The 10 Most Popular Dear Penny Columns of 2022

The Dear Penny column has been a staple in personal finance advice for many years, offering practical and relatable advice for readers on a wide range of financial topics. Each year, the column's author, Penny, receives thousands of letters and emails from readers seeking advice on everything from saving for retirement to paying off debt. In 2022, the column featured some particularly popular and informative pieces that resonated with readers. Here, we'll take a look at the top 10 Dear Penny columns of the year and what made them so successful.

• How to Get Out of Debt in 2022 This column provided a comprehensive plan for readers to tackle their debt head-on in the new year. Penny shared specific tips and strategies for paying off credit card debt, student loans, and other types of debt, as well as resources and tools to help readers stay motivated and on track.
• The Best Ways to Save for Retirement in 2022 With many people feeling uncertain about the future of Social Security and other retirement benefits, this column offered practical advice for readers looking to take control of their own retirement savings. Penny discussed the benefits and drawbacks of various retirement savings accounts, such as 401(k)s, IRAs, and Roth IRAs, and provided tips for maximizing contributions and investment returns.
• The Pros and Cons of Renting vs. Buying in 2022 As the housing market continues to fluctuate, this column provided valuable insight for readers considering whether to rent or buy a home. Penny discussed the financial and lifestyle considerations for both options, as well as tips for making the best decision for each individual reader's situation.
• How to Make a Budget and Stick to It in 2022 Creating a budget can be a daunting task, but this column offered practical and easy-to-follow advice for readers looking to get their finances in order. Penny provided step-by-step instructions for setting up a budget, as well as tips for sticking to it and making adjustments as needed.
• The Top Investment Strategies for 2022 With the stock market continuing to experience highs and lows, this column provided valuable advice for readers looking to make smart investment decisions. Penny discussed the benefits and risks of various investment options, such as stocks, bonds, and real estate, and provided tips for diversifying a portfolio and minimizing risk.
• How to Save for a Down Payment on a House in 2022 Saving for a down payment on a house can be a daunting task, but this column provided practical advice and resources for readers looking to make the dream of homeownership a reality. Penny discussed the benefits of different savings accounts and strategies, as well as tips for cutting expenses and increasing income to save more money.
• The Best Credit Cards for 2022 With so many credit card offers available, it can be overwhelming to choose the right one. This column provided a helpful guide for readers looking to compare and choose the best credit card for their needs. Penny discussed the benefits and drawbacks of different types of credit cards, such as rewards cards, cashback cards, and balance transfer cards, and provided tips for using credit cards responsibly.
• How to Start an Emergency Fund in 2022 An emergency fund is an essential part of any financial plan, and this column provided practical advice for readers looking to start one. Penny discussed the benefits of having an emergency fund, as well as tips for saving money and building up a nest egg for unexpected expenses.
• The Top Tax Deductions for 2022 Tax season can be a stressful time, but this column provided valuable information for readers looking to maximize their deductions and minimize their tax bill. Penny

discussed common tax deductions, such as mortgage interest, charitable donations, and medical expenses, as well as lesser-known deductions that readers may be eligible for. She also provided tips for organizing and keeping track of expenses and documentation to make the tax filing process as smooth as possible.

• How to Start a Small Business in 2022 Starting a small business can be a challenging, but rewarding endeavor. This column provided practical advice and resources for readers who are considering starting their own business. Penny discussed the benefits and drawbacks of different types of small businesses, such as sole proprietorships, partnerships, and corporations, as well as tips for creating a business plan, obtaining funding, and marketing a new business.