Sarah Li Cain

About the Author

Sarah Li Cain, AFC is a finance and small business writer with over a decade of experience. Her work has been featured in numerous publications, including Kiplinger, Fortune, CNBC Select, U.S. News & World Report, and Redbook.

The latest articles from Sarah Li Cain

Money & Life

How to Make a Budget in 5 Steps

Sarah Li Cain | August 31, 2026

Credit

How Fast Will a Secured Card Build Credit?

Sarah Li Cain | August 28, 2026

Life & Career

Good-Paying Jobs Without a College Degree or Work Experience

Sarah Li Cain | August 25, 2026

Credit

Average Credit Score by Age 60

Sarah Li Cain | August 25, 2026

money

Guide to Exchanging Foreign Currency

Sarah Li Cain | August 19, 2026

Credit

What Is the Average Credit Score for a 25 Year Old?

Sarah Li Cain | August 13, 2026

Budgeting & Goals

Does Financing a Phone Help Build Credit?

Sarah Li Cain | August 10, 2026

Budgeting & Goals

Does Paying Rent Build Credit?

Sarah Li Cain | August 10, 2026

Credit

Does Getting Married Affect Your Credit Score?

Sarah Li Cain | August 10, 2026

Credit

What Does a 700 Credit Score Mean?

Sarah Li Cain | August 06, 2026

Credit

What Does Unlimited Cash Back Mean? Is It Worth It?

Sarah Li Cain | August 06, 2026

Credit

Do Monthly Subscriptions to Digital Services Help Build Your Credit Score?

Sarah Li Cain | July 30, 2026

Credit

How Long Does a Credit Card Refund Take?

Sarah Li Cain | July 15, 2026

Credit

Guide to Lowering Your Credit Card Utilization

Sarah Li Cain | July 15, 2026

Budgeting & Goals

Can You Overdraft Your Savings Account?

Sarah Li Cain | July 13, 2026

Family Finances

What Is a Split-Level House? Should You Consider Owning One?

Sarah Li Cain | July 08, 2026

Budgeting & Goals

Understanding ACH Transfer Limits for Incoming and Outgoing Transactions

Sarah Li Cain | July 05, 2026

Financial Independence

What Happens if You Overdraft Your Bank Account and Don’t Pay It Back?

Sarah Li Cain | June 30, 2026

Budgeting & Goals

What Is a Confirmed Letter of Credit?

Sarah Li Cain | June 22, 2026

Budgeting & Goals

What Is a Premium Checking Account?

Sarah Li Cain | June 15, 2026

Budgeting & Goals

7 Tips on Managing a Checking Account

Sarah Li Cain | June 15, 2026

money

Mobile Deposit Scams: How to Avoid Mobile Deposit Fraud

Sarah Li Cain | June 12, 2026

Credit

How Does Credit Utilization Affect Your Credit Score?

Sarah Li Cain | June 12, 2026

Money & Life

Checking vs Savings Accounts: Key Differences

Sarah Li Cain | June 11, 2026

Credit

A Guide to Switching Credit Cards

Sarah Li Cain | June 10, 2026

Budgeting & Goals

What Is a Checking Account? How Checking Accounts Work

Sarah Li Cain | June 05, 2026

Budgeting & Goals

Do You Need Overdraft Protection? The Pros and Cons

Sarah Li Cain | June 03, 2026

Family Finances

What Is a Manufactured Home? Explaining the Pros & Cons

Sarah Li Cain | June 02, 2026

Financial Independence

What Are Dividend Checking Accounts? How Do They Work?

Sarah Li Cain | June 02, 2026

Credit

Guide to Reopening a Closed Credit Card

Sarah Li Cain | June 01, 2026

Credit

What Is a Checking Line of Credit?

Sarah Li Cain | May 21, 2026

Budgeting & Goals

Paying Bills With a Savings Account

Sarah Li Cain | May 19, 2026

Financial Independence

Is $70,000 a Good Salary

Sarah Li Cain | May 19, 2026

Budgeting & Goals

A Guide to Managing Your Child’s Allowance

Sarah Li Cain | May 14, 2026

money

What Happens to Your Bank Account When You Die?

Sarah Li Cain | May 14, 2026

Budgeting & Goals

How to Deposit a Check at an ATM, Mobile App, or Bank Branch

Sarah Li Cain | May 12, 2026

Financial Independence

How Long Does It Take for a Deposited Check to Clear?

Sarah Li Cain | April 29, 2026

Financial Independence

What “Do Not Convert to ACH” Means on a Check

Sarah Li Cain | April 28, 2026

Financial Independence

What Are The Key Differences Between Wire and ACH Transfer Payments?

Sarah Li Cain | April 28, 2026

Budgeting & Goals

Average Grocery Budget for Family of 3

Sarah Li Cain | April 15, 2026

Budgeting & Goals

Are High-Yield Checking Accounts Worth It?

Sarah Li Cain | March 18, 2026

Credit

Benefits of a Credit Card With Priority PassTM

Sarah Li Cain | March 09, 2026

Life & Career

What Is the Average Pay in the United States Per Year?

Sarah Li Cain | March 06, 2026

Life & Career

Is $110K a Good Salary for a Single Person?

Sarah Li Cain | March 06, 2026

Credit

19 Common Credit Card Mistakes and Tips for Avoiding Them

Sarah Li Cain | February 23, 2026

Credit

Can You Pay Utilities With a Credit Card?

Sarah Li Cain | February 20, 2026

Credit

What Happens If You Stop Paying Your Credit Card Bill?

Sarah Li Cain | January 23, 2026

Credit

Average Credit Card Interest Rates: Updated

Sarah Li Cain | January 23, 2026

Going to College

10 Popular Scholarships for Women

Sarah Li Cain | December 14, 2025

Financial Independence

Flex Loans: Benefits and Drawbacks

Sarah Li Cain | December 14, 2025

Debt Payoff

What Is an Installment Loan and How Does It Work?

Sarah Li Cain | November 12, 2025

Going to College

What Is Need-Based Financial Aid?

Sarah Li Cain | November 10, 2025

Credit

Is 810 a Good Credit Score?

Sarah Li Cain | November 07, 2025

Budgeting & Goals

What Is an Interest Checking Account and How Does It Work?

Sarah Li Cain | November 02, 2025

Financial Independence

A Guide to Common Bank Scams, Frauds, and How to Avoid Them

Sarah Li Cain | August 15, 2025

Credit

Can You Pay Your Mortgage With a Credit Card?

Sarah Li Cain | August 12, 2025

Understanding Precomputed Interest and How It Impacts Loans

Sarah Li Cain | July 31, 2025

Credit

Tips for Maintaining a Good Credit Score

Sarah Li Cain | July 15, 2025

Budgeting & Goals

Paying Bills When You’ve Lost Your Job

Sarah Li Cain | July 11, 2025

Family Finances

How Long Should Bank Statements Be Kept

Sarah Li Cain | July 08, 2025

Financial Topics

What Is the Average Credit Score in California?

Sarah Li Cain | June 23, 2025

Budgeting & Goals

What’s the Difference Between Income and Net Worth?

Sarah Li Cain | April 16, 2025

Budgeting & Goals

How Much Should I Spend on Groceries a Month?

Sarah Li Cain | March 19, 2025

Credit

Guide to Canceling a Pending Transaction

Sarah Li Cain | January 23, 2025

Credit

Can You Pay Taxes With a Credit Card?

Sarah Li Cain | January 14, 2025

Family Finances

A Guide on Splitting a Joint Bank Account

Sarah Li Cain | January 03, 2025

Budgeting & Goals

9 Cheapest Pets to Own

Sarah Li Cain | January 03, 2025

Credit

What Does a Credit Score of 800 Mean?

Sarah Li Cain | March 02, 2023

Budgeting & Goals

Average Cost of Liability-Only Car Insurance

Sarah Li Cain | December 18, 2022

Family Finances

What Is the Average Monthly Cost of Car Insurance by Age in the US?

Sarah Li Cain | November 18, 2022

Credit

What Happens If You Don’t Use Your Credit Card?

Sarah Li Cain | October 13, 2022

Credit

Guide to Credit Card Cell Phone Protection

Sarah Li Cain | October 10, 2022

Credit

Paying a Credit Card Early: What to Know

Sarah Li Cain | September 01, 2022

Credit

Guide to Transferring a Credit Card Balance to Another Card

Sarah Li Cain | September 01, 2022

Budgeting & Goals

A Look at Marginal Propensity to Save (MPS)

Sarah Li Cain | September 13, 2021

SoFi Checking and Savings accounts are offered by SoFi Bank, N.A., Member FDIC.

SoFi Credit Cards are issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated.

SoFi Crypto products and services are offered by SoFi Bank, N.A.

Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender.

Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser.

©2026 Social Finance, LLC All rights reserved.
TLS 1.2 Encrypted
Equal Housing Lender