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# Erika Kullberg

I read the fine print so you don't have to

## Sitemaps

- [XML Sitemap](https://erika.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Best Travel Credit Card Sign-Up Bonuses in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-travel-credit-card-sign-up-bonuses/) - Find the best travel credit card sign-up bonuses to earn free flights, hotel stays, and luxury perks. Compare top offers and maximize your rewards.
- [How Do Credit Scores Work (and Why Do They Matter)?](https://erika.com/how-does-credit-work/) - Unravel the mysteries of credit scores! Learn how they work, who checks them, and strategies to boost your score effectively.
- [9 Holiday Travel Mistakes (And How to Avoid Them)](https://erika.com/holiday-travel-tips/) - Holiday travel can be chaotic, from delayed flights to lost luggage. But if you're prepared with these tips, you can save yourself money, time, and stress.
- [Layovers Don’t Have to Suck — Here’s How To Make the Most of Them](https://erika.com/how-to-make-the-most-of-layovers/) - Layovers don’t have to be boring or expensive. Here’s how to turn them into an affordable adventure on the way to your next destination!
- [Are Priority Pass Lounges Worth It?](https://erika.com/priority-pass-lounges/) - While Priority Pass lounges sometimes get crowded, they’re still often good places to relax before a flight and some offer pre-book access.
- [How To Transfer Your Bilt Points for Maximum Value](https://erika.com/how-to-transfer-bilt-points/) - Bilt has over 20 transfer partners that allow you to transfer Bilt Points to their loyalty programs directly — sometimes for great value. Here’s how to do it.
- [Best Credit Card Sign-up Bonuses in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-card-sign-up-bonuses/) - Unlock rewards with the best credit card sign-up bonuses. Find cards that suit your spending and goals, and offer redemption options.
- [Best Credit Cards for Restaurants and Dining in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-credit-cards-for-restaurants-dining/) - These are the best credit cards for restaurants — which may also reward groceries, gas, travel, and other common purchases.
- [Chase Sapphire Reserve® Review: Premium Perks for Frequent Travelers](https://erika.com/chase-sapphire-reserve-review/) - Discover the perks of the Chase Sapphire Reserve® – a travel credit card with a welcome bonus, travel credit, airport lounge access, and more.
- [Marriott Bonvoy Boundless® Credit Card Review: Rewards for Loyal Marriott Fans](https://erika.com/marriott-bonvoy-boundless-credit-card-review/) - With the Marriott Bonvoy Boundless, you can score free nights and late checkout, plus general travel perks like baggage insurance.
- [Are Travel Credit Card Annual Fees Worth It? How to Calculate the True Value](https://erika.com/annual-fee-vs-rewards-value/) - Not sure if a $795 annual fee is worth it? Here’s how to calculate a travel credit card’s true value based on perks, points, and sign-up bonuses.
- [The Smart Traveler’s Guide to Credit Card Rewards & Protections](https://erika.com/guide-to-credit-card-rewards-and-protections/) - Learn how to earn rewards, manage points, and maximize travel protections like trip insurance, elite status, and flight delay compensation.
- [Best Credit Cards to Build Credit in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-credit-cards-to-build-credit/) - These are the best credit cards for building credit, whether you're just starting with credit cards or looking to rebuild your credit score.
- [Best Credit Cards for Students in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-cards-for-students/) - If you're still in school, you want a student credit card that will earn you rewards but without charging a high fee or requiring a high credit score.
- [Best Credit Cards With No Foreign Transaction Fees in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-no-foreign-transaction-fee-credit-cards/) - No-foreign-transaction-fee credit cards can help you avoid surcharge shenanigans and keep your travel expenses low.
- [Best Travel Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-travel-credit-cards/) - These are the best travel credit cards on the market for those new to traveling as well as seasoned travelers.
- [Best Credit Cards for Flight Delay Compensation in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-cards-flight-delay-compensation/) - Flight delayed? These credit cards offer compensation for food, lodging, and expenses when you’re stranded. Find the best one for your travels!
- [Best Chase Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-chase-credit-cards/) - The best Chase cards on the market come with great sign-up offers and ways to earn big rewards points for your purchases.
- [Best Airline Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-airline-credit-cards/) - The best airline credit cards allow you to earn significant perks like free checked bags and priority boarding.
- [Best Rewards Credit Cards in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-rewards-credit-cards/) - From cashback to travel perks, rewards credit cards offer a lot of incentives for spending. Here's how to find the best card for you.
- [Chase Sapphire Preferred® Card Review: Our Top-Pick Travel Card](https://erika.com/chase-sapphire-preferred-card-review/) - Unlock travel rewards with the Chase Sapphire Preferred® Card. Earn bonus points, enjoy flexible points, travel perks, and insurance benefits.
- [Best Credit Cards With Travel Insurance in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-credit-cards-with-travel-insurance/) - These credit cards offer coverage for things like lost baggage, flight delays, damaged rental cars, and more.
- [How to Maximize Your Chase Sapphire Preferred® Benefits](https://erika.com/how-to-maximize-chase-sapphire-preferred/) - The card has benefits ranging from $15 Instacart credits to free hotel nights — and that’s not even including transfer partners.
- [American Express® Gold Card Review: A Foodie-Friendly Travel Card](https://erika.com/american-express-gold-card-review/) - Unlock rewards with the American Express® Gold Card! Earn 60,000 Membership Rewards Points, 4X points on dining, and more.
- [How To Transfer Your Chase Ultimate Rewards® for Best Value](https://erika.com/how-to-transfer-chase-ultimate-rewards/) - Strategically transferring your Chase Ultimate Rewards® to partners can save you hundreds (or even thousands!) of dollars on flights and hotel stays.
- [Guide to World of Hyatt Rewards and Redemptions](https://erika.com/world-of-hyatt-guide/) - With World of Hyatt, you can redeem points for hotel stays and upgrades, or transfer to partners like airlines. Here’s how to know if it fits your travel plans.
- [Best Chase Business Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-chase-business-credit-cards/) - From generous welcome offers to points powerhouses and cashback simplicity, there’s a Chase business card for just about every need.
- [Chase Sapphire Reserve for Business℠ Review: A Premium Business Card](https://erika.com/chase-sapphire-reserve-business-review/) - The new Chase Sapphire Reserve Business℠ credit card is designed for business owners who want premium travel experiences and big rewards.
- [Best Business Credit Cards for Travel in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-business-credit-cards-for-travel/) - The best business travel credit cards offer valuable perks like lounge access, trip insurance, and the ability to earn significant rewards on business expenses.
- [Best Checking Accounts in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-checking-accounts/) - Discover the best checking accounts! No fees, nationwide ATMs, and seamless mobile banking. Find the perfect fit for your banking style.
- [SoFi Unlimited Credit Card Review: Earn 2% Cashback With No Annual Fee ](https://erika.com/sofi-credit-card-review-cashback/) - The SoFi Unlimited 2% Credit Card lets you earn cashback rewards, which can be redeemed as a statement credit or with other SoFi products.
- [CIT Bank Review: Earn Up to [sc name="cit-bank-platinum-savings-apy"][/sc] APY](https://erika.com/cit-bank-review/) - Considering opening a CIT Bank account? Here is a full breakdown of what financial products they offer and how much interest you can earn.
- [Best High-Yield Savings Accounts in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-high-yield-savings-accounts/) - A high-yield savings account will help you grow your savings faster, thanks to a high APY. Compare the best accounts currently on the market.
- [How To Transfer Your Citi ThankYou® Points](https://erika.com/how-to-transfer-citi-thankyou-points/) - A well-timed transfer could help you get 1.2, 1.5, or even 2 cents per point in value out of your Citi ThankYou® Points, versus the usual 1 cent rate.
- [Best Credit Cards for Rental Car Insurance in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-cards-rental-car-insurance/) - Tired of $30/day rental car insurance? These top credit cards have built-in coverage. Here’s how to use it right — no extra fees, no stress.
- [Best Airline Credit Card Sign-Up Bonuses in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/airline-credit-card-sign-up-bonuses/) - Airline credit card sign-up bonuses can unlock free travel. See our picks for the best cards and learn how to earn rewards fast and maximize your miles.
- [Erika Kullberg's Favorite Credit Cards in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-credit-cards/) - From first-time cardholders to frequent travelers, here are the best credit cards for earning rewards and offsetting travel costs.
- [Best American Express Cards in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-american-express-cards/) - Find out which American Express card is best for you, by comparing points value, benefits, and annual fees.
- [Capital One Venture Rewards Credit Card Review](https://erika.com/capital-one-venture-rewards-card-review/) - Unlock premium travel rewards with Capital One Venture Rewards Card: $750 bonus, 2X miles on every purchase, and exclusive benefits.
- [Family-Friendly Destinations with Cultural Activities](https://erika.com/family-friendly-cultural-destinations/) - Plan a meaningful family trip with cultural activities like cooking classes, local festivals, and kid-friendly museums in one of these top destinations.
- [Best Hotel Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-hotel-credit-cards/) - A hotel credit card can help you earn rewards to use for your next trip. Here are the best credit cards for some of the most popular hotels.
- [Best American Express Business Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-american-express-business-credit-cards/) - Amex offers some of the best business cards, ranging from premium ones for more established businesses, to low- or no-fee cards for those starting out.
- [Best Luxury Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-luxury-credit-cards/) - These premium credit cards offer luxury perks like airport lounge access, elite status with airlines and hotels, and credits for travel, entertainment and more.
- [Best Delta Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-delta-credit-cards/) - If you prefer Delta over other airlines, you can score unique perks, discounts, and travel bonuses through a co-branded Delta credit card.
- [Best Credit Cards With Free Checked Bags [sc name="year"][/sc]](https://erika.com/best-credit-cards-with-free-checked-bags/) - Hate traveling with just a carry-on? These credit cards can score you free checked bags with airlines like American, JetBlue, and Delta.
- [How To Find the Best Family Travel Discounts & Deals](https://erika.com/family-travel-discounts/) - Make family vacations more affordable! Find discounts on flights, hotels, and activities while using travel rewards and memberships to cut costs.
- [Guide to Southwest Rapid Rewards®: How To Earn and Redeem for Best Value](https://erika.com/southwest-rapid-rewards-guide/) - Rapid Rewards points can only be redeemed for Southwest flights, but if you’re loyal to Southwest, you can still get some great redemptions.
- [Bilt Review: Earn Rewards on Your Rent or Mortgage](https://erika.com/bilt-rewards-review/) - Bilt Rewards lets you earn points on your rent/mortgage payments, which you can redeem for travel, fitness classes, and even to pay down your student loans.
- [Best United Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-united-credit-cards/) - If you frequently fly United, a co-branded credit card could get you perks like priority boarding, free checked bags, travel credits, and lounge access.
- [Quicken Simplifi Review: Solid Budgeting Made Easy](https://erika.com/quicken-simplifi-review/) - Quicken Simplifi allows you to see all of your income and expenses at a glance, plus plan for saving and investing. Here’s how to decide if it’s right for you.
- [Best Budgeting Apps in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-budgeting-apps/) - Budgeting apps simplify the task of managing your spending, so it doesn’t have to be a chore. Here are some of the best budgeting apps today.
- [Best Credit Cards for Trip Cancellation Coverage in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-credit-cards-trip-cancellation/) - See which credit cards are best for trip cancellation coverage, such as Chase Sapphire Preferred®, Amex Platinum, and Capital One Venture X.
- [Best Capital One Business Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-capital-one-business-credit-cards/) - If you want to earn unlimited miles or cashback, these Capital One business credit cards offer straightforward rewards with plenty of perks.
- [Best Business Credit Cards in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-business-credit-cards/) - The best business credit cards have strong welcome bonuses, rewards on regular business expenses, and other perks tailored to your needs.
- [Chase Ink Business Preferred® Credit Card Review: Low Fee, High Rewards](https://erika.com/chase-ink-business-preferred-credit-card-review/) - The Chase Ink Business Preferred® Credit Card offers a stellar rewards program and the ability to transfer points to travel partners.
- [The Business Platinum Card® from American Express Review: Premium Travel Perks](https://erika.com/american-express-platinum-business-card-review/) - If you’re a business owner with high annual spending, The Business Platinum Card from Amex offers generous travel benefits and rewards.
- [Marcus by Goldman Sachs Savings Account Review: High APY, No Fees](https://erika.com/marcus-online-savings-account-review/) - For a high-yield savings account with a competitive APY and no monthly fees, Marcus by Goldman Sachs could be a good choice.
- [Ally Bank Review: No-Fee High-Yield Savings](https://erika.com/ally-bank-review/) - Ally Bank has minimal fees, high interest rates, and the ability to set up savings buckets for specific goals.
- [SoFi Bank Review: Fee-Free High-Yield Savings](https://erika.com/sofi-bank-review/) - SoFi is a full-service online bank that offers checking and savings accounts, student loan refinancing, investments, mortgages, and more.
- [Best Business Checking Accounts in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-business-checking-accounts/) - The best business checking accounts have minimal fees, earn lucrative interest, and offer a big welcome bonus. Compare our top picks.
- [Best Bank Accounts for Freelancers in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-bank-accounts-for-freelancers/) - The best bank accounts for freelancers make it simple to invoice clients and help you set aside the right amount of money for taxes.
- [Best Gas Credit Cards in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-gas-credit-cards/) - Here are the best gas credit cards for everyone from small business owners to cashback fans to those who refuse to pay an annual fee.
- [Best Credit Cards for Beginners in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-cards-for-beginners/) - These are the best credit cards for beginners at the moment, with features to help you learn strong financial habits and build your credit.
- [Best Credit Cards for Airport Lounge Access in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-cards-airport-lounge-access/) - Want free airport lounge access without elite status? These are the best credit cards for families, solo travelers, business trippers, and budget fliers.
- [Best Credit Cards for Families in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-credit-cards-for-families/) - The right credit card can turn everyday family expenses, like groceries, gas, and streaming services, into cashback or even free flights and hotels.
- [Best No-Annual-Fee Credit Cards for [sc name="month" ][/sc] [sc name="year"][/sc]](https://erika.com/best-no-annual-fee-credit-cards/) - These are the best no-annual-fee credit cards for rewards and savings. From spending to travel, find your ideal card with zero annual fees.
- [Best Cashback Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-cash-back-credit-cards/) - Discover the best cashback credit cards. Maximize your rewards with generous percentages and welcome offers.
- [Erika Kullberg’s Guide to Flight Cancellation Compensation: How To Get What You're Owed](https://erika.com/flight-cancellation-compensation/) - Flight canceled? The airline must rebook you or offer a refund, and, depending on the cancellation, you might be eligible for food vouchers and a hotel room.
- [Your Ultimate Guide to Earning and Redeeming Chase Ultimate Rewards®](https://erika.com/chase-ultimate-rewards/) - Chase Ultimate Rewards® points can get you cashback, gift cards, nearly-free airline tickets, hotel stays, and even theme park tickets!
- [How To Earn Credit Card Points Fast for Travel](https://erika.com/how-to-earn-credit-card-points/) - If you’re saving for a trip or just plan to travel more, use these strategies to maximize the amount of credit card points you earn.
- [How To Use Chase Travel℠ to Book a Trip on Points](https://erika.com/how-to-use-chase-travel/) - Chase Travel℠ lets you use your credit card points toward airline tickets, hotels, rental cars, or cashback (or a combination of those). 
- [How Do Hotel Credit Cards Work?](https://erika.com/how-do-hotel-credit-cards-work/) - Typical benefits with hotel credit cards include free nights, automatic status, and higher earnings on your spending at hotel properties.
- [Spirit Canceled Your Flight? Here's How to Get Compensation](https://erika.com/spirit-flight-cancellation-compensation/) - Spirit Airlines permanently ceased all operations on May 2, 2026, canceling all flights and shutting down customer service. Here's what you need to know.
- [Did Spirit Airlines Lose Your Bag? Here's What to Do](https://erika.com/spirit-airlines-delayed-baggage-compensation/) - Spirit Airlines shut down operations on May 2, 2026. All customer service is being handled by their claims agent, Epiq, at SpiritAirlinesInfo@epiqglobal.com.
- [What Spirit Airlines Owes You If They Damaged Your Bag](https://erika.com/spirit-airlines-damaged-baggage/) - Spirit Airlines shut down operations on May 2, 2026. All customer service is being handled by their claims agent, Epiq, at SpiritAirlinesInfo@epiqglobal.com.
- [Your Rights in the Sky: The DOT's Role in Protecting Passengers](https://erika.com/dot-passenger-protections/) - Learn about the relationship between the U.S. Department of Transportation and airline carriers, and your rights as a passenger.
- [What You Need to Know About FAA Flight Compensation Rules](https://erika.com/faa-flight-compensation/) - Understand your passenger rights under federal flight regulations. Learn when airlines must provide refunds, reimbursements, and assistance.
- [Spirit Airlines Flight Delay Compensation: Complete Guide to Claims & Refunds [sc name="year"][/sc]](https://erika.com/spirit-airlines-flight-delay-compensation/) - Learn about eligible delays, maximum refund amounts, and expert strategies for getting Spirit Airlines flight delay compensation.
- [Flight Delay Compensation: What You're Entitled to and How To Get It](https://erika.com/flight-delay-compensation/) - Full guide to getting flight delay compensation! Learn what airlines owe you according to the U.S. Department of Transportation and their Contracts of Carriage.
- [Damaged Baggage Compensation: What Airlines Owe You](https://erika.com/damaged-baggage-compensation/) - Airlines owe you money if they damage or lose your bags. Here’s how to claim the compensation you deserve!
- [How To Find Cheap Last-Minute Flights](https://erika.com/cheap-last-minute-flights/) - Booking 3-12 weeks in advance is usually the cheapest, but with creativity, you can snag a budget-friendly ticket when time is short.
- [Delayed Baggage Compensation: What Are You Entitled To?](https://erika.com/delayed-baggage-compensation/) - If an airline loses your bag, they’re responsible for helping you cover essential expenses until they find it. So how does it work?
- [Baggage Delay Insurance: How It Works](https://erika.com/baggage-delay-insurance/) - Discover the ins and outs of baggage delay insurance. Learn how it works, which credit cards offer it, and what it covers.
- [The Best Student Discounts for Big Back-to-School Savings in [sc name="year"][/sc]](https://erika.com/best-student-discounts/) - One of the best ways to save as a student is to look for student discounts. You could save anywhere from 5% to up to 100% off!
- [How To Use the Capital One Travel Portal to Book a Trip on Points](https://erika.com/capital-one-travel/) - With the Capital One Travel portal you can book flights and hotels or redeem your miles as a credit on your next statement.
- [What To Do If Your Flight Is Canceled Due to Weather](https://erika.com/flight-canceled-due-to-weather/) - Here’s what to know about rebooking, airline obligations, and how travel insurance can help when flights are canceled due to weather.
- [Southwest's Extra Seat Policy: How To Fly Comfortably (And Get Refunded!)](https://erika.com/southwest-plus-size-policy/) - Southwest currently offers guaranteed refunds to plus-size passengers who need to book an extra seat. But unfortunately, that policy is changing in 2026.
- [Top Budget Travel Tips: Explore More for Less!](https://erika.com/best-budget-travel-tips/) - Travel the world on a budget! Find expert tips on cheap flights, affordable stays, packing light, and using travel rewards to cut costs.
- [These Airlines Will Sit You Next to Your Child for Free](https://erika.com/airline-family-seating-free/) - Alaska Airlines, American Airlines, Frontier, Hawaiian Airlines, and JetBlue have officially committed to fee-free family seating for children 13 and under.
- [Take Control of Your Finances With These 5 Smart Money Tips](https://erika.com/smart-money-tips/) - You don't need to be a professional stockbroker or have an economics degree to manage your money wisely. Here's how to be financially savvy.
- [How To Become Debt-Free: 6 Steps to Take Control of Your Debt](https://erika.com/how-to-become-debt-free/) - If you’re struggling with debt — whether it’s credit card debt, student loans, or other debts — there are ways to become debt-free.
- [How To Budget for Beginners](https://erika.com/how-to-budget-for-beginners/) - Budgeting doesn't limit your control over your money — it actually gives you control. By making a plan, you can find financial freedom.
- [Should You Follow the 50/30/20 Rule?](https://erika.com/50-30-20-rule/) - Unlock financial success with the 50/30/20 rule! Easily manage needs, wants, and savings. Flexible, simple, and encourages savings rate.
- [What Is Early Direct Deposit and Which Banks Offer It?](https://erika.com/early-direct-deposit/) - Early direct deposit is a feature some banks offer that lets you get paid up to two days earlier. Here’s how it works.
- [8 Ways To Save Money on Groceries](https://erika.com/how-to-save-money-on-groceries/) - Joining bulk-buying clubs, splitting costs with friends, and using discounted food apps are all great ways to save money on groceries.
- [How To Choose the Best Business Credit Card](https://erika.com/how-to-choose-business-credit-card/) - The right business credit card can help you organize expenses, manage cash flow, and earn valuable rewards. Here’s how to choose what’s right for you.
- [Side Hustles that Qualify for a Business Credit Card](https://erika.com/side-hustles-that-qualify-for-a-business-credit-card/) - To qualify for a business credit card, you need to be engaged in an income-earning activity that’s run with some continuity and the intent to make a profit.
- [5 Types of Savings Accounts to Help You Reach Your Savings Goals](https://erika.com/types-of-savings-accounts/) - High-yield savings accounts, money market accounts, and certificates of deposits will earn you the most interest.
- [4 Steps to Build an Emergency Fund](https://erika.com/how-to-build-an-emergency-fund/) - An emergency fund protects you from unexpected costs like car repairs, medical emergencies, economic downturns, or job loss.
- [What Happens If I Don’t Pay My Debt?](https://erika.com/what-happens-if-i-dont-pay-my-debt/) - If you are having trouble paying a loan, contact the company as soon as possible to make alternative arrangements.
- [How To Transfer Your Capital One Miles for Maximum Value](https://erika.com/how-to-transfer-capital-one-miles/) - While you can redeem Capital One miles through Capital One Travel at 1 cent per point, you can often get better value by transferring points to a partner.
- [Your All-in-One Guide to Earning and Redeeming Capital One Miles](https://erika.com/capital-one-miles/) - Capital One miles accrue at 1.25 to 2 miles for every dollar spent, with some cards offering higher rewards for flights and hotels.
- [How To Use Credit Card Points for Travel](https://erika.com/how-to-use-credit-card-points-for-travel/) - You can redeem credit card points through your card’s travel portal, directly with a co-branded airline or hotel, or as a statement credit.
- [Best Travel Apps to Save Money on Flights & Hotels](https://erika.com/best-travel-apps/) - Cut travel costs with the best travel apps that save you money! Find cheap flights, score hotel deals, and earn cashback on bookings.
- [How To Increase Your Credit Score the Right Way](https://erika.com/how-to-increase-credit-score/) - Increase your credit score with practical steps. Understand how it's calculated, reports errors, and cleans up past-due accounts.
- [How To Stay in Hotels for Free Using Travel Points](https://erika.com/redeeming-points-for-free-hotel-stays/) - Want free hotel stays? Discover expert tips on redeeming points, maximizing loyalty programs, and using travel credit cards for free nights.
- [How Paying an Extra $10 a Day Could Save You Thousands on Your Mortgage](https://erika.com/pay-extra-10-dollars-day-save-thousands-mortgage/) - If you have a bit of extra money each month, you could put it towards your mortgage and save thousands of dollars in interest and shave years off your loan.
- [The Southwest Companion Pass: Ultimate Guide for [sc name="year" ][/sc]](https://erika.com/southwest-companion-pass-guide/) - Your ultimate guide to the Southwest Companion Pass. How to earn, maximize, and save on flights. Your ticket to (nearly) free travel.
- [Best Southwest Credit Cards in [sc name="month" ][/sc] [sc name="year" ][/sc]](https://erika.com/best-southwest-credit-cards/) - If you're loyal to Southwest, a Southwest credit card can score you discounts, upgraded boarding, and a path to the Companion Pass.
- [How to Do Taxes as a Freelancer](https://erika.com/how-to-do-taxes-as-a-freelancer/) - Learn how to navigate taxes as a freelancer: track income, understand deductions, and manage self-employment taxes.
- [Paying Taxes With a Credit Card: When Does It Make Sense?](https://erika.com/pay-taxes-with-a-credit-card/) - It may seem smart to pay your taxes with a credit card and earn a heap of rewards or cashback — but there are financial risks.
- [Involuntary Denied Boarding: What It Means and How You Should Be Compensated ](https://erika.com/involuntary-denied-boarding/) - If you’re involuntarily denied boarding (“bumped” from a flight) you may be entitled to some serious cash compensation.
- [Overbooked Flight Compensation: Know Your Passenger Rights](https://erika.com/overbooked-flight-compensation/) - Learn your rights when bumped off an overbooked flight. Get tips for negotiating perks and managing disruptions.
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- [Southwest Airlines Lost Your Bag? Here's What You're Entitled To](https://erika.com/southwest-delayed-baggage-compensation/) - Know your rights if Southwest Airlines loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
- [JetBlue Delayed Your Bags? Here's What You’re Owed](https://erika.com/jetblue-delayed-baggage-compensation/) - Know your rights if JetBlue loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
- [Lost Luggage? Here’s How Much Hawaiian Airlines Will Pay You](https://erika.com/hawaiian-airlines-delayed-baggage-compensation/) - Know your rights if Hawaiian Airlines loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
- [Lost Luggage? Here's How Much Frontier Airlines Owes You](https://erika.com/frontier-delayed-baggage-compensation/) - Know your rights if Frontier Airlines loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
- [Delta Delayed Your Bags? Here’s What You’re Owed](https://erika.com/delta-delayed-baggage-compensation/) - Know your rights if Delta Air Lines loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
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- [Allegiant Lost Your Bag? Here’s What You’re Entitled To](https://erika.com/allegiant-delayed-baggage-compensation/) - Know your rights if Allegiant Air loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
- [Lost Luggage? Here's How Much Alaska Airlines Will Pay You](https://erika.com/alaska-airlines-delayed-baggage-compensation/) - Know your rights if Alaska Airlines loses or delays your baggage. Under Department of Transportation rules, they must reimburse you up to $4,700.
- [How To Calculate Your Ideal Travel Insurance Coverage](https://erika.com/how-to-calculate-your-ideal-travel-insurance-coverage/) - Find out how much travel insurance you need. Get tips on balancing coverage and cost, estimating medical needs, and customizing protection for your trip.
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- [Capital One Venture X Rewards Credit Card Review](https://erika.com/capital-one-venture-x-rewards-credit-card-review/) - Explore the Capital One Venture X Rewards Credit Card Review to uncover its perks and alternatives. Learn how to maximize rewards!
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- [How To Earn Airline Elite Status — and Is It Worth It?](https://erika.com/earn-airline-elite-status/) - Airline status unlocks free upgrades, priority boarding, and lounge access. But it’s a complicated system — here’s how to make sense of it all.
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- [American Express Platinum Card® Review: Luxury Perks for a Luxury Price](https://erika.com/the-platinum-card-from-american-express-review/) - The American Express Platinum Card® comes with lots of high-end travel perks — but also a steep annual fee.
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- [SoFi Student Loans Review: Low-Rate, No-Fee Private Loans](https://erika.com/sofi-student-loans-review/) - SoFi student loans have low interest rates and no fees, and are available for both undergraduate and graduate students.
- [How To Save Money on Flights and Hotels](https://erika.com/saving-money-on-flights-and-hotels/) - Looking to cut travel costs? Discover the best strategies for booking cheap flights and budget hotels while earning travel rewards and avoiding extra fees.
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- [Your Ultimate Guide to Citi ThankYou® Points](https://erika.com/citi-thankyou-points/) - Citi ThankYou Rewards can be redeemed for cashback, travel, gift cards, charitable donations, and more. Here's how to maximize them.
- [How To Use the Wells Fargo Travel Portal to Book a Trip on Points](https://erika.com/wells-fargo-travel-portal/) - You can redeem your rewards for flights and hotels within the Wells Fargo travel portal, but you might get better value elsewhere.
- [Your Complete Guide to Wells Fargo Rewards](https://erika.com/wells-fargo-rewards/) - While smaller than some competitor rewards programs, Wells Fargo Rewards can still earn you free flights and hotel stays.
- [How To Create a Family Travel Fund in 6 Steps](https://erika.com/family-travel-savings-plan/) - Saving for a family vacation doesn’t have to be stressful. Learn easy tips to set goals, trim expenses, and grow your travel fund without missing out on fun.
- [Should You Save or Invest Your Money? ](https://erika.com/saving-vs-investing/) - When it comes to saving or investing, you ideally want to do both. Save for emergencies first, then start investing for long-term growth.
- [What Is Inflation and How Can You Protect Your Finances from It? ](https://erika.com/what-is-inflation/) - Inflation is how much goods and services have increased in price over time. While you can't control inflation, you can safeguard your finances against it.
- [How Much Should You Save a Month?](https://erika.com/how-much-should-you-save-a-month/) - Master the art of savings! The 50/30/20 rule is a good starting point, but you can customize it to fit your situation and reach your financial goals.
- [What Is Compound Interest and How Does It Work?](https://erika.com/what-is-compound-interest/) - Compound interest is the magic key to investing, and is why it’s important to start sooner rather than later. Here’s how it works.
- [How To Invest In Your 20s](https://erika.com/investing-in-your-20s/) - In your 20s, you should learn how to budget, build an emergency fund, and pay off high-interest debt. Here’s how to start.
- [How To Invest in Your 40s](https://erika.com/investing-in-your-40s/) - It’s never too late to start investing and, in your 40s, you’re still young enough to see significant growth through compounding returns.
- [How Much Should I Put In My Emergency Fund Per Month?](https://erika.com/calculating-emergency-funds/) - An emergency fund should equal three to six months’ worth of basic expenses, so you won’t have to turn to credit cards or other debt.
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- [How To Use a CD Ladder to Build Wealth](https://erika.com/what-is-a-cd-ladder/) - Building a CD ladder is when you deposit cash into multiple CDs with different maturity dates, typically varying in both long- and short-term.
- [How To Save for a Down Payment](https://erika.com/save-for-down-payment/) - The average down payment for first-time homebuyers is around 6% — which is still a lot of money, so you'll need to be smart about saving.
- [M1 Review: Affordable Automated Investing for Beginner Investors](https://erika.com/m1-review/) - If you want an easy, affordable way to build and automate your investment portfolio, M1 has a lot to offer for beginner investors. Here’s how it works.
- [The Hidden Credit Card Perks You’re Probably Not Using (But Should)](https://erika.com/hidden-credit-card-perks/) - Credit cards often come with a long list of benefits (many worth hundreds of dollars!) that most people rarely use. Here's how to make the most of your card.
- [What Is Overdraft Protection?](https://erika.com/what-is-overdraft-protection/) - Overdraft protection can cover you if you don't have enough money in your account for a purchase. Your transaction will go through with no NSF fees.
- [11 Ways to Get Paid to Go to School and Graduate Debt-Free](https://erika.com/get-paid-to-go-to-school/) - Discover 11 effective ways to get paid to go to school, graduate debt-free, and build a strong resume. Explore scholarships and more!
- [How To Get a Business Credit Card](https://erika.com/how-to-get-a-business-credit-card/) - You don’t need a big business to qualify for a credit card, but you will need to provide information about your business and prove it has some income.
- [Credit Card Purchase Protection: What You Need to Know](https://erika.com/credit-card-purchase-protection/) - Learn about Credit Card Purchase Protection: What it covers, how it works, and steps to file a claim. Save on damaged or stolen goods.
- [Credit Card Rental Car Insurance: What You Need to Know](https://erika.com/credit-card-rental-car-insurance/) - Did you know your credit card may cover you for car rentals? Here's everything you need to know about coverage, activation, and making a claim.
- [How Many Bank Accounts Should I Have?](https://erika.com/how-many-bank-accounts-should-i-have/) - While you should have at least one bank account to keep your money safe, it's better to have at least two, so you don't spend what you should save.
- [Trip Cancellation Insurance: Protect Your Travel Plans](https://erika.com/trip-cancellation-insurance/) - Explore trip cancellation insurance. Learn how it works, and what it covers, and find out if your credit card offers this valuable benefit.
- [Guide to United MileagePlus: How To Earn and Redeem for Best Value](https://erika.com/united-mileageplus-guide/) - United MileagePlus is complex, with four currencies for earning. But it’s also very rewarding, with lots of airline partners and ways to both earn and spend miles.
- [Empower Review: Paid vs. Free Financial Tools](https://erika.com/empower-review/) - Empower Review: Paid vs. Free Financial Tools - Pros, Cons, and Alternatives. Find the best fit for your investment needs.
- [How To Budget for Family Vacations Without Overspending](https://erika.com/budget-for-family-vacations/) - Learn how to save money on travel, track expenses, and prioritize unforgettable (and stress-free) family experiences with our budgeting guide.
- [How To Request Hotel Compensation for Poor Experiences](https://erika.com/hotel-compensation-for-poor-experiences/) - Learn how to request hotel compensation for bad service, missed amenities, and more. Follow clear steps to secure refunds, upgrades, or vouchers.
- [How Much You Need to Retire: The Ultimate Guide](https://erika.com/how-much-you-need-to-retire/) - Here's exactly what you need to know to figure out how much you'll need to retire, using the 4% rule and calculating for inflation.
- [The Credit Card Competition Act: What You Need to Know](https://erika.com/credit-card-competition-act/) - One of the primary concerns with the proposed CCCA is that it could lead to the disappearance of popular credit card rewards.
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- [Checking vs. Savings Accounts: What’s the Difference?](https://erika.com/checking-vs-savings-account/) - Discover the differences between checking and savings accounts. Learn when to use each and find the right fit for your financial goals.
- [What Is a Debt Snowball?](https://erika.com/what-is-a-debt-snowball/) - Discover the debt snowball method – a powerful strategy to eliminate debt. Start small, build momentum, and achieve financial freedom.
- [12 Passive Income Ideas](https://erika.com/passive-income-ideas/) - Discover the top 12 passive income ideas. Learn how to earn money effortlessly, from online courses to rental properties.
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- [How to Start Investing When You Don’t Have Much Money](https://erika.com/how-to-invest-small-amounts-of-money/) - One of the biggest misconceptions about investing is that you need a lot of money to get started. But you can start with pocket change.
- [Your Full Guide to Investment Asset Classes](https://erika.com/investment-asset-classes/) - The assets in your portfolio determine the returns you can earn on your money. Here are the different types and how to choose.
- [How to Manage Your Own Investment Portfolio](https://erika.com/how-to-manage-your-own-investment-portfolio/) - Whether you’re a beginner investor or a savings pro, learning to manage your portfolio will put you in a more secure financial position.
- [How To Buy I Bonds to Protect Your Investment Portfolio](https://erika.com/how-to-buy-i-bonds/) - I bonds are issued by the Treasury Department and designed to protect your purchasing power against inflation.
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- [Should I Get a Personal Loan to Pay Off Credit Card Debt?](https://erika.com/personal-loan-pay-off-credit-card/) - Replacing credit card debt with a personal loan can be a smart move, provided you can get a loan with a lower interest rate.
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- [How To Find Your Old 401(k)](https://erika.com/how-to-find-your-old-401k/) - It doesn’t matter how long your 401(k) has been abandoned, it’s still your money and you should find it. Here’s how.
- [How To Invest in Your 30s](https://erika.com/investing-in-your-30s/) - It’s not too late to think about retirement. Start with your employer’s 401(k) plan or an IRA — and don’t be afraid of riskier investments.
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- [How To Keep Track of Credit Card Rewards](https://erika.com/track-credit-card-rewards/) - Learn how to track and maximize your credit card rewards and perks, to get the most value from them while saving money.
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- [What To Do if Your Flight or Hotel Booking Is Canceled](https://erika.com/flight-hotel-cancellations/) - Learn how to handle canceled flights or hotel bookings. Rebook quickly, claim your compensation, and use insurance to minimize stress.
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- [What Is a Balance Transfer Fee?](https://erika.com/what-is-a-balance-transfer-fee/) - A balance transfer can save you a lot of money on interest, but expect to pay a percentage fee. Crunch the numbers to decide if it's worth it.
- [What Is APR and Why Does It Matter? ](https://erika.com/what-is-apr-and-why-does-it-matter/) - APR is how much it will cost you to borrow money through a loan or credit card, and includes both interest rate and fees. Here's how it works.
- [Active vs. Passive Investing: Which Is Best?](https://erika.com/active-vs-passive-investing/) - Everything you need to know about active vs. passive investing, including how each works and how their performance stacks up against each other.
- [How To Protect Your Investments Through Asset Allocation](https://erika.com/what-is-asset-allocation/) - Asset allocation refers to how much of each asset you include in your portfolio. As you age and your goals change, your asset allocation should also change.
- [What Are Dividends and How Do They Work?](https://erika.com/what-are-dividends-and-how-do-they-work/) - With dividend-paying stocks, you can earn recurring passive income or reinvest your dividends to grow your portfolio faster.
- [What Are Exchange-Traded Funds (ETFs)?](https://erika.com/what-are-exchange-traded-funds/) - Exchange-traded funds are securities you can buy or sell like stocks, but instead of investing in a single company, you get a basket of different securities.
- [How Does Dollar-Cost Averaging Work?](https://erika.com/dollar-cost-averaging/) - Dollar-cost averaging is a smart investment strategy for consistent growth and doesn't require a lot of money to start. Learn how to build wealth over time!
- [What Is Autopay? How to Avoid Late Fees on Your Bills](https://erika.com/what-is-autopay/) - Autopay is a way to always pay your bills on time, so you don't get charged late fees. Here are the pros and cons, and tips to decide if it's right for you.
- [How Many Credit Cards Should I Have?](https://erika.com/how-many-credit-cards-should-i-have/) - How many credit cards you should have depends on your credit score, income, spending habits, the annual fees, and the rewards you want to earn.
- [What American Airlines Owes You If They Damage Your Bag](https://erika.com/american-airlines-damaged-baggage/) - If American Airlines damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [What Is Risk Tolerance?](https://erika.com/what-is-risk-tolerance/) - In investing, your risk tolerance is your willingness and ability to lose some money in the short term for the potential to gain over the long term.
- [What Is an Emergency Fund?](https://erika.com/what-is-an-emergency-fund/) - Emergency funds are savings you set aside in case a large, unexpected expense comes up or you lose your income. Here's how to start one.
- [How To Start Investing](https://erika.com/how-to-start-investing/) - Unlock the potential of your savings with our step-by-step guide to start investing. Goals, budgeting, and smart investment choices.
- [How To Stop LinkedIn From Using Your Data To Train AI](https://erika.com/how-to-stop-linkedin-from-using-your-data-to-train-ai/) - LinkedIn has quietly introduced a feature that automatically uses your data to train AI systems. Here's how to opt out and protect your privacy.
- [How Does Debt Consolidation Work and Is It Right for You?](https://erika.com/how-does-debt-consolidation-work/) - Debt consolidation into one manageable payment. Learn pros like a single payment, faster payoff, and lower interest.
- [How Does APR Work on a Credit Card?](https://erika.com/how-does-apr-work-on-a-credit-card/) - Your credit card APR can cost you a lot of money if you don't understand it. Here's how APR works, where to find your rate, and how to lower it.
- [How To Successfully Switch Banks](https://erika.com/how-to-successfully-switch-banks/) - Successfully switch banks seamlessly! Erika's guide ensures a smooth transition. Avoid fees, choose wisely, and transfer effortlessly.
- [Airbnb vs. Hotel: Which Is Better for Your Trip?](https://erika.com/airbnb-vs-hotel/) - Airbnb is a good choice for budget travelers, families, digital nomads, and adventurers. Hotels are better for business trips and travelers who want extra security.
- [Budgeting for Family Travel: Smart Ways to Save on Vacations](https://erika.com/budgeting-for-family-travel/) - Make family vacations affordable with smart budgeting tips. Learn how to save on flights, hotels, and activities while keeping the fun stress-free.
- [Cities with Kid-Friendly Activities: A Family Guide](https://erika.com/city-breaks-with-kid-friendly-activities/) - Discover the best city breaks with kid-friendly activities, from interactive museums to sprawling parks. Plan your next memorable family trip!
- [How To Choose the Best Travel Insurance for Your Trip](https://erika.com/how-to-choose-the-best-travel-insurance/) - Find the perfect travel insurance with our expert guide. Learn to assess risks, compare providers, and customize coverage for your trip needs.
- [How To Avoid Tourist Traps (and Save Money)](https://erika.com/avoiding-tourist-traps-budget-travel/) - Stop overpaying for travel! Learn how to avoid tourist traps, find authentic experiences, and save money on food, attractions, and activities.
- [How To Pay Off Credit Card Debt](https://erika.com/how-to-pay-off-credit-card-debt/) - Learn how to pay off credit card debt fast with a strategic plan. Budget, prioritize, and optimize to achieve financial freedom.
- [How to Negotiate Medical Bills, Step-by-Step](https://erika.com/how-to-negotiate-medical-bills/) - Discover how to negotiate medical bills step-by-step and lower your costs with our comprehensive guide. Save money now!
- [How Much Can I Afford to Invest?](https://erika.com/how-much-can-i-afford-to-invest/) - Targeting 15% will ensure you have enough saved for your golden years, but you likely won’t be pinching pennies to make ends meet.
- [What Are Travel Assistance Services? Key Benefits Explained](https://erika.com/travel-assistance-services/) - Learn how travel assistance services complement insurance by offering immediate support for emergencies abroad like medical care and theft.
- [How To Avoid Losing Money on Canceled Trips](https://erika.com/avoid-losing-money-on-canceled-trips/) - Discover smart tips to safeguard prepaid costs, maximize refunds, and choose the best cancellation protection for peace of mind.
- [United Canceled Your Flight? Here's How to Get Compensation](https://erika.com/united-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming United Airlines flight cancellation compensation.
- [Southwest Canceled Your Flight? Here's How to Get Compensation](https://erika.com/southwest-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming Southwest flight cancellation compensation.
- [JetBlue Canceled Your Flight? Here's How to Get Compensation](https://erika.com/jetblue-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming JetBlue flight cancellation compensation.
- [Hawaiian Airlines Canceled Your Flight? Here's How to Get Compensation](https://erika.com/hawaiian-airlines-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming Hawaiian Airlines flight cancellation compensation.
- [Frontier Canceled Your Flight? Here's How to Get Compensation](https://erika.com/frontier-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming Frontier flight cancellation compensation.
- [Delta Canceled Your Flight? Here's How to Get Compensation](https://erika.com/delta-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming Delta flight cancellation compensation.
- [American Airlines Canceled Your Flight? Here's How to Get Compensation](https://erika.com/american-airlines-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming American Airlines flight cancellation compensation.
- [Allegiant Canceled Your Flight? Here's How to Get Compensation](https://erika.com/allegiant-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming Allegiant Airlines flight cancellation compensation.
- [Alaska Airlines Canceled Your Flight? Here's How to Get Compensation](https://erika.com/alaska-airlines-flight-cancellation-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming Alaska Airlines flight cancellation compensation.
- [United Flight Delay Compensation: Complete Guide to Claims & Refunds [sc name="year"][/sc]](https://erika.com/united-flight-delay-compensation/) - Learn about eligible circumstances, maximum payouts, and expert strategies for claiming United Airlines flight delay compensation.
- [JetBlue Flight Delay Compensation: Complete Guide to Claims & Refunds [sc name="year"][/sc]](https://erika.com/jetblue-flight-delay-compensation/) - Learn about the JetBlue Customer Bill of Rights and flight delay compensation amounts, and get expert tips for successful claims.
- [Hawaiian Airlines Flight Delay Compensation: Complete Guide to Claims [sc name="year"][/sc]](https://erika.com/hawaiian-airlines-flight-delay-compensation/) - Learn everything about Hawaiian Airlines flight delay compensation, including your rights, amounts, and how to file successful claims.
- [Frontier Flight Delay Compensation: How to Get Refunds & Claims Guide [sc name="year"][/sc]](https://erika.com/frontier-flight-delay-compensation/) - Learn about Frontier flight delay compensation, including eligible delays, maximum refund amounts, and expert tips for successful claims.
- [American Airlines Flight Delay Compensation: Complete Guide to Claims & Payments [sc name="year"][/sc]](https://erika.com/american-airlines-flight-delay-compensation/) - Learn everything about American Airlines flight delay compensation, from eligibility requirements to maximum payouts.
- [Allegiant Flight Delay Compensation: Complete Guide to Claims & Refunds [sc name="year"][/sc]](https://erika.com/allegiant-flight-delay-compensation/) - Learn how to claim Allegiant Air flight delay compensation, including eligible circumstances, compensation amounts, and filing instructions.
- [Alaska Flight Delay Compensation: Guide to Your Rights & Claims [sc name="year"][/sc]](https://erika.com/alaska-flight-delay-compensation/) - Learn everything about Alaska Airlines flight delay compensation, from eligibility requirements to claim amounts.
- [Southwest Flight Delay Compensation [sc name="year"][/sc]: What You’re Owed & How to Claim](https://erika.com/southwest-flight-delay-compensation/) - Learn everything about Southwest Airlines flight delay compensation, including refund policies and your rights as a traveler with them.
- [How To Use the Citi Travel Portal To Book a Trip: [sc name="year"][/sc] Guide](https://erika.com/citi-travel-portal/) - The Citi Travel portal allows you to book hotels, flights, rental cars, and attractions using cash, Citi ThankYou points, or both.
- [15+ Places to Get Free Stuff on Your Birthday in [sc name="year"][/sc]](https://erika.com/where-to-get-free-stuff-on-your-birthday/) - Celebrate your big day with free birthday treats, meals, and gifts from top restaurants and stores. Find birthday freebies you can claim!
- [How I Paid Off $220,000 in Student Debt](https://erika.com/how-i-paid-off-student-debt/) - My goal was to pay my student debt off as quickly and aggressively as possible. My motivation was the interest I was rapidly accruing.
- [How To Build Your Core Portfolio](https://erika.com/what-is-a-core-portfolio/) - Your core portfolio is the mix of assets that make up your long-term investments that will ideally carry you to retirement.
- [Why It’s Important to Rebalance Your Portfolio](https://erika.com/rebalance-your-portfolio/) - Rebalancing helps to reduce unnecessary risks while still keeping your portfolio aligned with your financial goals.
- [Understanding Value-at-Risk and Your Loss Potential](https://erika.com/value-at-risk/) - Value-at-risk (VaR) is a data point that tells you how much your portfolio could lose over a specific period.
- [7 Investing Tips from the Most Powerful Woman on Wall Street](https://erika.com/investing-advice-sallie-krawcheck/) - Sallie Krawcheck, a Wall Street veteran and founder/CEO of Ellevest, shares why getting started with investing is so important — and how to do it.
- [EU261 Flight Delay Compensation: Your Guide to Getting Paid](https://erika.com/eu-261-flight-compensation/) - Learn your rights under EU261. Find out how to claim up to €600 in compensation for delayed or cancelled flights in the EU, including who qualifies.
- [Common Travel Insurance Exclusions You Should Know](https://erika.com/travel-insurance-exclusions/) - Before you travel, make sure you know common travel insurance exclusions like pre-existing conditions and high-risk activities — and how to get coverage.
- [How To Upgrade to First Class Without Paying Extra Fees](https://erika.com/how-to-upgrade-to-first-class/) - There are simple ways you can score massive discounts on first-class fares, or even get a first-class seat for free.
- [How To Find Mistake Fares for Cheap Flights](https://erika.com/mistake-fares/) - Catching mistake fares may help you fly to destinations or score upgraded seats you otherwise couldn’t afford. Here’s how.
- [How Much Erika Kullberg Makes on Social Media](https://erika.com/how-much-social-media-pays/) - Across all my social media platforms, YouTube is the most lucrative — one of my videos has so far generated over $45,000.
- [Mutual Fund Investing for Beginners](https://erika.com/mutual-fund-investing-for-beginners/) - A mutual fund is a collection of different stocks or bonds sold as one package, making it easier to diversify. Here’s how they work.
- [What Is Growth Investing and How Do You Pick Growth Stocks?](https://erika.com/what-is-growth-investing/) - With growth investing, you pick stocks that you anticipate will rapidly increase in value based on the company's performance.
- [4 Ways Car Dealers Are Ripping You Off](https://erika.com/car-dealer-scams/) - Despite the rollout of the CARS Rule, many car dealers will keep using shady tactics to rip you off. Here’s how to catch them red-handed
- [How to Negotiate Salary According to Business and HR Pros](https://erika.com/how-to-negotiate-salary/) - Use our tips to negotiate salary like a pro. Check out free resources for salary research and bargaining guidelines to get what you deserve.
- [6 Road Trip Destinations for Families in [sc name="year"][/sc]: Routes for All Ages](https://erika.com/road-trip-destination-for-families/) - Explore the best road trip routes for families, packed with scenic views, fun stops, and tips for keeping kids entertained. Create lasting memories on the road!
- [Road Trip Insurance: Protect Your Adventure (Without Overpaying)](https://erika.com/road-trip-insurance-guide/) - Here’s how to build smart coverage for your next road trip, including roadside help, medical protection, and more — some of which you might already have.
- [How To Save on Family Vacations With Rewards Programs](https://erika.com/family-travel-rewards-programs/) - Learn how to stack points on everyday purchases like groceries and gas, so you can turn them into free hotel stays, flights, theme park tickets, and more.
- [Skip the Stress, Not the Fun: How to Plan a Staycation Your Kids Will Love](https://erika.com/family-staycation-ideas-on-a-budget/) - Plan a fun family staycation on a budget! From backyard glamping to city gems, there are low-cost ways to vacation at home and keep everyone entertained.
- [How To Manage Food Costs on Family Trips: Eat Well, Spend Less](https://erika.com/manage-food-costs-family-trips/) - Master managing food costs on family trips! Learn how to slash dining expenses with rewards, meal planning, and savvy grocery shopping for big vacation savings.
- [Travel Insurance and Safety Tips for Family Vacations](https://erika.com/travel-insurance-and-safety-tips-for-family-vacations/) - Plan a safe family vacation with safety strategies, travel insurance tips, and emergency prep. Enjoy a worry-free adventure with loved ones!
- [How To Use the Costco Travel Portal for Cheap Trips](https://erika.com/costco-travel-portal/) - Costco Travel has bargains on vacation packages that include multiple components, like flight, hotel, and rental car.
- [Money Conversations We Should Be Having](https://erika.com/talking-about-finances/) - It's important to set financial boundaries in all your relationships. It might feel awkward, but it’s better to have clarity than regrets.
- [7 Bad Money Habits Keeping You in Debt](https://erika.com/bad-money-habits/) - If you’re going to change your financial situation and build actual wealth, you have to change your bad money habits. Here's how.
- [15 Essential Financial Tips for Young Adults ](https://erika.com/financial-tips-for-young-adults/) - It took me years to learn how to manage my money. But if you implement these tips early on, you can skip those years of trial and error.
- [5 Millionaire Habits To Change Your Life](https://erika.com/millionaire-habits/) - Successful millionaires know the importance of simplifying their lives, valuing their time, and connecting with inspiring people.
- [Common Investing Mistakes to Avoid](https://erika.com/common-investing-mistakes/) - Successful investing is more about your behavior than how much money you have. Here’s how to do it the right way.
- [4 Common Investing Fears and How To Overcome Them](https://erika.com/common-investing-fears/) - Understanding how different investments work, the level of risk they carry, and how returns are paid can help reduce fear.
- [What Is Options Trading? How To Bet on Stock Price Changes](https://erika.com/what-is-options-trading/) - Options trading is betting on whether a stock price will increase or decrease, potentially increasing the value of your portfolio.
- [How To Retire Early With the Rule of 55 and 72(t) Distributions ](https://erika.com/rule-of-55-and-72t-distribution/) - The Rule of 55 allows you to access your current employer 401(k) or 403(b) penalty-free the year you turn 55 or older.
- [How To Get the Most Out of Credit Card Points](https://erika.com/how-to-maximize-credit-card-rewards/) - Different credit cards offer different ways earn and redeem rewards — make sure you know how your specific card works.
- [Do You Need a Travel Visa? How To Check for Your Destination](https://erika.com/do-you-need-a-travel-visa/) - More than 100 countries require U.S. citizens to obtain visas before they can visit. Here’s how to check if you need one for your upcoming trip.
- [How To Always Get the Best Seat on a Plane](https://erika.com/how-to-get-the-best-seat-on-a-plane/) - Learn how to snag exit rows, smoother-ride seats, or even free upgrades with these seat selection hacks for families, tall travelers, and more!
- [What Southwest Owes You If They Damage Your Bag](https://erika.com/southwest-damaged-baggage/) - If Southwest damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [What JetBlue Owes You If They Damage Your Bag](https://erika.com/jetblue-damaged-baggage/) - If JetBlue damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [What Hawaiian Airlines Owes You If They Damage Your Bag](https://erika.com/hawaiian-airlines-damaged-baggage/) - If Hawaiian Airlines damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [What Frontier Owes You If They Damage Your Bag](https://erika.com/frontier-damaged-baggage/) - If Frontier damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [What Allegiant Owes You If They Damage Your Bag](https://erika.com/allegiant-damaged-baggage/) - If Allegiant damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [What Alaska Airlines Owes You If They Damage Your Bag](https://erika.com/alaska-airlines-damaged-baggage/) - If Alaska Airlines damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [How To Use Webull: A Beginner’s Guide to Setting It Up](https://erika.com/how-to-use-webull/) - Webull allows you to purchase a variety of securities including stocks, options, ETFs, and cryptocurrencies.
- [What Is Credit Cycling and Why Should You Avoid It?](https://erika.com/what-is-credit-cycling/) - Credit cycling is making purchases up to your card’s limit, paying down your balance, and repeating the cycle within the same billing period.
- [How To File a Travel Insurance Claim for Lost Valuables](https://erika.com/how-to-file-a-travel-insurance-claim-for-lost-valuables/) - Lost your valuables while traveling? Learn how to file a travel insurance claim, submit documentation, and appeal denied claims.
- [Benefits of ETFs](https://erika.com/benefits-of-etfs/) - Many experts recommend ETFs for beginner investors because they’re inexpensive, well-diversified, and easy to trade.
- [ETF Investing for Beginners: Choosing the Right ETFs](https://erika.com/choosing-the-right-etf/) - Choosing the right ETF for you depends on what you’re trying to achieve with your portfolio and what else you’re invested in.
- [What To Look for When Buying Stocks](https://erika.com/what-to-look-for-when-buying-stocks/) - There isn’t a right or wrong way to choose stocks but there are some strategies you can follow to make smarter decisions.
- [How Much Time Does It Really Take to Manage Your Investments?](https://erika.com/how-much-time-to-manage-investments/) - Don’t automatically assume that because you don’t have much time you can’t be a successful investor. Here’s how.
- [My 12 Sources of Income in My 30s](https://erika.com/erika-kullberg-income/) - I used to think the “right” way to make a stable life for myself was to climb the corporate ladder and trade my time for money. I was wrong.
- [How To Start a Side Hustle](https://erika.com/how-to-start-a-side-hustle/) - Unlock the secrets on how to start a side hustle! Learn how to start, set goals, choose the right hustle, and navigate legalities.
- [Starting an LLC: Costs, Benefits, and Steps to Create a Limited Liability Company](https://erika.com/how-to-start-an-llc/) - An LLC gives you liability protection, which helps protect your personal assets if your business is sued or owes substantial debts.
- [The SAVE Plan for Student Loans: How it Works](https://erika.com/save-plan-for-student-loans/) - Explore the new SAVE Plan for federal student loans. Lower payments, quicker forgiveness, and improved benefits.
- [International Travel with Kids: Where to Go First (and What to Know)](https://erika.com/international-travel-with-kids/) - Planning a trip with the kids? These international destinations offer accessibility, affordability, and plenty of family-friendly activities.
- [Debt and Mental Health: The Psychology of Being Debt-Free](https://erika.com/debt-and-mental-health/) - Having unmanageable debt is linked with poor mental health, but taking even small steps to reduce your debt pays psychological dividends.
- [Robo-Advisors vs. Financial Advisors: Who’s Better for Your Investments?](https://erika.com/robo-advisors-vs-financial-advisors/) - Using a robo-advisor while also working with a financial planner can be a good comprehensive financial strategy.
- [How To Get Free New Shoes Under Nike's Warranty](https://erika.com/how-the-nike-warranty-works/) - You can get a full refund or replacement of Nike shoes or apparel if there's something wrong with them. Here's how.
- [Free Library Services You Aren’t Using That Will Save You Money](https://erika.com/free-library-services/) - Local libraries offer a wealth of free, useful, and fun services with their library card. Here's what you can access and how to do it.
- [Apple Discount Tip: How To Save on Apple Products as a Student](https://erika.com/apple-education-discount/) - Apple’s Education Store offers significant markdowns on products like MacBooks, iPads, iPhones, and more. Here’s how to use it.
- [How To Save Money With Best Buy's Price Match](https://erika.com/best-buy-price-match/) - Best Buy has a price match guarantee on almost everything. If a competitor has the item for a lower price, you can ask Best Buy to match it.
- [How To Replace Your Faulty AirPods Pro](https://erika.com/airpods-pro-service-program/) - If you’re experiencing sound issues with your AirPods Pro, you may be entitled to Apple’s service program and free replacements. 
- [How To Get Your Money Back With IKEA’s Return Policy](https://erika.com/ikea-return-policy/) - IKEA gives you a year to return unopened items for a full refund. If you've opened the package, you still get 180 days to change your mind.
- [Get Free SkyMiles with Delta’s Bags-on-Time Guarantee](https://erika.com/delta-bags-on-time-guarantee/) - If your bag doesn't make it to the carousel within 20 minutes of your domestic flight's arrival, you're entitled to 2,500 bonus miles.
- [How To Get a Refund for Crest Whitening Strips](https://erika.com/crest-whitening-strips-refund/) - You can get a full refund within 60 days of buying any Crest whitening product, for any reason. Here’s how to claim yours.
- [How To Survive a Red-Eye Flight: The Dos, Don’ts, and What to Bring](https://erika.com/how-to-survive-a-red-eye-flight/) - “Red-eye” flights got their name because they tend to leave passengers with fatigue, exhaustion, and bloodshot eyes. In other words, they kinda suck. But sometimes, a red-eye is your best option — either because it was cheap, empty, or your only option. So, how can you make your upcoming red-eye more pleasant? Let’s find out!
- [What United Owes You If They Damage Your Bag](https://erika.com/united-airlines-damaged-baggage/) - If United Airlines damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [Best Travel Insurance for Valuable Items & Expensive Gear](https://erika.com/best-travel-insurance-valuable-items/) - Traveling with valuables? Compare the best travel insurance for high-value items like electronics, jewelry, and professional gear.
- [Family Travel Planning Tips for Unforgettable Vacations](https://erika.com/guide-to-planning-family-travel/) - Simplify your family travel planning with these tips on destinations, budgeting, and packing, for stress-free vacations everyone will love!
- [Here's What Happens When You Decline TSA's Facial Recognition (And Why You Should)](https://erika.com/tsa-facial-recognition/) - The TSA has rolled out facial recognition, but some people are raising red flags. You are legally allowed to decline — here’s what happens if you do.
- [Some Airlines Are Overcharging Solo Travelers — Here's What to Do](https://erika.com/airlines-overcharging-solo-travelers/) - Major airlines like Delta, United, and American Airlines have been charging solo travelers more per ticket than group travelers. Here’s what to do about it.
- [12 Tips for Packing a Carry-On Only](https://erika.com/how-to-pack-a-carry-on-only/) - Packing light? Learn how to pack a carry-on only with smart strategies, space-saving hacks, and TSA-approved essentials for hassle-free travel.
- [Want Cheap Flights? Be Flexible With Your Travel Dates](https://erika.com/booking-cheap-flights-flexible-dates/) - Find the best deals on airfare by staying flexible with your travel dates. Use these expert tips to book cheap flights and save money on your next trip!
- [Creative Ways to Keep Kids Busy During Long Trips](https://erika.com/how-to-entertain-kids-on-long-trips/) - Discover fun and practical ways to entertain kids on long trips. Explore tech, hands-on activities, and travel games to keep them happy and engaged.
- [Best Apps To Help Pay off Debt in [sc name="month"][/sc] [sc name="year"][/sc]](https://erika.com/best-apps-pay-off-debt/) - These apps offer support and strategies to save money on interest, reduce your monthly payments, and become debt-free sooner.
- [What Delta Owes You If They Damage Your Bag](https://erika.com/delta-damaged-baggage/) - If Delta damages your baggage, they owe you compensation for repairs or a replacement. Here’s how to file your claim and get the money you deserve.
- [Foreign Transaction Fees: How They Work and How To Avoid Them](https://erika.com/foreign-transaction-fees/) - A foreign transaction fee is a surcharge added to credit card purchases made in a currency other than your own.
- [What Is a 529 Plan?](https://erika.com/what-is-a-529-plan/) - 529 savings plans are state-sponsored tax-advantaged accounts that can be used to pay for your child’s education expenses.
- [How to Budget for a Micro-Wedding](https://erika.com/budget-micro-wedding/) - A micro-wedding has a small guest list, so you can save on costs or put the money to other expenses. Here’s how to budget for one.
- [7 Things You Should Never, Ever Buy at the Dealership](https://erika.com/dealer-add-ons-to-avoid/) - Dealers love to charge for things like extended warranties, nitrogen in your tires, and more. Here’s what to get and what to avoid.
- [How to Side Hustle Your Way to a Million ](https://erika.com/how-to-side-hustle-your-way-to-a-million/) - I sat down with self-made millionaire Mark Tilbury, to learn from his life story and hear his advice for making your first $1,000,000.
- [What Is FDIC Insurance and How Does It Protect Me?](https://erika.com/what-is-fdic-insurance/) - The FDIC protects your bank deposits, up to $250,000 per institution and ownership category. Here's how it works.
- [Debt Avalanche Method: What It Is and When to Use It](https://erika.com/debt-avalanche-method/) - The debt avalanche method prioritizes paying off high-interest debts first, which can reduce the total amount you spend over time.
- [Use This Google Flights Trick To Find Cheap Flights](https://erika.com/google-flights-trick/) - This simple Google Flights trick can unlock deeply discounted airfares to destinations around the world. Here’s how to do it.
- [Real ID: What It Is and Why You Need One](https://erika.com/what-is-real-id/) - As of May 7, 2025, U.S. travelers need to be “Real ID”-compliant to board flights. Here's what that means and how to ensure your documents are good to go.
- [Best Travel Insurance Providers in [sc name="year"][/sc]](https://erika.com/travel-insurance-providers-compared/) - Learn how to choose the best travel insurance provider. Compare coverage, claim processes, and customer reviews to make informed decisions.
- [What Is Travel Insurance and Do You Need It?](https://erika.com/what-is-travel-insurance/) - Travel insurance reimburses you for surprise expenses like medical care, flight delays, or if you have to end a trip prematurely.
- [Essential Safety Gear for Traveling With Kids](https://erika.com/safety-gear-traveling-with-children/) - Traveling with kids? Make sure to pack these items that will keep everyone safe, like GPS trackers, child seats, a first-aid kit, and portable alarms and locks.
- [How To Save for Retirement](https://erika.com/how-to-save-for-retirement/) - Unlock the simplicity of how to save for retirement. Learn how to start, automate, and achieve your financial goals effortlessly. Start now!
- [13 Ways to Avoid Losing Your Stuff While Traveling](https://erika.com/avoid-losing-belongings-traveling/) - Worried about losing valuables while traveling? Follow these expert tips and secure your stuff with anti-theft bags, GPS trackers, and smart packing strategies.
- [How To Secure Important Documents While Traveling](https://erika.com/how-to-secure-important-documents-while-traveling/) - Protect your passport, visas, and travel insurance documents with these tips. Learn how to secure physical and digital copies and get replacements if needed.
- [How To Keep Your Valuables Safe While Traveling](https://erika.com/preventative-tips-safe-travel-valuables/) - Keep your valuables safe while traveling with these expert preventative tips. Learn smart storage, anti-theft gear, and secure travel habits.
- [Best Theme Parks for Family Travel in 2025](https://erika.com/best-theme-parks-for-family-travel/) - Plan the perfect family trip with our guide to top theme parks. Find tips for tickets, accommodations, and must-see attractions just for kids.
- [How Families Can Claim Hotel Injury Compensation](https://erika.com/hotel-injury-compensation-families/) - Learn how to claim hotel injury compensation for your family. Discover legal rights, travel insurance benefits, and tips for documenting incidents.
- [Child Safety Tips for Stress-Free Family Travel Abroad](https://erika.com/how-to-keep-kids-safe-while-traveling-abroad/) - Traveling with kids? Learn how to keep them safe abroad with tips on safety gear, transit vigilance, and avoiding common travel risks.
- [Guide to Hotel Compensation: When and How To Claim Refunds or Rewards](https://erika.com/hotel-compensation-guide/) - Learn how to claim hotel compensation or get a full refund if a hotel doesn’t honor your reservation or provide you with a safe, comfortable stay.
- [How To Get Travel Insurance for Pre-Existing Conditions](https://erika.com/pre-existing-conditions-travel-insurance/) - Traveling with a pre-existing condition? Compare top providers offering waivers and comprehensive plans for chronic health issues.
- [Emergency Contacts and Safety Planning for Family Travel](https://erika.com/emergency-contacts-and-safety-for-families/) - Be prepared during family trips with these safety tips. Know what essential emergency contacts and local resources you need to get assistance in any situation.
- [How To Access Emergency Assistance Abroad Through Your Travel Insurance](https://erika.com/emergency-assistance-abroad-guide/) - Emergency assistance abroad ensures 24/7 help during crises. Explore key features, tips, and top providers for reliable travel coverage.
- [Best Travel Insurance for Medical Coverage in [sc name="year"][/sc]](https://erika.com/best-travel-insurance-medical-coverage/) - Find top travel insurance for medical coverage, including plans with high limits, pre-existing condition waivers, and 24/7 emergency support.
- [Bed Bugs in Hotels: Know Your Compensation Rights](https://erika.com/bed-bugs-in-hotels-compensation/) - Find out how to claim compensation for bed bugs at hotels. Learn about hotel liability, reimbursement for damages, and steps to protect your rights.
- [EU Flight Delay Compensation Rules: Claim Up to €600](https://erika.com/eu-flight-delay-compensation/) - Claim up to €600 for delays, cancellations, or overbooked flights under EU261. Learn your rights and how to file a claim.
- [Injured at a Hotel? Learn How to Claim Compensation](https://erika.com/hotel-injury-compensation/) - Learn when hotels are liable for injuries and how to document and claim compensation for medical bills, lost wages, and emotional distress.
- [How To Claim Hotel Compensation for Overbooked Rooms](https://erika.com/hotel-compensation-overbooked-rooms/) - Stranded by an overbooked hotel? Learn your rights, steps to claim compensation, and how to secure alternative accommodations.
- [Average Savings by Age Group: How Do You Compare?](https://erika.com/average-savings-by-age/) - The median U.S. household has $8,000 in checking and savings accounts — but that amount varies by age. See where you fall.
- [Is It Too Late to Start Investing at 50?](https://erika.com/investing-at-50/) - While longer time horizons are easier to prepare for than short ones, it’s still not impossible to start saving for your retirement at 50.
- [Money Market vs. Savings: Which Account Is Best for You?](https://erika.com/money-market-vs-savings/) - Explore the best savings options: Money Market vs. Savings Accounts. Discover differences and benefits, and find the right fit for you.
- [Travel Trick: Save On Baggage Fees With a Media Pass](https://erika.com/media-pass-baggage-fees/) - Most airlines will give members of the media reduced baggage rates for equipment. Here's how to request a cheaper luggage rate.
- [Are CDs Worth It?](https://erika.com/are-cds-worth-it/) - CDs offer a safe place to put your money and earn more than a regular savings account — but they don't earn as much as investing over time.
- [25 Investment Terms to Know If You’re a Beginner Investor](https://erika.com/investment-terms-to-know/) - Investing can feel overwhelming with all the lingo. But knowing these common investing terms will make you a more confident investor.
- [12 Money-Saving Tips to Transform Your Finances in One Year](https://erika.com/money-saving-tips/) - Looking for some money-saving challenges to help you reach your financial goals this year? Here are 12 challenges we’re eager to try.
- [Should You Pay Off Debt or Invest? A Guide to Help You Prioritize](https://erika.com/pay-off-debt-or-invest/) - Sitting on a mountain of debt can be both crippling and costly. But putting off investing could also be costly to your future.
- [What Are Alternative Investments?](https://erika.com/what-are-alternative-investments/) - Alternative investments are non-traditional assets — anything from fine art to private equity to sports memorabilia. Here’s how to invest in them.
- [How To Set Your Investment Goals](https://erika.com/how-to-set-investment-goals/) - Before choosing any investment goals, assess your current financial situation. Then set your goals as short, medium, or long-term.
- [How To Create a Budget as a Freelancer](https://erika.com/freelancer-budget/) - Budgeting around an irregular paycheck can be challenging. These 10 steps will help you better manage your finances as a freelancer.
- [Do You Need a Financial Planner? ](https://erika.com/do-you-need-financial-planner/) - If you’re a DIY investor, getting professional advice may give you more confidence in your financial planning.
- [How To Make Money on YouTube](https://erika.com/how-to-make-money-on-youtube/) - Consistent content creation is key to succeeding on YouTube. Upload regularly and always provide genuine value to your viewers.

## Pages

- [Home](https://erika.com/) - Discover Erika Kullberg's financial tips on investing, credit cards, budgeting, insurance, savings, banking, and side hustles for a smarter financial future.
- [Free Stuff](https://erika.com/links/) - Get all of Erika Kullberg's free resources here, including the Investing Workshop, the Top Five Print Hacks Guide and more.
- [Free Stuff - 2026 Draft](https://erika.com/free-stuff-2026-draft/) - Some of the links on this page are affiliate links, which means if you click on the link, we may earn a commission. × Some of the links on this page are affiliate links, which means if you click on the link, we may earn a commission. Some of the links on this page are
- [The Investor Personality Quiz](https://erika.com/the-investor-personality-quiz/) - The Investor Personality Quiz Discover Your Investing Style in Under 2 Minutes Everyone approaches money differently — and your investing strategy should reflect that. This quick quiz helps you uncover your natural style so you can choose the right path for growing your wealth with more confidence and less overwhelm.
- [Terms & Conditions](https://erika.com/terms-conditions/) - Discover clarity and confidence in our Terms and Conditions. Navigate these policies for a seamless online interaction.
- [Webull Account](https://erika.com/webull-open-account/) - We may earn a commission from some links on this page. × My Recommended Company I set up a special link for you! Use the button below to claim the current bonus. It’s even better than the old 3 free fractional shares offer you might have seen before:Make a deposit of $500 or more to
- [Best Balance Transfer Cards](https://erika.com/best-balance-transfer-cards/) - Affiliate Disclosure Erika Kullberg See My Top Balance Transfer Card Picks See My Top Balance Transfer Card Picks
- [Investing Calculator](https://erika.com/investing-calculator/) - Use this free investing calculator tool to understand how to plan out your investing goals and options, in a way that matches your lifestyle.
- [Privacy Policy](https://erika.com/privacy-policy/) - Protecting your data is our priority. Explore our Privacy Policy for a secure online experience. Your privacy matters to us.
- [Investing App](https://erika.com/top-investingapp/) - Affiliate Disclosure Erika Kullberg This is an investing app I personally use and recommend: Investing App Investing App
- [Top Cards](https://erika.com/topcards/) - Affiliate Disclosure Erika Kullberg See My Favorite Cards See My Favorite Cards
- [Top Cards V2](https://erika.com/topcards-v2/) - Affiliate Disclosure AFFILIATE DISCLOSURE: Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as bankrate.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. EDITORIAL DISCLOSURE: Opinions expressed here are
- [Payoff](https://erika.com/payoff/) - We may earn a commission from some links on this page. × Erika Kullberg We may earn a commission from some links on this page. If you have credit card debt, check to see how much you could save by consolidating it through a personal loan. See If You qualify My Recommended Company If you
- [Payoff [Dec. 10th Backup]](https://erika.com/payoff-dec10/) - We may earn a commission from some links on this page. × Save thousands in interest while paying off your credit card debt 1-3 years faster Without increasing your monthly payment or taking on extra fees! Erika Kullberg We may earn a commission from some links on this page. If you have credit card debt,
- [Payoff [Dec. 1st Backup]](https://erika.com/payoff-dec1/) - We may earn a commission from some links on this page. × Erika Kullberg This Is The Easiest Way To Pay Off Your Debt 1–3 Years Faster And Save THOUSANDS In Interest… Without increasing your monthly payment or taking on extra fees! If you have credit card debt, check to see how much you could
- [Free Stuff [Dev]](https://erika.com/free-stuff-dev/) - Some of the links on this page are affiliate links, which means if you click on the link, we may earn a commission. × Some of the links on this page are affiliate links, which means if you click on the link, we may earn a commission. Erika Kullberg Lawyer & Money Expert Hey there!
- [About [Dev]](https://erika.com/about-dev/) - About Erika Kullberg Hi, I’m Erika. I'm a lawyer and the most-followed personal finance expert in the world. You might recognize me from my viral tagline, “I read the fine print so you don’t have to!”I discovered my passion for personal finance after realizing I was drowning in over $200,000 of student debt and needed
- [Payoff [Nov. 19th Backup]](https://erika.com/payoff-nov19/) - We may earn a commission from some links on this page. × Erika Kullberg We may earn a commission from some links on this page. If you have credit card debt, check to see how much you could save by consolidating it through a personal loan. See If You qualify How to pay off your
- [Articles](https://erika.com/articles/) - Escape debt, build wealth, master personal finance, and invest. Learn about mortgage, budgeting, retirement, and insurance.
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- [Contact Us](https://erika.com/contact-us/) - Contact Us Partner with Erikapartnerships@erika.com Content and Editorialeditor@erika.com Media Inquiriesmedia@erika.com Erika Kullberg InsidersClick here Customer Supportsupport@erika.com Podcast & Guest Inquiriespodcast@erikakullberg.com Pitch Us! We're always looking for great financial writers and articles. Submit your pitches here.
- [Free Stuff V2](https://erika.com/free-stuff-v2/) - Some of the links on this page are affiliate links, which means if you click on the link, we may earn a commission. × Some of the links on this page are affiliate links, which means if you click on the link, we may earn a commission. Some of the links on this page are
- [Recommended Credit Cards](https://erika.com/recommended-credit-cards/) - My Recommended Credit Cards Advertiser Disclosure Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For the Aspiring Jetsetter Chase Sapphire Preferred® Card If you’re ready to dip your toes into the world of travel points, this card is the one
- [MDI Refund Policy](https://erika.com/million-dollar-refund-policy/) - Last Updated on Oct-21-2025 Million Dollar Investor – The “Million Dollar Investor” operates under the Risk-Free Guarantee Terms & Conditions. After the program has ended, if you did not feel 100% satisfied with the program, then from the day the program has concluded, you will have 14 days to claim our risk-free guarantee and we’ll refund
- [Terms & Conditions - First Class Travel Secrets - November 2024](https://erika.com/terms-conditions-fcts-nov-2024/) - Last Updated on Oct-15-2025 NOTICE: Please read the Terms & Conditions set forth below, which are legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by these Terms & Conditions and our Privacy Policy and Disclaimer. Full terms and
- [Terms & Conditions - First Class Travel Secrets - November 2024 - Jan 27, 2025](https://erika.com/terms-conditions-fcts-nov-2024-jan-27-2025/) - Last Updated on Oct-15-2025 NOTICE: Please read the Terms & Conditions set forth below, which are legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by these Terms & Conditions and our Privacy Policy and Disclaimer. Full terms and
- [Terms & Conditions - First Class Travel Secrets - January 27, 2025](https://erika.com/terms-conditions-fcts-jan-27-2025/) - Last Updated on Oct-15-2025 NOTICE: Please read the Terms & Conditions set forth below, which are legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by these Terms & Conditions and our Privacy Policy and Disclaimer. Full terms and
- [Terms & Conditions - First Class Travel Secrets - March 3, 2025](https://erika.com/terms-conditions-fcts-mar-03-2025/) - Last Updated on Oct-15-2025 NOTICE: Please read the Terms & Conditions set forth below, which are legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by these Terms & Conditions and our Privacy Policy and Disclaimer. Full terms and
- [Terms & Conditions - First Class Travel Secrets - September 13, 2025](https://erika.com/terms-conditions-fcts-sep-13-2025/) - Last Updated on Oct-15-2025 NOTICE: Please read the Terms & Conditions set forth below, which are legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by these Terms & Conditions and our Privacy Policy and Disclaimer. Full terms and
- [Home V4](https://erika.com/home-v4/) - Flight issues? We read the fine print, you get the money you deserve. You could be entitled to more than $650 in compensation— completely free, no fees, no catch. Delayed Flight Canceled Flight I had a different issue with my flight 100% Free Lawyer Approved Flight issues? We read the fine print, you get the
- [About](https://erika.com/about/) - About Erika Kullberg Hi, I’m Erika. I'm a lawyer and the most-followed personal finance expert in the world. You might recognize me from my viral tagline, “I read the fine print so you don’t have to!”I discovered my passion for personal finance after realizing I was drowning in over $200,000 of student debt and needed
- [Youtube Course](https://erika.com/youtube-course/) - Taught by attorney Erika Kullberg Mastering YouTube for the busy professional. join now 15 modules 94 lessons All Skill Level English Language arrow-icon-size3 Get Started Hello! I Am Erika Kullberg. I went from 0 subscribers to making over $100,000 from YouTube in under a year, all while working full-time as a lawyer. I know you're
- [3D Money Special](https://erika.com/3d-money-special/) - As seen on The Erika Taught Me Podcast Kickstart Your Financial Freedom with Erika Kullberg TIKTOK 1 INSTAGRAM 1 FACEBOOK 1 YOUTUBE 1 As seen on... Special Price: $600 $375 Let's get started 94 video Lessons 8+ Hours of Content never before seen with erika Exclusive Bonuses 5+ hours with industry experts Lifetime Access
- [Ending Soon](https://erika.com/ending-soon/) - ENDING SOON! Learn More Chase Sapphire Preferred® Card Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening ENDING SOON! Chase Sapphire Preferred® Card Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening Learn More
- [Free Stuff - Travel Workshop Promo - Instagram](https://erika.com/free-stuff-travel-workshop-promo-instagram/) - Get all the Erika Kullberg free resources here, including my 3D Money Course Waitlist, free stocks, my Top Fine Print Hacks and more.
- [Free Stuff - YouTube](https://erika.com/yt/) - Get all the Erika Kullberg free resources here, including my 3D Money Course Waitlist, free stocks, my Top Fine Print Hacks and more.
- [5DIC - 3D Money Special](https://erika.com/5dic-3d-money-special/) - As seen on The Erika Taught Me Podcast Kickstart Your Financial Freedom with Erika Kullberg TIKTOK 1 INSTAGRAM 1 FACEBOOK 1 YOUTUBE 1 As seen on... Special Price: $600 $375 Let's get started 94 video Lessons 8+ Hours of Content never before seen with erika Exclusive Bonuses 5+ hours with industry experts Lifetime Access on-demand
- [3D Money Expired](https://erika.com/3dmexpired/) - Sorry, this offer has expired Thank you SO much for your interest in 3D Money! We've closed enrollment in the course today, but that doesn't mean you can't take charge of your financial future! I recommend taking our 5-Day Investing Challenge or our 5-Day Savings Challenge if you want to get a taste of some
- [Free Stuff - Linkedin](https://erika.com/linkedin/) - Get all the Erika Kullberg free resources here, including my 3D Money Course Waitlist, free stocks, my Top Fine Print Hacks and more.
- [Free Stuff - Instagram](https://erika.com/ig/) - Get all the Erika Kullberg free resources here, including my 3D Money Course Waitlist, free stocks, my Top Fine Print Hacks and more.
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- [Free Stuff - Twitter](https://erika.com/twitter/) - Get all the Erika Kullberg free resources here, including my 3D Money Course Waitlist, free stocks, my Top Fine Print Hacks and more.
- [Press](https://erika.com/press/) - Erika Kullberg is an attorney who wanted to educate viewers on tips and tricks that could save them money and finance-related headaches. Seemingly out of nowhere, a cheery woman's helpful videos sharing financial tips and flagging the fine print found in agreements and deals began appearing on TikTok, Twitter and Facebook feeds. The videos are
- [Get Erika's Complete Travel Secrets Guide](https://erika.com/travel-secrets-guide/) - Learn More With These Related Articles Flight Delay Compensation: Everything You Need to Know Delayed Baggage Compensation: What You’re Entitled to and How to Get It Trip Cancellation Insurance
- [Fine print hacks](https://erika.com/fine-print-hacks/) - get erika's top fine print hacks instantly ek Erika's Top fine print hacks Want to save money on your Nike shoes? Or know what you're entitled to the next time your flight is delayed? Get the inside scoop – download Erika Kullberg's free “Fine Print” hacks, because she's a lawyer and reads the fine print
- [Passive Income](https://erika.com/passive-income/) - Passive Income Erika Kullberg's Passive Income Guide Sign up below to receive the Passive Income Guide First Name Email* Submit
- [YouTube Guide](https://erika.com/youtube-guide/) - Download the Free YouTube Guide How I Grew From 0 Subscribers To Over $100,000 On YouTube In Less Than A Year Videos You Might Enjoy about growing a YouTube channel Watch now Watch Now
- [Affiliate Program Terms of Service](https://erika.com/affiliate-program-terms-of-service/) - Agreement Affiliate Program Terms of Service​ Last Updated: March 06, 2024.By signing up to be an Affiliate in the Erika Kullberg LLC and Plug and Law Affiliate Program (“Program”) you are agreeing to be bound by the following terms and conditions (“Terms of Service”). You are also bound by the Terms and Conditions and Privacy
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## Erika's Guests

- [Rachel Cruze](https://erika.com/erikas-guest/john-shen/) - How to Become Better With Money With Financial Expert Rachel Cruze
- [Ramit Sethi](https://erika.com/erikas-guest/1518-2/) - How Investment Advisors Rip You Off
- [Secretary Pete Buttigieg](https://erika.com/erikas-guest/723-2/) - Sec. Pete Buttigieg: Know the “Fine Print” Before You Travel
- [Barbara Corcoran](https://erika.com/erikas-guest/724-2/) - How Barbara Corcoran Turned $1,000 Into $66 Million

## My Partners

- [Sample](https://erika.com/my-partner/partners-name-1/)
- [Partner's Name 4](https://erika.com/my-partner/partners-name-4/)
- [Partner's Name 3](https://erika.com/my-partner/partners-name-3/)
- [Partner's Name 2](https://erika.com/my-partner/partners-name-2/)

## Popular Videos

- [QUIT MY $250,000 JOB after learning THIS about money](https://erika.com/popular-video/lorem-ipsum-dolor-sit-amet-3/) - This is something that I didn't realize about money. The moment I learned this lesson (through 10 words repeated to me on a phone call), it taught me everything I need to know about money and I quit.
- [15 SIDE HUSTLE IDEAS TO MAKE MONEY FROM HOME](https://erika.com/popular-video/lorem-ipsum-dolor-sit-amet/) - When it comes to making money, many people think the only way is to get a full-time job, but there are actually lots of different ways you can make money from home.
- [My 12 Sources of Income at Age 30](https://erika.com/popular-video/lorem-ipsum-dolor-sit-amet-2/) - A little over a year ago, 10 of these didn't exist, so if I can grow 10 income streams in a year starting from $0, I'm certain you can as well.

## Press

- [She teaches millions about personal finance online. Here’s what Erika Kullberg thinks you should know about managing your money](https://erika.com/press/she-teaches-millions-about-personal-finance-online-heres-what-erika-kullberg-thinks-you-should-know-about-managing-your-money/) - These days, Erika Kullberg spends most of her time explaining personal finance to 21 million followers on platforms including YouTube, TikTok, Instagram, and her podcast. But back in 2016, freshly graduated from Georgetown Law, she was anything but a finance guru. “The day I graduated, if you’d asked me how much I had in student
- [How Attorney Erika Kullberg Went From Practicing Law to Becoming TikTok Star ‘Erika Taught Me’](https://erika.com/press/how-attorney-erika-kullberg-went-from-practicing-law-to-becoming-tiktok-star-erika-taught-me/) - Erika Kullberg is an attorney who wanted to educate viewers on tips and tricks that could save them money and finance-related headaches. Seemingly out of nowhere, a cheery woman's helpful videos sharing financial tips and flagging the fine print found in agreements and deals began appearing on TikTok, Twitter and Facebook feeds. The videos are
- [Students, here are top savings hacks as you head back to campus](https://erika.com/press/students-here-are-top-savings-hacks-as-you-head-back-to-campus/) - It’s that time of year – time to shelve the swimsuit and trade sleeping in for 8 a.m. classes and excessive amounts of caffeine. And with back to school comes something else that isn’t so fun: managing the costs of being a student.
- [From discounted trips to free books, these top hacks will help you nab deals](https://erika.com/press/from-discounted-trips-to-free-books-these-top-hacks-will-help-you-nab-deals/) - If you ask me, some of the best things in life truly are free. We work so hard for our money − so when we get to save some, it’s the best of feelings.The best price tag truly is $0, so here are three of my favorite hacks to get something free.
- [How can you be smarter with your money? Follow these five tips](https://erika.com/press/how-can-you-be-smarter-with-your-money-follow-these-five-tips/) - What does it mean to be smart with money? To be smart with money is to have a lot of it, right? Spoiler alert: You don’t have to have a lot of money to be smart with it. Being smart with your money comes down to your mindset and some simple decisions you make.
- [Have you started investing? There's no time like the present.](https://erika.com/press/have-you-started-investing-theres-no-time-like-the-present/) - Have you started investing yet? Or are you waiting for the right time? Investing can be one of those things that we view as a “someday” – someday you’ll have enough money to invest, someday you’ll be in the right job to invest, or someday you’ll find the exact right moment in life. Maybe you’re
- [Here's How Much an Influencer With 21 Million Followers Makes on YouTube, Facebook, and TikTok](https://erika.com/press/heres-how-much-an-influencer-with-21-million-followers-makes-on-youtube-facebook-and-tiktok/) - Erika Kullberg, an attorney with more than 21 million followers on social media, wants everyone to know how much social media sites really pay. Kullberg regularly creates personal finance content for YouTube, Instagram, and TikTok and helps get people what they're owed, like $1,000 if they're bumped from a flight. One of Kullberg's videos addresses
- [I’m a Female Financial Expert: 6 Ways To End the Misconception That Women Are Bad With Money](https://erika.com/press/im-a-female-financial-expert-6-ways-to-end-the-misconception-that-women-are-bad-with-money/) - A 2021 study published in the Journal of Economic Behavior & Organization found the stereotype that women are bad with money increased financial anxiety in women. This can lead to further damage by widening the gender gap in financial literacy. In other words, women told they’re bad with money can internalize this message to the
- [Make these 2 moves with your tax refund, says finance expert—one helped her pay off $200,000 in debt](https://erika.com/press/make-these-2-moves-with-your-tax-refund-says-finance-expert-one-helped-her-pay-off-200000-in-debt/) - Many Americans have the right idea: Just 11% say they plan to use their refund to fund a vacation or a splurge, according to a recent survey from Bankrate. The largest proportion of respondents — 28% — said they planned to put their refund into savings, and another 19% said they’d use the cash to
- [Travel Hacks for the Holidays](https://erika.com/press/travel-hacks-for-the-holidays/)
- [Erika Kullberg Reads the Fine Print](https://erika.com/press/erika-kullberg-reads-the-fine-print/) - To her 20 million followers, Erika Kullberg, 32, is a cheerful source of personal finance how-tos and hacks (don’t throw out those old Nikes — you could use them to get new ones for free!). But before she amassed her audience, she was a corporate lawyer with $225,000 in student debt. She paid it off
- [TikTok Attorney on Travel Hacks the Airlines Don't Want you to Know](https://erika.com/press/tiktok-attorney-on-travel-hacks-the-airlines-dont-want-you-to-know/)
- [Common Travel Policy Questions Answered by Lawyer With Huge Social Following for Explaining the “Fine Print”](https://erika.com/press/common-travel-policy-questions-answered-by-lawyer-with-huge-social-following-for-explaining-the-fine-print/) - Traveling can be an uplifting and rewarding experience… but it can also be extremely stressful. That’s why lawyer Erika Kullberg (Instagram: @erikankullberg) — who gives her combined 19 million social media followers tips on travel and personal finance — is here to answer the most common travel policy questions. As seen in her viral videos,
- [Viral Finance Expert Shares Ways You Can Save](https://erika.com/press/viral-finance-expert-shares-ways-you-can-save/) - Lawyer Erika Kullberg is going viral on TikTok for her investment advice, money-saving hacks and travel tips.
- [Viral Sensation Erika Kullberg On Easy Ways You Can Save Money](https://erika.com/press/viral-sensation-erika-kullberg-on-easy-ways-you-can-save-money/) - Attorney and money expert Erika Kullberg chats with California Live’s Paul Costabile about how she became a personal finance expert and offers a few easy tips on how you can start saving more money.
- [Making the most of your credit card benefits with Erika Kullberg](https://erika.com/press/making-the-most-of-your-credit-card-benefits-with-erika-kullberg/) - Personal finance expert, attorney and influencer, Erika Kullberg, reads the fine print so you don’t have to.
- [Save Money! Personal Finance Expert Erika Kullberg on Airlines, Medical Errors, Delayed Deliveries](https://erika.com/press/save-money-personal-finance-expert-erika-kullberg-on-airlines-medical-errors-delayed-deliveries/) - Nearly every transaction in life involves a contract, whether it's flying or even buying a pair of shoes. Personal finance expert Erika Kullberg, who reads the fine print so you don't have to, offers up several tips for the DBL Nation, including how to ask for compensation for lost luggage and delayed flights, finding errors
- [Lawyer, viral on TikTok for reading the fine print, shares advice](https://erika.com/press/lawyer-viral-on-tiktok-for-reading-the-fine-print-shares-advice/) - Erika Kullberg, an attorney and personal finance expert who has gone viral on TikTok, talks about the deals she has found from companies after reading the fine print. She also shares tips if your flight gets canceled or delayed.
- [4 tips to save money with brands like Nike and Starbucks from a TikToker who paid off $200,000 in student debt in 2 years ](https://erika.com/press/4-tips-to-save-money-with-brands-like-nike-and-starbucks-from-a-tiktoker-who-paid-off-200000-in-student-debt-in-2-years/) - Erika Kullberg graduated from law school with over $200,000 in debt but paid it off in two years. Now, she's trying to help young people get ahead financially and learn their rights as consumers. Last September, she made nearly $6,000 sharing financial advice over social media. Her most popular content features her “reading the fine
- [TikTok's Your ‘Money Lawyer' Shares How to Handle Flight CancellationsLawyer, viral on TikTok for reading the fine print, shares advice](https://erika.com/press/tiktoks-your-money-lawyer-shares-how-to-handle-flight-cancellationslawyer-viral-on-tiktok-for-reading-the-fine-print-shares-advice/) - Thousands of people were left stranded over the holiday break after Southwest Airlines canceled hundreds of flights, leaving some also without their luggage. Erika Kullberg, an attorney who has gone viral on TikTok as your “Money Lawyer,” joined Ryan Seacrest on-air to share what travelers can do in the future when it comes to refunds
- [Erika Kullberg reveals how much she’s made on TikTok, YouTube and Facebook](https://erika.com/press/erika-kullberg-reveals-how-much-shes-made-on-tiktok-youtube-and-facebook/) - An influencer with more than 70 million followers has revealed what many of us really want to know about the industry: how much they get paid. If you are on TikTok you probably know Erika Kullberg as the lawyer “who reads the fine print so I don’t have to”. She has 9 million followers on
- [Saving money while dealing with travel troubles, Erika Kullberg has some advice](https://erika.com/press/saving-money-while-dealing-with-travel-troubles-erika-kullberg-has-some-advice/) - TikToker and lawyer Erika Kullberg shares travel tips to save money and avoid stress amid airport chaos.
- [Finance influencer talks social media, retail hacks, and what to know when you travel](https://erika.com/press/finance-influencer-talks-social-media-retail-hacks-and-what-to-know-when-you-travel/) - Plug and Law Attorney and Founder Erika Kullberg outlines how she got started on TikTok, where people can save money in retail and travel expenses, and pay transparency among creators.
- [Retail saving tips with Erika Kullberg](https://erika.com/press/retail-saving-tips-with-erika-kullberg/) - She’s a social media influencer who is known for “reading the fine print” so we don’t have to – From air pods to adidas, Lawyer and content creator Erika Kullberg joins us with money saving tips when it comes to retail.
- [What to know if an airline wantsto bump you from a flight](https://erika.com/press/what-to-know-if-an-airline-wantsto-bump-you-from-a-flight/) - It’s a story that has become more common at airports: After you show up, get through security and walk to your assigned gate, you hear an announcement that the airline is looking for volunteers to give up their seats. If you’re unlucky, you find out you’re getting “bumped” from the flight because the airline overbooked.
- [Yes, you can get a refund if your flight is canceled and you choose not to travel](https://erika.com/press/yes-you-can-get-a-refund-if-your-flight-is-canceled-and-you-choose-not-to-travel/) - Yes, you can get a refund if your flight is canceled and you choose not to travel. You are entitled to a refund if an airline cancels your flight and you don’t travel, even for non-refundable tickets, as a viral TikTok video claims. But what options do you have if your flight is canceled? In
- [How to get a free pair of Nikesneakers and other life hacks](https://erika.com/press/how-to-get-a-free-pair-of-nikesneakers-and-other-life-hacks/) - Reading the fine print or understanding available offers means you could be saving money or taking advantage of refunds or freebies that you might not have otherwise known about, like a brand-new pair of Nike sneakers. That’s the kind of attention to detail that can lead to some surprising upsides, according to Erika Kullberg, lawyer
- [5 money-saving tips from a TikTok lawyer who reads the fine print](https://erika.com/press/5-money-saving-tips-from-a-tiktok-lawyer-who-reads-the-fine-print/) - Reading the fine print means you could be saving money that you might not have otherwise known about, according to Erika Kullberg, lawyer and founder of Plug and Law, a legal tech start-up for small businesses and entrepreneurs. Kullberg found that you could be eligible for compensation for everything from getting bumped from your flight
- [Bumped from a flight? Here’s how much the airline may owe you](https://erika.com/press/bumped-from-a-flight-heres-how-much-the-airline-may-owe-you/) - A recent viral TikTok by lawyer Erika Kullberg broke down the “involuntary denied boarding practice” and demonstrated how you might be owed $1,000 for being bumped off a flight. Kullberg, who prides herself in “reading the fine print” to help people navigate similar situations, used the DOT’s rules for the video, but it’s also worth
- [ Travel Hacks you should know when flying](https://erika.com/press/travel-hacks-you-should-know-when-flying/) - Corporate Lawyer turned TikTok sensation Erika Kullberg joins us with her top viral videos on how to get the most out of your ticket and knowing your rights.
- [Lawyer reveals little known consumer secrets on viral TikToks](https://erika.com/press/lawyer-reveals-little-known-consumer-secrets-on-viral-tiktoks/) - Erika Kullberg is helping consumers know their rights through her viral TikTok videos. She shares content using companies' terms and conditions agreements that can bring to light the fine print of everything from lowering bills to negotiating severance packages.
- [Lawyer and travel expert reveals why you should NEVER pay in dollars on your credit card while abroad – explaining it's a ‘trick' that allows stores to take more money from you](https://erika.com/press/lawyer-and-travel-expert-reveals-why-you-should-never-pay-in-dollars-on-your-credit-card-while-abroad-explaining-its-a-trick-that-allows-stores-to-take-more-money-from-you/) - Erika Kullberg, an attorney who studied at Georgetown Law, explained that when buying things overseas, it's important to purchase them in the local currency and not U.S. dollars – because stores will often charge an extra fee to pay in USD, and give you a bad conversion rate. Erika warned her followers about the ‘trick'
- [13 women leading in the personal-finance creator space and helping their social-media audiences budget, invest, and pay off debt](https://erika.com/press/13-women-leading-in-the-personal-finance-creator-space-and-helping-their-social-media-audiences-budget-invest-and-pay-off-debt/) - According to a recent survey of 1,400 investors aged 18 to 40, conducted by The Motley Fool, a whopping 91% of Gen Zers and 75% of millennials turn to social media for information on investing. There are hundreds of creators across all major platforms sharing their tips on how to save money and invest, and
- [A viral TikTok showed how to get $1,000 if you’re bumped from a flight. We unpack that.](https://erika.com/press/a-viral-tiktok-showed-how-to-get-1000-if-youre-bumped-from-a-flight-we-unpack-that/) - If you’ve ever been bumped from a flight, it probably ranks high on your list of biggest travel headaches. That may be why a recent TikTok detailing how passengers can get compensation for being bumped has racked up millions of views. Erika Kullberg, a 31-year-old lawyer, posted the video in which she plays both passenger
- [TikToker Shares How to Get Paid When You're Bumped From a Flight. People said it worked for them.](https://erika.com/press/tiktoker-shares-how-to-get-paid-when-youre-bumped-from-a-flight-people-said-it-worked-for-them/) - TikToker and lawyer Erika Kullberg has racked up millions of views on a video that explains how you can get money from airlines if they bump you from a flight. In the video from December, Kullberg, who had 7 million followers at the time of writing, acts out a conversation between an airline employee and
- [Lawyer Shares Hacks Travellers Can Learn From Reading the ‘Fine Print' of Airline Policies](https://erika.com/press/lawyer-shares-hacks-travellers-can-learn-from-reading-the-fine-print-of-airline-policies/) - A lawyer has become a trending source of useful travel information after dedicating her TikTok account to the hacks that can be learned from reading the fine print. Erika Kullberg, who goes by the username @erikakullberg on TikTok, where she has more than 7m followers, frequently uses the platform to share tips and tricks for
- [Suffering from Terrible Holiday Travel? This TikTok Lawyer Can Help](https://erika.com/press/suffering-from-terrible-holiday-travel-this-tiktok-lawyer-can-help/) - If your flight is delayed, she has the language you need to get your airline to book a hotel for you and bump your seat to first class. If your flight is overbooked and you get bumped, Kullberg has a script you can use to get compensated for up to four times the value of
- [Lawyer Reveals Little-Known Hack To Get Brand New Pair of Nikes for Free](https://erika.com/press/lawyer-reveals-little-known-hack-to-get-brand-new-pair-of-nikes-for-free/) - There's nothing like wearing a fresh pair of kicks, and also nothing worse than having to fork out a small fortune when they get scuffed and ripped. But one woman, Erika Kullberg, has shared a little-known hack to TikTok, delving into the brand's warranty. Kullberg revealed customers can get a new pair of sneakers—for free—up
- [Lawyer Reveals How To Get Huge Pay-Outs if an Airline Bumps You From Flight](https://erika.com/press/lawyer-reveals-how-to-get-huge-pay-outs-if-an-airline-bumps-you-from-flight/) - A lawyer who specializes in finances has gained over 30 million views online with her advice on how to claim back thousands in compensation from an airline. In two months, Erika Kullberg has gained over 6 million followers on TikTok, where she often advises people on tips and tricks to one-up companies. Kullberg is a
- [Viral TikTok video points out airlines can owe big refunds for bumping some passengers](https://erika.com/press/viral-tiktok-video-points-out-airlines-can-owe-big-refunds-for-bumping-some-passengers/)
- [I'm a lawyer and here's how you can get free food, drinks and CASH from airlines](https://erika.com/press/im-a-lawyer-and-heres-how-you-can-get-free-food-drinks-and-cash-from-airlines/) - Erika Kullberg has shared a video explaining how passengers are entitled to freebies from an airline if a flight is overbooked. Airlines often intentionally overbook flights in anticipation that some passengers won't show up. But if they do show up, then there aren't enough seats for each person so some people get bumped from the
- [What TikToks Broke the Algorithm in 2021? ](https://erika.com/press/what-tiktoks-broke-the-algorithm-in-2021/) - (Shh, she doesn’t know I know this hack.) Lawyer Erika Kullberg describes herself as someone who “reads the fine print so you don’t have to,” sharing tips on how to save money while shopping at Costco to getting free upgrades on flights. While I will never be brave enough to ask a retail worker for
- [‘It was the best decision of my life’: Meet 4 people who left high-paying corporate jobs to pursue social media](https://erika.com/press/it-was-the-best-decision-of-my-life-meet-4-people-who-left-high-paying-corporate-jobs-to-pursue-social-media/) - “I just realized that there was no amount of money that I wanted to keep working, to have someone be able to just dictate my time and have control over me,” said Erika Kullberg, 31, who quit her job as a corporate attorney in 2019 after long hours prevented her from spending time with a
- [YouTuber draws praise for clip showing how much money she allegedly makes per video](https://erika.com/press/youtuber-draws-praise-for-clip-showing-how-much-money-she-allegedly-makes-per-video/) - It’s a question almost anyone watching videos online has probably asked themselves: How much do YouTubers make in a month? Thanks to YouTuber Erika Kullberg, viewers are getting a pretty detailed look into the process. The social media personality recently shared a viral TikTok breaking down her earnings.
- [An entrepreneur who ditched her 6-figure corporate job now earns thousands in passive income every month thanks to a few smart strategies](https://erika.com/press/an-entrepreneur-who-ditched-her-6-figure-corporate-job-now-earns-thousands-in-passive-income-every-month-thanks-to-a-few-smart-strategies/) - These days, “passive income” is a very familiar concept to Erika Kullberg, an attorney and personal-finance YouTuber who left her job as a corporate lawyer at a big firm to work for herself. But that wasn't always the case.
- [A millennial lawyer who quit her 6-figure job without another lined up took 4 steps first to make sure she could afford it](https://erika.com/press/a-millennial-lawyer-who-quit-her-6-figure-job-without-another-lined-up-took-4-steps-first-to-make-sure-she-could-afford-it/) - Kullberg left her law firm after she was denied an extension on a work assignment despite being in the middle of a family emergency. “It was heartbreaking, and I always say I don't blame the boss … but in that instant I knew I was going to quit,” she tells Insider.
- [Why a YouTube creator has focused on email as a way to connect directly with her fans](https://erika.com/press/why-a-youtube-creator-has-focused-on-email-as-a-way-to-connect-directly-with-her-fans/) - “I think of other platforms, like YouTube, as rented land,” Kullberg said. “The YouTube algorithm controls the reach. Over the past six months or so, I've put much more focus on growing my email list and have now grown it to over 20,000.”
- [How to create and sell an online course, according to a YouTuber who has made $36,000 in revenue from her first one](https://erika.com/press/how-to-create-and-sell-an-online-course-according-to-a-youtuber-who-has-made-36000-in-revenue-from-her-first-one/) - Erika Kullberg is an attorney who runs a personal-finance YouTube channel under the same name. Kullberg launched her YouTube channel in October 2019 after leaving her job as a corporate lawyer. Now her channel has 57,000 subscribers.
- [Use these strategies to get that raise, even during the pandemic](https://erika.com/press/use-these-strategies-to-get-that-raise-even-during-the-pandemic/) - Reach out to area recruiters for info on comparable local salaries for your role, says Erika Kullberg, an American lawyer based in Tokyo. Ask your employer for a precise number, not a rounded figure or range. “It gives the impression that you understand the true value,” Kullberg said.
- [How this woman paid off $200K in student loans in less than two years](https://erika.com/press/how-this-woman-paid-off-200k-in-student-loans-in-less-than-two-years/) - Student loan debt can feel overwhelming, but in Erika Kullberg’s experience, facing it head-on, learning about options to manage it, and buckling down to a plan made all the difference.
- [How to pay off over $200,000 in student loans in under 2 years](https://erika.com/press/how-to-pay-off-over-200000-in-student-loans-in-under-2-years/) - In 2016, Erika Kullberg graduated from Georgetown Law with $225,526 worth of student loans a well-paying job as a corporate lawyer. But it wasn't until a few months after graduation that she realized the gravity of her debt and the importance of getting rid of it as soon as possible.
- [10 YouTube creators break down their exact monthly incomes from the platform — from under $600 to over $140,000](https://erika.com/press/10-youtube-creators-break-down-their-exact-monthly-incomes-from-the-platform-from-under-600-to-over-140000/) - Erika Kullberg is an attorney who runs a personal-finance YouTube channel under the same name. Kullberg launched her YouTube channel in October 2019 after leaving her job as a corporate lawyer. Now her channel has 57,000 subscribers.
- [Going Viral: 3,000,000 Views in Under 8 Months with Erika Kullberg](https://erika.com/press/going-viral-3000000-views-in-under-8-months-with-erika-kullberg/)
- [YouTube will let shorter videos use mid-roll ads and creators are excited about a potential income boost](https://erika.com/press/youtube-will-let-shorter-videos-use-mid-roll-ads-and-creators-are-excited-about-a-potential-income-boost/) - For Erika Kullberg, an attorney who runs a personal-finance YouTube channel under the same name with 64,000 subscribers, the change will likely help her channel generate more money than before, she told Business Insider.
- [How much money a YouTube creator with around 50,000 subscribers made in May after her videos on stimulus checks surged in views](https://erika.com/press/how-much-money-a-youtube-creator-with-around-50000-subscribers-made-in-may-after-her-videos-on-stimulus-checks-surged-in-views/) - About six months ago, Erika Kullberg left her job as a corporate lawyer and started a personal-finance YouTube channel, which now has 56,000 subscribers. Kullberg is an attorney, and she left her corporate job last year to start her own legal company, she said.
- [Try these expert negotiation strategies for refunding or rescheduling your vacation](https://erika.com/press/try-these-expert-negotiation-strategies-for-refunding-or-rescheduling-your-vacation/) - Erika Kullberg, an American lawyer based in Tokyo, talked her way into a refund. She’d used her United Airlines miles to book a ticket to Jamaica but had to cancel after the coronavirus outbreak.
- [After the Fed slashed interest rates, I moved 50% of my savings into a CD to keep earning interest on my money](https://erika.com/press/after-the-fed-slashed-interest-rates-i-moved-50-of-my-savings-into-a-cd-to-keep-earning-interest-on-my-money/) - Erika Kullberg, an attorney and personal finance expert, says that because we are in very uncertain economic times, it's perhaps more important than ever to put cash in a CD that offers a high interest rate and no penalty to withdraw.
- [Why Student Debt Is Crippling Entrepreneurship](https://erika.com/press/why-student-debt-is-crippling-entrepreneurship/)
- [The Business Case for Employee Student Loan Repayment Programs](https://erika.com/press/the-business-case-for-employee-student-loan-repayment-programs/) - “I graduated from law school with over $200,000 in student loans, and I'm not alone,” says Erika Kullberg, a former corporate attorney with Morrison & Foerster in Tokyo who now runs her own YouTube channel teaching finance to Millennials.
- [How to Get Your Portfolio Off to a Good Start for 2020](https://erika.com/press/how-to-get-your-portfolio-off-to-a-good-start-for-2020/) - “The beginning of the new year is the perfect time to get your finances off to a good start,” says attorney Erika Kullberg, who runs a personal finance YouTube channel. “One thing that should be at the top of your financial resolutions is to start budgeting,” she says.

## Categories

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- [Erika's Favorite Articles](https://erika.com/erikas-favorite-articles/) - Explore Erika Kullberg's articles for expert insights on personal finance & investing strategies. Boost your financial literacy for smarter, informed decisions.
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