Save for a home: Here's how much money you need for a house — and how to budget.

"How much do I need?" That's the first question out of every first-time homebuyer's mouth, according to Aaron Schwartz, a real estate agent with Branches Realty in Washington, D.C.

The rule of thumb, he said, is that you typically need 20% of the purchase price for a down payment, and can count on paying 2% to 5% of the purchase price in closing costs

But many people actually need a lot less for their down payment. And — surprise! — they often need more for closing costs.

Here's how much money you should save in an emergency fund so you don't end up broke AF

Every personal emergency is a crisis in a different way — a job loss, a sexual assault, a car wreck — each taking a unique toll on your life. But all emergencies come at the same time: when you least expect it.

You know you're one botched bike-ride away from major medical bills and serious time off work. But are you actually ready for sudden expenses or an unexpected drop in income?

In other words: Do you have an emergency stash of cash?