that crucial…

Many individuals reach significantly higher levels of earning — and spending — in their 30s. Many of them have moved up in their careers, branched out across sectors, started investing, gotten married or started a family, to name a few. All of these events can also drain savings significantly, not to mention cut into retirement plans.

With so much capital moving around, it is important to set goals and guidelines for how and when money is spent. To give you a better understanding of how 30-somethings can stay on track for general savings and retirement, 14 entrepreneurs from Forbes Finance…

You have a great business idea, a detailed business plan and the guts to take the leap — but where are you going to get the money to make it happen?

What often holds entrepreneurs back from starting their business is the lack of capital to get their startup running. Many aspiring business owners combat this issue by taking out personal loans. However, this can be a risky endeavor; your individual credit is at stake if your business fails and you’re unable to make payments.

If you’re considering a personal loan to fund your business, ask yourself these 12 questions…

Americans are in debt — a lot of it. A recent survey found that the average 25-to-34-year-old carries $42,000 in debt, and that doesn’t even include mortgages.

Because of this financial burden, many adults are delaying life milestones and putting off things like buying houses, getting married and starting families, and it seems there is no stopping the cycle. However, the experts at Forbes Finance Council have some smart strategies for young Americans to rid themselves of debt quicker. Follow their tips to give yourself the financial freedom to live your life on your own terms.

1. Pay Your Smallest…

Every year, the talk about online sales becomes more prolific as e-commerce giants continue to grow, giving way to a rising number of comments foretelling the demise of brick-and-mortar businesses. But are those voices telling true or are they just amplified by the current rise of e-commerce?

Certainly, in order to compete with online retailers, brick-and-mortar stores need to adjust their financial strategies and have solid action plans in place. To that end, we asked nine members of Forbes Finance Council to share their top business strategies for brick-and-mortar businesses to keep their footing and even beat their competition. …