There's so much money advice out there that it can be difficult to differentiate the good ones from the bad ones.

"A new study shows just how hard it is for many Americans to get ahead.

It’s not hard to see why people aren’t saving more money, but the data on personal savings is still more than a little shocking.

Made some money mistakes you’re not exactly proud of?

Americans rely on credit and credit scores to give lenders an idea of their trustworthiness when they want to open a credit card, get a mortgage, or take out a loan.

People in the states with the highest incomes and highest costs of living don't necessarily have the most in the bank, data from GOBankingRates shows.

Still good advice from Libby Kane (photo, left).

"We spoke to Michael Solari, a certified financial planner at Solari Financial Planning, about the smartest things 30-somethings can do with their money to set themselves up for a prosperous future.

"Most people have no idea how their paychecks compare to the market average.

Tim Lemke, staff writer for Wisebread.

According to Nancy Mann Jackson (photo, left), "When East Carolina University dismissed for the semester on April 28 this year, 500 students left campus $100,000 richer.

"In the more than 15 years of experience working in the debt industry, I've heard every story under the sun about how someone fell into debt," writes Leslie Tayne (photo, left) of Credit.

"A while back, I was asked to give an hour long presentation where I talked about my key principles of personal finance," writes Trent Hamm (photo, left), of The Simple Dollar.

James Altucher has a different take on the subject.

"Ready to face the truth?

"[Sam Rio and BusinessInsider.

Katherine Muniz (photo, left), of MyBankTracker.

Alden Wicker of LearnVest lists 50 tips.

"Everyone is guilty of a bad habit or two," writes Libby Kane (photo, left).