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The Money Overview

Personal Finance

Day-to-day money decisions for individuals and households. Practical guidance on budgeting, saving, spending, credit, debt management, and financial planning.

Latest in Personal Finance

Budgeting & Saving

ABLE accounts let a disabled beneficiary save without losing Medicaid or SSI

For people with disabilities, saving money has long carried a cruel penalty: accumulate more than $2,000 and the assets can disrupt Supplemental Security Income and...

Smart Spending

Hospitals must post their prices online so patients can compare before care

Every hospital in the country is now required to publish what it charges, a rule meant to let patients see a price before they agree...

Smart Spending

E. Mishan cookware buyers can file for a payout with no proof of purchase by September 25

Buyers of certain Gotham Steel, Granite Stone and Bell & Howell cookware have until September 25 to claim a payout from a class-action settlement without...

Insurance & Protection

For 44% of homeowners, insurance now costs about as much as the mortgage, and non-renewals have surged

The cost of insuring a home has climbed so steeply that, for many owners, the annual premium now rivals the mortgage itself. A first-of-its-kind national...

Smart Spending

Free IRS and AARP programs will prepare a senior’s tax return at no cost

Paying a commercial preparer to file a straightforward retirement-era return can cost well over a hundred dollars, and for a fixed-income household that is money...

Credit & Debt

Closing an old credit card can shorten your history and drop your score

Closing a credit card that has gone unused feels like tidying up, but it can quietly cost points on a credit score at the worst...

Insurance & Protection

Home insurance premiums keep climbing in 2026, adding to fixed-income costs

Home insurance premiums are projected to rise again in 2026, extending a multi-year run of increases that has turned a routine bill into one of...

Credit & Debt

You can pull a free credit report from each bureau every week

Every American is entitled to a free credit report from each of the three nationwide bureaus once a week, a right that turned from a...

Insurance & Protection

A new “No Surprises” law bars most surprise out-of-network bills for emergency care

A trip to the emergency room used to carry a hidden financial risk that had nothing to do with the treatment itself. Even at an...

Budgeting & Saving

Treasury bills can pay retirees more than a big-bank savings account, no state tax

A short-term Treasury bill has recently paid interest in the neighborhood of what a certificate of deposit offers, while the typical savings account at a...

Smart Spending

Oppenheimer brokerage customers who say idle cash earned too little can file for part of a $70 million settlement by September 17

Oppenheimer & Co. has agreed to pay $70 million to settle claims that it shortchanged customers on the interest owed for cash sitting idle in...

Insurance & Protection

Long-term-care insurance can spare a healthy spouse from spending down savings for nursing care

When one spouse needs years of nursing care, the bill does not stop at that spouse’s share of the savings. Long-term care is one of...

Insurance & Protection

A Hartford insurance unit would mail $11 million in refund checks for a premium-tax overcharge, with no claim to file

A former Hartford life-insurance business has agreed to an $11 million settlement over premium-tax charges it allegedly miscalculated, and eligible policyholders would not have to...

Insurance & Protection

State Farm is returning $5 billion to auto customers, about $100 a vehicle, and former customers get paid too

State Farm has begun paying out $5 billion in cash to its auto insurance customers, the largest dividend in the company’s century-plus history. The payments...

Credit & Debt

Buy-now-pay-later loans now appear on credit reports and can move a retiree’s score

Buy-now-pay-later loans, long invisible to the credit system, have started appearing on credit reports — a shift that can push a retiree’s score up or...

Smart Spending

Billions in forgotten money sits with state treasurers, and one free search finds it

Tens of billions of dollars in forgotten accounts, uncashed checks and dormant balances sit in the custody of state treasurers, waiting for their rightful owners...

Smart Spending

Airlines must automatically refund cash for a canceled or badly delayed flight when you decline a rebooking

A canceled or badly delayed flight no longer forces travelers to fight for their money or settle for a voucher they never wanted. Under federal...

Smart Spending

A free national database can uncover a deceased relative’s forgotten life-insurance payout

More than $10 billion in life insurance and annuity money has been reunited with families through a single free service since 2016, and the sums...

Insurance & Protection

Sentara’s termination notice to Anthem could push up to 380,000 Virginians out of network on January 1

Nearly 380,000 Virginians could wake up on January 1 to find their doctors and hospitals suddenly out of network, after Sentara Health sent Anthem Blue...

Insurance & Protection

State Farm is returning $5 billion to drivers, about $100 a vehicle, applied automatically this summer

State Farm has begun sending $5 billion back to its auto insurance customers this summer, the largest single dividend in the mutual insurer’s century-plus history....

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