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About

Samantha Barbaro is a New York-based writer, editor, and content strategist with expertise in personal finance, mental health, and wine & spirits. She's edited bestselling textbooks and top-performing mental health and psychology books for children and adults. She's also written and produced two comedy podcasts that at least five people (including her mom) have listened to.

What Happens If You Miss Your Flight | Citi.com

Generally speaking, airlines are not required to refund passengers who miss their flights due to personal issues. There may be some wiggle room for circumstances outside the passenger’s control, like a medical emergency, but this is at the airline’s discretion and usually written out in their policies. Reach out to the airline’s customer service the minute you know you won’t be able to make your flight to start the process.
Travel insurance may be able to help if you miss your flight. Depending...

Tips for First-Time Flyers | Citi.com

If you’re taking a plane for the first time, flying might seem overwhelming – from how to check in to how to stow your luggage properly – but it doesn’t have to be.
Here are some tips so you know what to expect. This way, you can feel confident and well-prepared for your first flight.
Packing what you’ll take ahead of time can eliminate a lot of stress. You’ll have limited baggage space, so it can help to tackle packing a day or two beforehand. Consider making a list of what you need, planning o...

Using a Credit Card to Book a Hotel | Citi.com

Using a card to pay for a hotel stay can make your trip a little more stress-free and seamless. It can even allow you to earn points or miles that you can use for future travel.
Let’s explore some reasons you might use a credit card for hotel stays, as well as the potential benefits.
There are a few practical reasons to use a credit card for hotel stays. Many hotels require a credit or debit card to secure your reservation. Whether you call or book online, you’ll need to use a card, or the hotel...

If I’m depressed or anxious because of my situation, what can therapy do for me?

You might think therapy is for people who just need to be less depressed or anxious. In other words, their lives are fine—they just need to work through their feelings. But what can therapy do when your problem is situational? What if you're depressed or anxious because your life circumstances are genuinely depressing or anxiety-inducing?If the people and circumstances around you are causing sadness and distress, your thought process might be something like, “My job/my family/the state of the wo...

Código 1530 Tequila

Código 1530 Blanco unrested 100% agave tequila perfect reflects our time-honored process. We take pride in every step in our production, carefully sourcing only the best ingredients to produce a spirit that requires no resting.

Código 1530 Rosa is rested in uncharred French White Oak Napa Valley Cabernet wine barrels for one month. The careful resting process imbues the Rosa with delicate red wine and floral notes that complement the natural bright agave flavor.

The pure agave flavors of Blanc

How Much to Save for Retirement at Every Age | Citi.com

Thinking about saving for your future retirement can feel daunting, especially in the early days of your career. It’s important to know that saving for retirement is a decades-long process that is different for everyone and depends on a wide variety of factors, including career, employment status, income and lifestyle.
While there is no one-size-fits-all plan, here are some tips and guidelines to help you navigate saving for retirement in the decades to come.
Planning for retirement can feel cha...

What Happens to a Student Credit Card When You Graduate? | Citi.com

You used your student card to start building credit while in school, but what happens after you graduate?
The short answer – nothing. While you sometimes need to be enrolled as a student to qualify for a student credit card, you generally don’t need to stay enrolled to keep it open. The account typically stays open, and you can continue using your card and making payments as usual.
But what if you’ve used your student card responsibly to build credit, graduated and have a full-time job with a re...

How to Choose a Student Credit Card | Citi.com

Choosing a student credit can be an important step toward building your financial future. If you're new to credit and looking to establish your creditworthiness, it can be challenging to figure out what you want in a credit card – are you looking to earn points on your purchases? Are budgeting tools an important feature? This guide will walk you through the steps to choosing the right student card for you.
Student credit cards are specifically designed for college students who are new to credit...

Monte Carlo Cocktail | Jefferson’s Bourbon

The Monte Carlo is a balancing act of strength, sweetness, and aromatic complexity. Jefferson’s Reserve’s notes of caramel, toffee, and cinnamon provide a rich foundation that complements the herbal, spiced notes of Bénédictine. Angostura® bitters introduce another layer of depth, bringing out the bourbon’s subtly sweet flavor notes. The result is a cocktail that’s both bold and refined.









Stirring – rather than shaking – the ingredients ensures that th...

Manhattan Cocktail Recipe | Jefferson’s Bourbon

The Manhattan is a simple yet perfectly-balanced combination of whiskey, sweet vermouth, and bitters: It’s not too sweet or too strong. 










Our version is made with Jefferson’s Reserve, giving the cocktail a robust flavor, and a long, smooth finish. It’s the secret ingredient that transforms a good Manhattan into a great one!










When it comes to crafting the perfect Manhattan, proportions are key. Start w...

Old Fashioned | Jefferson’s Bourbon

Bourbon is the centerpiece of an old fashioned. Jefferson’s Bourbon, known for its rich notes of brown sugar, toffee, and a hint of citrus, has a smooth finish that complements the sweetness of the sugar and the spiciness of the bitters.  










Dissolving the sugar properly in the water and bitters ensures the base of your cocktail is smooth, without grainy textures. Stir the mixture gently to combine the ingredients without over-diluting the drink. Th...

Horsefeather Cocktail Recipe | Jefferson’s Bourbon

The horsefeather strikes an excellent balance between the bold flavors of bourbon and the zesty kick of ginger beer. This version elevates that combination with Jefferson’s Bourbon, which makes for a distinctive taste experience thanks to warm caramel, toffee, and cinnamon flavors. Our innovative aging process gives the bourbon its unique tasting notes, bringing new flavors and dimensions to this classic cocktail.










When mixing up your horsefeather,...

Salted Boulevardier Cocktail | Jefferson’s Bourbon

Jefferson’s Ocean brings its distinctive maritime qualities to this twist on the classic boulevardier. This bourbon’s nuanced profile, with hints of caramel, brown sugar, and sea spray, complements the bitter Campari and the herbal, sweet vermouth. A pinch of sea salt is the perfect final touch – amplifying the cocktail’s flavors, enhancing both the sweetness and bitterness. 










Serve your salted boulevardier over a large ice cube. This not only give...

What Is a Roth IRA & How Does It Work? | Citi.com

Roth individual retirement accounts (IRAs) are just one option for retirement savings, but they come with a unique set of benefits. Let’s take an in-depth look at how Roth IRAs work, as well as how they compare to traditional IRAs.
A Roth IRA is a tax-advantaged retirement account that allows you to contribute after-tax dollars. That money can grow and be withdrawn tax-free once you meet certain requirements.  
When you open a Roth IRA, you can contribute post-tax money that grows tax-free. As o...

How to Withdraw Money from the Bank | Citi.com

There are multiple ways to withdraw money from a bank account. You can typically withdraw cash from a bank account at an ATM or branch of that bank, or you can directly transfer money using online banking services and tools.
If you have a checking account or a savings account that offers debit or ATM cards, you can make withdrawals at any ATM. Just insert your debit or ATM card and verify your identity with your PIN.
You may encounter limits when withdrawing cash from an ATM. Banks may set daily...

A Practical Guide to Financial Independence for Young Professionals

Get Organized. Gather the records of all your debt – student loans, car payments, mortgage, personal loans, credit cards, etc. – and keep it in a secure location. Include the amount, terms, payments, interest rates, and any other key information. Online tools can help you organize and manage this information, letting you access it from anywhere. Be sure to use a strong, unique password to protect this sensitive information. Know What You Owe. Once you have everything in one place, you can see th
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