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Ben Luthi

Ben Luthi is a Salt Lake City-based freelance writer who specializes in a variety of personal finance and travel topics. He worked in banking, auto financing, insurance, and financial planning before becoming a full-time writer.

About Ben Luthi

Current Role

Personal finance writer

Expertise

  • Credit Cards
  • Consumer Credit
  • Student Loans
  • Personal Loans
  • Mortgage Loans
  • Investing
  • Banking
  • Budgeting
  • Debt

Degrees

  • Bachelor's degree in business management from Brigham Young University

Personal Finance Experience

Ben became passionate about personal finance in college when he worked a full-time job and learned how to budget to avoid taking on student loans. He ended up with a little college debt but paid it off quickly.

While in school, he interned with Northwestern Mutual, selling life insurance and creating comprehensive financial plans for his clients. After graduation, he spent time working for a regional bank and a major auto lender.

When Ben became a full-time writer, he primarily covered credit cards, particularly points and miles. He's had nearly 100 credit cards over the years and earned tens of thousands of dollars in rewards. He also wrote extensively about student loans before becoming a full-time freelancer, at which point he expanded his expertise to all things personal finance.

Latest from Ben Luthi

Loans That Accept Chime: Where to Get Approved Fast

Chime has become a go-to option for millions of people thanks to its easy-to-use mobile...

Personal Loan vs. Home Equity Loan: Which Is Better?

Whether you’re looking to consolidate high-interest debt or you’re facing a large expense or financial...

Are Private Student Loans Worth It? 71% of Borrowers Surveyed Say “Yes” in 2025, Here’s Why

A college education can open a lot of doors for students, but it also comes...

How to Edit the FAFSA Form After Submitting: The Ultimate Q&A Guide

The Free Application for Federal Student Aid (FAFSA) can be overwhelming, and it can be...

In-State vs. Out-of-State Tuition: Differences, Strategies, and Savings

College can be a major financial commitment, but the cost climbs even higher for out-of-state...

Will the IRS Really Settle for Less Than You Owe? How Much to Offer in Compromise in 2025

If you have a tax bill you can’t afford, the IRS may be willing to...

Can You Own Crypto in a Roth IRA?

Cryptocurrency is considered a speculative investment, and prices can be incredibly volatile. However, if you want to diversify your retirement savings with digital...

Can You Buy XRP, Bitcoin, or Other Cryptocurrencies on Fidelity?

Fidelity is one of the largest brokerage firms in the world, offering a wide variety...

Crypto IRA or Bitcoin IRA: What It Is and How It Works

Digital assets have surged in popularity with investors. However, while some standard retirement plans may...

8 Red Flags That Trigger IRS Audits in 2025

Your chances of being selected for an IRS audit are relatively low. For tax years 2013 to 2021, the federal tax agency examined...