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Robert Farrington

Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him on the About Page or on his personal site RobertFarrington.com.

He regularly writes about investing, student loan debt, and general personal finance topics geared toward anyone wanting to earn more, get out of debt, and start building wealth for the future.

He has been quoted in major publications, including the New York Times, Wall Street Journal, Washington Post, ABC, NBC, Today, and more. He is also a regular contributor to Forbes.

Robert’s latest articles

A vibrant, illustrative graphic titled "THE COLLEGE INVESTOR" depicts elements representing the economic cycle and stock market trends, central to understanding cyclical and consumer discretionary stocks. The image features a prominent red arrow sharply ascending from the lower left towards the upper right, symbolizing growth and expansion in the economy. Beneath the arrow, a dynamic red line graph undulates across a blue chart, illustrating the "boom and bust" periods of the economic cycle, including troughs, expansion, peaks, and contraction. Various financial icons are scattered throughout, including golden coins stacked and singular, suggesting investment and monetary value, along with white and dark document icons with lines, possibly representing financial reports or data. This visual encapsulates the article's focus on how investing in cyclical stocks can take advantage of the economic cycle, particularly when consumers have discretionary income during periods of expansion.
November 17, 2021

What Are Cyclical And Consumer Discretionary Stocks?

Cyclical and consumer discretionary stocks perform best during economic expansions and worst during recessions. Learn how to invest in them.

A mom holder her daughter, which represents the need for life insurance, as discussed in this Ethos Life Insurance Review.
November 15, 2021

Ethos Life Review: Fast And Simple Life Insurance Policies

If you’re looking for a simple and affordable term life insurance option, this Ethos Life review is a must read!

An illustrative image, branded with "The College Investor" logo, depicts various elements of online banking and financial management against a deep blue background. Central to the image is a computer monitor displaying a classical bank building facade, symbolizing Huntington Bank's services. Around the monitor, a young man sits on top, working on a laptop, representing digital access. To the right, paper financial statements, a checked box icon, and a credit card emphasize transactions and approvals. Below the monitor, a piggy bank collects golden coins, and a woman stands observing, while a man on the right holds up a dollar sign shield, signifying financial protection and investment. Other elements include stacks of cash, a percentage sign, and a smartphone displaying a banking app with a "PAY" button, alluding to the convenience of mobile banking and the different account types offered by Huntington Bank, such as checking, savings, and money market accounts.
November 10, 2021

Huntington Bank Review: Pros, Cons, And Alternatives

If you’d like to have most of your financial services under one roof, take a look at this Huntington Bank review — lots to explore!

This detailed illustration, set against a clean white background with a subtle gray gradient at the bottom, depicts a stylized white rocket with golden fins and a yellow nose cone, symbolizing a startup or a growing company. A professional-looking woman in a white blouse and dark blue skirt, holding a briefcase, is placing a large golden coin with a dollar sign into an opening on the rocket, representing investment in early-stage companies through venture capital. Several other golden coins float around the rocket, signifying potential returns from these investments. Accompanying the scene are abstract purple and yellow foliage elements, adding a touch of growth and innovation, reinforcing the theme of investing in private companies before their initial public offering (IPO) and the potential for becoming a millionaire through smart venture capital strategies made more accessible by the JOBS Act.
November 10, 2021

What Is Venture Capital? (And How To Invest)

Venture Capital (VC) provides financing for private companies such as startups and small businesses. Learn how to invest in venture capital.

A close-up, fanned-out display of various U.S. dollar denominations, including one hundred, fifty, twenty, ten, and five-dollar bills, creates a compelling visual that immediately draws attention to the article's focus on personal finance and budgeting. The crisp, green and beige currency notes are neatly arranged, suggesting financial organization and the careful management of money, which directly ties into the purpose of the YNAB (You Need A Budget) app discussed in the article. This image reinforces the importance of understanding and allocating every dollar, a core principle of effective budgeting and a key benefit highlighted in the review of YNAB as a budgeting software tool. The prominent display of different denominations emphasizes the practical application of budgeting for various expenses and financial goals.
November 10, 2021

YNAB Budget App Review: Pros, Cons, And Comparisons

So, you need help budgeting? Looking for the right online software? YNAB (youneedabudget.com) could be the perfect choice!

Marcus by Goldman Sachs
November 3, 2021

Marcus Savings Account Review: High-Yield Savings

Looking to earn a better yield on your hard-earned savings? Marcus by Goldman Sachs provides top rates on online savings and CD accounts.

This illustrative image for "The College Investor" article on Capital One 360 banking features a central laptop with hands poised over the keyboard, representing online financial management. Surrounding the laptop are various circular icons connected by lines, symbolizing different aspects of digital banking. To the top left, a blue circle contains a white bar graph with an upward trend, indicating financial growth or investment performance. A yellow gear icon to the top center suggests the mechanics or processes involved in managing accounts. To the top right, a blue "@" symbol within a circle signifies online communication or digital presence. Below the laptop, a yellow document icon on the left denotes paperwork or statements, while a piggy bank icon on the right represents savings and money market accounts. The overall graphic highlights the comprehensive online banking services discussed in the Capital One review.
November 3, 2021

Capital One 360 Bank Review: Pros, Cons, And Alternatives

If you’re looking for a bunch of banking products under one roof, take a look at this Capital One 360 banking review to find just that!

A warm-toned, illustrative image features a large, reddish-pink piggy bank centered on a light tan background, representing savings and financial planning. Six circular icons are strategically placed above and around the piggy bank, each connected by dashed lines, symbolizing different aspects of personal finance and expenditures. Clockwise from the left, these icons include a light blue circle with a white shopping cart, a red circle with a dollar sign, a yellow circle with a white graduation cap, a teal circle with two stacked books, and a reddish-pink circle with a white price tag. In the bottom left corner, the white text "THE COLLEGE INVESTOR" is prominently displayed. This visual reinforces the article's focus on online banking reviews, specifically HSBC, and encourages readers to consider how top-yielding savings products can help manage various financial goals and expenses, despite the bank's recent changes in its U.S. mass market retail banking business.
November 2, 2021

HSBC Bank Review: Pros, Cons, And Alternatives

If you’re looking for a bank that makes it easy to manage your finances across borders, take a look at this HSBC Bank review.

This illustrative image features a light blue computer monitor displaying three green stacks of U.S. dollar bills, each with a dollar sign symbol, suggesting online banking or digital financial management. A cursor resembling a white arrow points towards the money on the screen, while a yellow shield with a blue checkmark, symbolizing security, hovers above the monitor. To the right, a white cogwheel represents settings or processing, and a small purple rectangle with a dollar sign and lines indicates a transaction or receipt. A golden key with a rounded handle extends from the bottom left, reinforcing themes of access and financial solutions. The bottom left corner prominently displays "THE COLLEGE INVESTOR" logo, connecting the visual directly to the article's focus on TD Bank reviews, checking accounts, and savings accounts, emphasizing secure and convenient online banking options.
November 1, 2021

TD Bank Review: Pros, Cons, And Alternatives

TD Bank claims to be “America’s Most Convenient Bank”, so we put that to the test in our full TD Bank review. Should you use them?

A graphic illustration shows a human hand holding two debit cards in front of a rectangular card reader, symbolizing a transaction with a Greenlight debit card and app designed for kids and teens. The hand and cards are centered within a large, translucent white circle, which is overlaid on a warm, sandy-orange background. Various decorative elements like small stars, wavy lines, and additional translucent circles float around the central image, creating a sense of digital activity and financial movement. The bottom left corner features the text "THE COLLEGE INVESTOR" in a bold, white sans-serif font, indicating the source of this review of Greenlight, a popular tool for parents to teach their children about managing money in the modern economy.
October 30, 2021

Greenlight Review: Pros, Cons, And Alternatives

Greenlight is a debit card and app designed for kids and parents. It offers instant transfers, savings rewards, investing access, and more.

A vibrant, illustrative image depicts a hand holding a red credit card, poised to interact with a teal point-of-sale (POS) terminal. The POS terminal displays a green checkmark within a circle on its screen, indicating a successful transaction. Behind the terminal, a long paper receipt unrolls, symbolizing the record of the bank transaction. Two yellow arrows point from the credit card towards the terminal, and two more point back, representing the flow of information or funds during a transaction. Scattered geometric shapes and dots in the background add a modern, abstract feel. This visual emphasizes the process of using various bank account numbers, like routing numbers, SWIFT codes, and the account number itself, for different financial operations, particularly when making a payment or transfer.
October 29, 2021

Bank Account Number: What Is It And Where To Find It

There are multiple bank account numbers that you may need for financial transactions. Learn what they are and how to track them down.

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