Key takeaways Only 46% of U.S. adults have enough emergency savings to cover three months of expenses, making saving money more crucial than ever. Automatic transfers to a high-yield savings account earning around 4% APY can help build emergency funds without extra effort. Cash-back apps and comparison shopping can save…
By Julie Jaggernath If you’ve been spending your time shoveling snow recently, try using it as a chance to think about what money management tips you can learn from the winter weather that has hit many parts of Canada and the USA. While it’s easy to grumble about the inconvenience…
Getty Images/Greg Hinsdale You hear a lot these days about tapping home equity – borrowing against the worth of your home – for cash. Home equity loans and home equity lines of credit (HELOC) have become popular ways for homeowners to access their available equity to pay for expenses like…
If the IRS notifies you of an audit, and you expected a tax return, you probably have a lot of questions. Will you ever get your tax refund? Does the audit automatically stop it? The answer depends on the IRS’s review and whether the items under audit affect the refund…
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The nation’s 75 million Social Security recipients will receive a 2.8% cost of living adjustment (COLA) increase in their benefits…
Historically Black colleges and universities are on the frontlines of the One Big Beautiful Bill Act’s new limits on parent…
The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
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Money is an uncomfortable topic for many, yet it’s an important ongoing conversation to have in a relationship. Financial secrets undermine trust. And for many, it may even feel like betrayal. More than 2 in 5 U.S. adults (43%) believe keeping financial secrets is at…
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Key takeaways: Nearly a quarter of Americans don’t have an emergency savings fund. If you’re one of them, that puts you at risk of taking on significant debt. It can be challenging to start and maintain an emergency savings fund. Determining the minimum you need to save and starting with…
Traditionally, all tip income was taxable, and workers had to report any cash tips exceeding $20 per month to their employer. But in 2025, the One Big Beautiful Bill introduced temporary exemptions: individuals can deduct up to $25,000 in tips from their income if they meet all the qualifications (though…
Key takeaways Setting up automatic payments ensures you’re never late. You can choose to pay the minimum due, the full statement balance or a fixed amount monthly. If you’re not using autopay, schedule calendar alerts or reminders in advance of the due date. Paying several days early can help avoid…
The cryptocurrency industry has lately begun to heavily promote tokenized stocks, but what exactly are they? More importantly, what advantages do tokenized stocks offer — especially when investors already have safe, no-cost fractional share trading at many brokers? A tokenized stock is a fancy way of saying that ownership of…
ROBERTO PERI/Getty Images Key takeaways Having a long position in a stock means that you own shares and will make money as the stock price rises. Having a short position in a stock means that you are betting on the decline of the stock’s value. Investors should understand the pros,…
The legacy Capital One Savor Cash Rewards Credit Card* is no longer taking new applicants as of July 2024, although existing cardholders can still use the card. Those interested in the legacy Capital One Savor Cash Rewards Credit Card can check out the new Capital One Savor Cash Rewards Credit…
Small business owners seeking financing may have faced tighter credit conditions in recent quarters, particularly from banks. During the first quarter of 2025, 16 percent of banks tightened their credit standards for small businesses with less than $50 million in revenue, compared to 11 percent the previous quarter, according to…
Figuring out how much you should have in your 401(k) at 25 depends on your income, savings rate and when you started contributing. A common benchmark from financial planners is to aim for one year’s worth of salary saved by age 30, which could translate to about 50% of your…
Key takeaways Bad credit loans are available from online lenders, credit unions and community banks — each with different application processes and criteria. Avoid predatory loans like payday or title loans — if the annual percentage rate (APR) exceeds 35.99 percent, it’s likely not a safe or sustainable borrowing option.…
Making the decision to start investing is one of the best decisions you can make. Investing is an important step toward building wealth and achieving your financial goals. However, successful investing can be difficult and there are some key mistakes you’ll want to avoid. Here are the top seven investment…
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